Fenchurch Legal: A Specialist Lender, Not a Law Firm
We often get asked why Fenchurch Legal, as a litigation funding business, doesn’t have in-house lawyers? And the answer is simple: we are a lending business, not a law firm.
Operating within the private debt sector, we don’t provide general business loans, we provide capital specifically for litigation. Our expertise lies in secured lending, structuring loans and managing financial risk – not litigating cases.
We partner with law firms, providing them with the financial resources to run cases efficiently while we focus on risk management, due diligence, and loan security.
As part of our underwriting process, we outsource legal expertise where needed to assess a law firm’s legal procedures, compliance with SRA regulations, and case viability.
Our continuous audits and monitoring, along with this external review, guarantee that the companies we fund follow strict legal and regulatory requirements.
Unlike traditional litigation funders who take an active role in case strategy, our role is purely financial. We lend, monitor, and safeguard investor capital, ensuring that the law firms we fund have the financial resources and oversight needed to handle legal claims successfully.
Our Role in Litigation Finance
Fenchurch Legal specialises in small ticket litigation funding, issuing loans to UK SRA regulated law firms to cover the disbursements associated with consumer claims, such as housing disrepair, personal injury and financial mis-selling.
Unlike large litigation funders who take equity-style positions in high-stakes legal cases, we operate as a direct lender within the private debt industry. Our focus is on high-volume, low value, process-driven cases with clear legal precedent, ensuring predictable outcomes and controlled risk.
Without financing, law firms face considerable upfront costs, limiting their ability to take on cases. By funding multiple smaller claims, we help firms scale sustainably and we spread our risk across various cases and law firms. Our model not only ensures law firms can operate sustainably but also offers investors a diversified, secured lending opportunity with steady returns.
Why We Don’t Have In-House Lawyers
Fenchurch Legal is a finance business, not a law firm. We don’t run or litigate cases – we provide loans to reputable UK law firms to help them fund claims.
Our strength lies in structuring secured loans, managing financial risk, and conducting due diligence – not providing legal advice or handling claims.
While we don’t have in-house lawyers, we work with a trusted network of legal experts, including law firms, barristers, and even former judges, to assess claims and ensure strong case fundamentals. As part of our underwriting and due diligence process, we also assess law firms’ compliance with SRA regulations, ensuring they meet the regulatory standards before we lend.
Our internal team has deep expertise in finance, risk management, and underwriting, allowing us to maintain close oversight of our loan book.
Our monitoring and auditing processes help flag risks, but day-to-day case management remains with the law firms. This allows us to maintain a disciplined, scalable lending model that prioritises investor security.
Understanding Security & Risk Management
At Fenchurch Legal, security and risk management are at the core of our lending model. As a direct lender, we structure loans to safeguard investor capital while ensuring law firms can operate effectively. Our approach focuses on:
- Secured Lending Structure – Loans are backed by ATE Insurance, case proceeds, debentures and personal guarantees, ensuring capital protection.
- Comprehensive Due Diligence – We assess law firms’ track records, financial health, and case viability before lending.
- Legal Precedent & Expert Review – We consult with barristers, law firms, and experts to evaluate claim types
- Ongoing Monitoring & Auditing – We track performance, flag risks early, and ensure compliance with agreed terms.
- Diversification – We fund a high volume of small, process-driven cases to spread risk across multiple firms and claims.
This structured approach provides investors with a stable, risk-managed opportunity in the litigation finance sector.
Why This Matters for Investors
Fenchurch Legal is a finance-first business, applying secured lending principles to the litigation funding market. We focus on structured lending, financial security, and risk management to deliver predictable returns for investors.
Investors benefit from Fenchurch Legal’s secured lending model and knowledge, ensuring steady, risk-adjusted returns in a growing sector.
”"I come from a secured lending background, not a legal one. You wouldn’t ask us to stand up in court and argue a case, but you can trust us to look after investor money by structuring loans and managing risk effectively – that’s what we are good at."
Louisa KloudaCEO of Fenchurch Legal
A Finance Business First and Foremost
Fenchurch Legal is a specialist lender, not a law firm. Our expertise lies in secured lending, risk management, and financial oversight. By funding high-volume, process-driven claims, we provide stable, diversified investment opportunities, ensuring secure, risk-managed returns in the evolving litigation finance sector.
Fenchurch Legal was founded on secured lending expertise and applied that model to the litigation funding space. We are not a law firm—we are a lender that understands finance, risk, and security.
As the litigation finance industry matures, our role as a specialist lender will continue to expand, offering attractive opportunities for investors looking for stable, risk-managed returns.
