Frequently Asked Questions

Pre-settlement funding is a non-recourse cash advance against your pending personal injury lawsuit. Unlike a loan, you are not borrowing money with a promise to repay regardless of outcome. Instead, we provide funds now that are repaid only from your settlement proceeds — and only if you win or settle. If you lose your case, you owe us absolutely nothing.

No. Pre-settlement funding is not a traditional loan. It is a non-recourse advance, meaning repayment is contingent upon the successful resolution of your case. There are no monthly payments, no interest in the traditional sense, and no personal liability if you do not recover. This distinction is important both legally and financially.

Non-recourse means the advance is secured solely by your future settlement — not by your personal assets, income, or credit. If your case is dismissed, you lose at trial, or you recover nothing, Frontier cannot pursue you for repayment. We take on the full risk of your case outcome.

The term "lawsuit loan" is commonly used, but it is technically inaccurate. Pre-settlement funding is not a loan. There are no monthly payments, no interest accumulation in the traditional lending sense, and no recourse to your personal assets. The funding is structured as an investment in your claim, repaid only from proceeds if you win.

To qualify, you must (1) have an active personal injury or civil lawsuit, (2) be represented by a licensed attorney, and (3) have a case with reasonable merit and estimated value. Eligibility is based entirely on your case — not your credit score, employment history, or income. We fund plaintiffs nationwide.

Frontier offers competitive rates tailored to your case type, estimated value, timeline, and other case factors. All fees are disclosed upfront in your funding agreement before you sign anything. We guarantee to beat any competing written offer.

Repayment happens at the end of your case — from your settlement or judgment proceeds. Your attorney's office handles the repayment directly, disbursing Frontier's portion before your net settlement is paid to you. You never make out-of-pocket payments and there are no due dates.

Applying for funding with Frontier is free. There are no application fees to get started. Certain fees may apply depending on your case and funding structure — all terms are disclosed in your agreement before you sign anything.

We work with your attorney to structure an advance amount that is reasonable relative to the projected case value — typically 10-15% of estimated settlement. If your settlement comes in lower than expected, the repayment amount is adjusted based on what was agreed in your funding contract. Call us if you have specific concerns.

Yes. Many clients receive follow-up advances as their case progresses. Each request is subject to underwriting review based on your case status and the remaining projected settlement value. Contact your case manager to discuss additional funding.

The application itself takes about 5 minutes. After submitting, our team contacts your attorney the same business day. Most clients receive an approval decision within 24 hours of application. Once approved and the agreement is signed, funds are deposited within 24 hours.

You'll need your basic personal information (name, address, phone, email), your state, the type of case you have, and your attorney's name and phone number. That's it. We handle all case documentation directly with your attorney — you don't need to gather anything.

Yes. Your attorney must co-sign the funding agreement. This protects everyone — it ensures the advance is properly structured, terms are fair, and repayment is handled correctly at settlement. Most attorneys are familiar with pre-settlement funding and support clients seeking it.

We're experienced at working with busy law firms. We follow up with your attorney's office multiple times per day when necessary. If your attorney has concerns about the process, feel free to have them call us at (855) 385-FUND — we're happy to explain the process to them directly.

There is no minimum case age requirement. However, cases must have an active lawsuit filed or be clearly pre-suit with strong liability and damages. Very early-stage cases with no attorney representation or no filed lawsuit may not qualify. Contact us for a free assessment.

Frontier funds auto accidents, medical malpractice & wrongful death, slip and fall, product liability, surgery funding (medical lien financing), police brutality, wrongful arrest, sexual abuse, clergy abuse, employment discrimination, wrongful termination, workers' comp, and more. We also provide post-settlement funding. Call (855) 385-FUND for a free case evaluation.

Frontier funds cases nationwide with very few state-specific restrictions. Pre-settlement funding regulations vary by state, and our team is familiar with the rules in every jurisdiction. Contact us to confirm eligibility in your specific state.

Yes. Many cases that proceed through arbitration rather than trial are eligible for pre-settlement funding. The key factors are the same: active case, attorney representation, and reasonable case value. Contact us to discuss your specific arbitration case.

Frontier offers refinancing of existing advances. If you already have funding at a higher rate, we may be able to pay off your existing advance and provide a new advance at a better rate. We also offer top-up funding on top of existing advances with other companies in some cases.

Yes. We fund cases at all stages of litigation, including cases that are close to settlement. Post-settlement funding (funding after settlement is reached but before disbursement) is also available in many situations. Cases close to settlement may actually have a faster approval process.