How It Works
Pre-settlement funding gives you cash now based on your pending lawsuit so you can cover expenses while you wait for your case to settle. You repay the advance from your settlement or verdict when the case resolves. If you do not win or settle, you owe nothing. It is not a loan: approval is based on the strength of your case, not your credit.
What Pre-Settlement Funding Is
- Based on what your case is worth and the likelihood of a successful outcome
- Available when you are working with an attorney on an injury-related case
- Repaid only from settlement or judgment proceeds — if you lose, you do not pay us back
- Often available within 24–48 hours after approval
What It Is Not
- Not a traditional loan — no monthly payments and no personal obligation if you lose
- Not based on your credit score or employment status
- Not used to finance your legal fees; it is for your living and injury-related expenses while the case is pending
Four Simple Steps
1. You Apply — No Obligation
Fill out our free application with your contact information and your attorney’s details. There is no cost to apply and no obligation to accept funding if you are approved. The process takes just a few minutes.
2. We Review With Your Attorney
We work directly with your attorney to evaluate your case. We consider the type of case, the strength of your claim, estimated settlement value, and other factors. Your attorney may provide case documentation so we can move quickly. Your credit score is not a factor.
3. You Receive Funds
Approved applicants typically receive funds in as little as 24 hours. We can send money by electronic transfer, wire, or check depending on your preference and timing. Use the funds for rent, medical bills, car payments, groceries, and other living expenses while your case is pending.
4. You Repay When Your Case Settles
When your case settles or you receive a verdict in your favor, the advance and agreed fee are repaid from the proceeds. Your attorney handles the repayment as part of the settlement distribution. If you do not win or settle, you owe nothing.
How You Receive Your Funds
Once you are approved and the agreement is signed, we can deliver funds the same day in many cases. Options include electronic transfer to your bank account, wire transfer, or a check sent by overnight or standard mail. We will work with you to choose the fastest option that fits your situation.
Why Get Pre-Settlement Funding?
Waiting for a settlement can take months or years. In the meantime, bills and expenses do not stop. Many plaintiffs feel pressured to accept a low offer because they need money now. Pre-settlement funding can help you:
- Pay rent or mortgage, utilities, and daily living expenses
- Cover medical bills and treatment related to your injury
- Reduce financial stress so you can focus on recovery and your case
- Avoid settling early for less than your case may be worth
Your attorney can concentrate on building the strongest case while you have the financial breathing room to wait for a fair outcome.
Common Questions
- Should I tell my attorney I’m applying?
- Yes. We need to work with your attorney to review your case. After you submit your application, we will contact your attorney for case details. It also helps to keep your attorney aware of your financial situation as the case progresses.
- Does my credit score matter?
- No. We do not check your credit. Approval is based on the merits of your case and the information we receive from your attorney.
- What if I need more funding later?
- If your case is still pending and you need additional funds, you can apply again. We evaluate each request based on the current status of your case. Many applicants request an initial advance and later apply for a second advance if the case takes longer than expected.
- Can I use the funds for medical treatment?
- Yes. You can use your advance for medical procedures, prescriptions, therapy, and other injury-related expenses, as well as for rent, bills, and daily living costs.
- What case types do you fund?
- We fund a wide range of personal injury and related cases, including auto accidents, slip and fall, workers’ compensation, premises liability, medical malpractice, wrongful death, and other negligence-based claims. See what we fund for more detail.
Ready to Get Started?
Apply in minutes. No obligation. If your case qualifies, we work with your attorney to get you funds quickly. If you have questions, call us toll-free at (800) 539-6470.