Clio introduces the next chapter in financial innovation for legal
Clio (NASDAQ: AFRM) on October 17, 2025 announced two financial services added to Clio Payments: Pay Later with Affirm and Clio Capital, a capital advance program. Pay Later gives approved clients monthly or biweekly payment options with no late or hidden fees, while Clio Capital supplies firms fast access to funds. Both are embedded in Clio Payments and Clio Manage, designed to reconcile transactions, comply with trust accounting rules, and improve firm cash flow and client affordability. Availability is in the United States, with additional regions to follow.
Clio (NASDAQ: AFRM) il 17 ottobre 2025 ha annunciato due servizi finanziari aggiunti a Clio Payments: Pay Later with Affirm e Clio Capital, un programma di anticipi di capitale. Pay Later offre ai clienti approvati opzioni di pagamento mensili o bisettimanali senza ritardi o tasse nascoste, mentre Clio Capital fornisce alle aziende un rapido accesso ai fondi. Entrambi sono integrati in Clio Payments e Clio Manage, progettati per riconciliare le transazioni, rispettare le norme di contabilità fiduciaria e migliorare la liquidità dello studio e l'accessibilità per i clienti. Disponibilità negli Stati Uniti, con ulteriori regioni in seguito.
Clio (NASDAQ: AFRM) anunció el 17 de octubre de 2025 dos servicios financieros añadidos a Clio Payments: Pay Later with Affirm y Clio Capital, un programa de adelantos de capital. Pay Later ofrece a los clientes aprobados opciones de pago mensuales o quincenales sin cargos por pagos atrasados ni tasas ocultas, mientras que Clio Capital brinda a las firmas un acceso rápido a fondos. Ambos están integrados en Clio Payments y Clio Manage, diseñados para conciliar transacciones, cumplir con las normas de contabilidad fiduciaria y mejorar el flujo de caja de la firma y la aseabilidad para los clientes. Disponible en Estados Unidos, con más regiones por venir.
Clio (NASDAQ: AFRM)는 2025년 10월 17일에 Clio Payments에 추가된 두 가지 금융 서비스: Pay Later with Affirm와 Clio Capital을 발표했습니다, 자본 선지급 프로그램입니다. Pay Later는 승인된 고객에게 연간 또는 격주 결제 옵션을 연체 수수료나 숨은 수수료 없이 제공합니다. Clio Capital은 업체에 신속한 자금 접근을 제공합니다. 두 서비스 모두 Clio Payments와 Clio Manage에 내재되어 거래 조정, 신탁 회계 규정 준수, 그리고 로펌의 현금 흐름과 고객의 부담 경감에 도움을 주도록 설계되었습니다. 미국에서 이용 가능하며, 향후 다른 지역으로 확장될 예정입니다.
Clio (NASDAQ: AFRM) a annoncé le 17 octobre 2025 deux services financiers ajoutés à Clio Payments : Pay Later with Affirm et Clio Capital, un programme d’avance de capital. Pay Later offre aux clients approuvés des options de paiement mensuelles ou bihebdomadaires sans frais de retard ni frais cachés, tandis que Clio Capital fournit aux cabinets un accès rapide aux fonds. Les deux sont intégrés dans Clio Payments et Clio Manage, conçus pour rapprocher les transactions, respecter les règles de comptabilité fiduciaire et améliorer la trésorerie du cabinet ainsi que l’accessibilité pour les clients. Disponible aux États-Unis, avec d’autres régions à suivre.
Clio (NASDAQ: AFRM) hat am 17. Oktober 2025 zwei Finanzdienstleistungen zu Clio Payments hinzugefügt: Pay Later with Affirm und Clio Capital, ein Programm für Kapitalvorab. Pay Later bietet genehmigten Kunden monatliche oder zweiwöchentliche Zahlungsmöglichkeiten ohne verspätete Gebühren oder versteckte Kosten, während Clio Capital Firmen schnellen Zugang zu Mitteln ermöglicht. Beide sind in Clio Payments und Clio Manage integriert, konzipiert, Transaktionen auszugleichen, Treuhandbuchhaltungsregeln einzuhalten und den Cashflow der Kanzlei sowie die Kundenmachbarkeit zu verbessern. Verfügbarkeit in den Vereinigten Staaten, weitere Regionen folgen.
Clio (NASDAQ: AFRM) أعلن في 17 أكتوبر 2025 عن إضافة خدمتين ماليتين إلى Clio Payments: Pay Later with Affirm و Clio Capital، وهو برنامج مقدّمات رأس المال. يتيح Pay Later للعملاء المعتمدين خيارات سداد شهرية أو نصف شهرية بدون أي رسوم متأخرة أو رسوم مخفية، بينما يزود Clio Capital الشركات بوصول سريع إلى الأموال. كلاهما مدمجان في Clio Payments وClio Manage، مصممان لتسوية المعاملات والامتثال لقواعد محاسبة الثقة وتحسين التدفق النقدي للمكتب وإمكانية تحمل التكاليف من قبل العملاء. التوفر في الولايات المتحدة، مع قنوات إضافية قادمة.
Clio (NASDAQ: AFRM) 于 2025年10月17日 公布新增两项金融服务至 Clio Payments：Pay Later with Affirm 与 Clio Capital，一项资本前置计划。Pay Later 为经批准的客户提供按月或按双周的还款选项，且无逾期费或隐性费用；Clio Capital 则为事务所提供快速资金获取。两者都与 Clio Payments 和 Clio Manage 集成，旨在对账、遵守信托会计规定，并改善事务所现金流与客户承受能力。美国提供，未来将扩展至其他地区。
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Insights
Embedded pay-later and capital advance likely improve firm cash flow and client affordability.
Clio integrates Pay Later with Affirm and a Clio Capital advance into its payments stack, which directly links client payments and firm liquidity inside the platform. Embedding these services into Clio Payments and Clio Manage should simplify reconciliation and maintain trust-account compliance as described.
Key dependencies and risks include underwriting and approval flows for client financing, operational integration with trust accounting rules, and geographic rollout limits because availability is currently limited to the United States. Watch adoption and approval rates, the speed and terms of capital advances, and the planned timeline for broader regional availability over the next 6–18 months.
This expands payment options and provides firms with a liquidity tool that can smooth revenue timing.
Offering monthly or biweekly payment plans via Affirm and a firm-facing capital advance addresses two cash-management pain points: client affordability and firm access to near-term funds. The announcement ties transaction flows to a single workflow, which should reduce administrative reconciliation and preserve trust-account compliance where applicable.
Risks include unknown cost and eligibility details for firms and clients, and whether these products change billing behavior or client intake. Track three concrete items: rollout beyond the United States, metrics for how Pay Later affects collection timing, and average advance approval speed and advance terms within
With Pay Later and Clio Capital now available in Clio Payments, law firms can offer clients more flexibility and unlock faster access to funds
- New capabilities like Pay Later with Affirm, and Clio Capital, a capital advance program, help remove financial friction for law firms and their clients
- Integrated financial services give firms faster access to revenue, predictable cash flow, and new opportunities for scale
For decades, law firms and their clients have struggled under a misaligned financial model. Firms often require large upfront retainers to begin work, while clients may not have immediate access to funds, even when future financial outcomes are expected. These financial frictions can affect both firms and clients, limiting access to legal services and constraining firm growth.
Clio is addressing these challenges directly with Pay Later and Clio Capital. Pay Later with Affirm gives approved clients the option to pay over time for legal fees in monthly or biweekly installments. Affirm never charges late fees, hidden fees, or compounding interest, so clients always know what they'll pay. For law firms, this improves cash flow and allows them to serve a wider range of clients. Clio Capital complements this by providing firms with fast and reliable access to funds, helping them manage cash flow or invest in growth opportunities with confidence. Together, these services give firms financial flexibility while offering clients a smarter, more flexible way to pay for legal services.
By embedding these services directly into Clio Payments and Clio Manage, Clio ensures that every transaction is seamlessly reconciled, fully compliant with trust accounting rules, and part of a single, centralized workflow. Law firms benefit from predictable revenue and reduced financial stress, while clients gain access to flexible payment options that align with their needs.
"Financial stress has been one of the most persistent challenges facing law firms and their clients," said AJ Axelrod, Vice President, Payments and Financial Services at Clio. "With Pay Later and Clio Capital, we are changing that dynamic. Firms will have more resources and tools at their disposal to better navigate the financial challenges of running a law firm,, while clients gain the flexibility they need to better access legal services with confidence. These innovations reduce administrative burdens, strengthen client relationships, and allow firms to operate with greater stability and scale. By embedding these solutions directly into Clio's platform, we are not only modernizing how firms manage money, we are making legal services more accessible and sustainable for the people who need them."
Pay Later with Affirm and Clio Capital is available to Clio Manage customers in
Clio is the global leader in legal AI technology, empowering legal professionals and law firms of every size to work smarter, faster, and more securely. Purpose-built for the legal industry, Clio's AI platform streamlines workflows, improves decision-making, and combines powerful technology with industry-leading security. Trusted by hundreds of thousands of legal professionals in more than 130 countries, and approved by over 100 bar associations and law societies worldwide, Clio sets the standard for innovation and client success across the legal profession. Backed by world-class investors and a mission to transform the legal experience for all, Clio is defining the future of legal work through AI. Learn more at www.clio.com.
Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses .
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FAQ
What did Clio announce on October 17, 2025 about payments and capital?
How does Pay Later with Affirm affect legal clients and firms using Clio (AFRM)?
When and where are Pay Later with Affirm and Clio Capital available for Clio customers?
Will Pay Later and Clio Capital integrate with trust accounting in Clio Manage?
What business benefits did Clio cite for firms using these new AFRM-linked services?
Where can investors and firms learn more about Clio's Pay Later with Affirm and Clio Capital?
