Esquire Financial Holdings is a bank holding company that operates a national litigation-focused commercial banking platform alongside traditional community banking and merchant payment processing. The company specializes in lending to law firms nationwide through working capital lines of credit, case cost financing, and term loans tailored to contingency-based practices, while also offering merchant acquiring services to thousands of merchants across all 50 states and maintaining a community banking presence in the New York and Los Angeles metropolitan areas. The business model generates revenue primarily through net interest income on high-yielding litigation loans—typically yielding around 9%—combined with low-cost core deposits and escrow funds from borrowing law firms, supplemented by payment processing fees and administrative service charges.