How Pre-Settlement Funding Works
From application to cash in your account — the entire process takes as little as 24 hours. No paperwork on your end, no credit checks, and zero risk if you don't win.
Step by Step
The Complete Process Explained
Apply Online or By Phone
⏱ 5 minutesStart your application at any time. All you need is your name, contact info, case type, and your attorney's contact information. There is no credit check, no income verification, and no employment requirement. The entire application takes about 5 minutes.
- Available 24/7 online or by phone
- No documents required from you
- No credit check performed
- No employment verification
We Contact Your Attorney
⏱ Same business dayOur underwriting team reaches out directly to your attorney to gather case information. We review the strength of your case, liability, estimated value, and stage of litigation. Your attorney does not need to prepare anything special — we handle all of this.
- Attorney contacted same business day
- We request case documents directly
- Underwriting team evaluates case merit
- Decision communicated to you and attorney
Receive Your Approval Decision
⏱ Within 24 hoursOnce we review your case with your attorney, we issue an approval decision and funding offer. If approved, you will receive a clear, plain-English agreement detailing your advance amount, the applicable rates, and the repayment structure at settlement.
- Clear approval or explanation if declined
- Funding agreement in plain English
- No hidden fees or buried terms
- Your attorney reviews and co-signs
Receive Funds in Your Account
⏱ Within 24 hours of signingAfter you and your attorney sign the funding agreement, we wire the funds via ACH directly to your bank account. Most clients receive their money within 24 hours of signing. Same-day funding is available in many cases.
- ACH wire directly to your bank account
- 24-hour funding after signed agreement
- Same-day funding available
- No fees deducted from your advance
What Can You Use the Funds For?
Once funded, the money is yours to use however you need. There are no restrictions. Common uses include:
Pre-Settlement Funding vs. Traditional Loans
What Does Your Attorney Do?
Your attorney plays a critical role in the pre-settlement funding process. They review the funding agreement, confirm case details with our underwriting team, and co-sign the agreement. At settlement, your attorney's office repays the advance directly from your settlement proceeds — you never have to handle the repayment yourself.
Reviews Agreement
Your attorney reviews all terms before you sign anything.
Confirms Case Details
Attorney provides case info to our underwriting team.
Handles Repayment
Repayment comes from your settlement — attorney manages it.
Is Pre-Settlement Funding Right for You?
Good fit if you:
- Have an active personal injury lawsuit
- Are represented by an attorney
- Are experiencing financial hardship
- Want to avoid an early, low settlement
- Need funds for medical care or living expenses
- Have no other source of emergency funding
May not be right if you:
- Do not have an active lawsuit
- Are not represented by an attorney
- Have other affordable financing options
- Are in the very early stages of a weak case
- Are willing and able to wait for settlement
- Have a case with minimal liability
Has Your Case Already Settled?
Get cash now while waiting for your settlement check to be disbursed.
Ready to Apply? It Takes 5 Minutes.
No credit check. No monthly payments. Decision same day.