Pre-Settlement Funding: Get Cash Now While Your Case Resolves
You shouldn't have to accept a lowball settlement just because you need money now. Pre-settlement funding gives you the financial breathing room to wait for the full value of your case.
How Pre-Settlement Funding Works
From application to funds in your account — the entire process typically takes 24–48 hours.
Submit Your Application
Fill out our free application with your basic case information and your attorney's contact details. Takes less than 5 minutes.
Attorney Verification
The funding company contacts your attorney to verify your case details and evaluate the strength and expected value of your claim.
Approval in 24–48 Hours
Most applications are approved within 24–48 hours. You'll receive an offer showing the advance amount and total repayment.
Funds Deposited
Once you accept the offer, funds are typically deposited within 24 hours via wire transfer or check.
Case Resolves
Your attorney continues working your case without any pressure to settle quickly. Take the time needed to maximize your recovery.
Repayment at Settlement
When your case settles, the funding company is repaid directly from the settlement proceeds. If you lose, you owe nothing.
What Is Pre-Settlement Funding?
Pre-settlement funding — also called a lawsuit cash advance or litigation funding — is not a loan. It is a non-recourse cash advance against the expected value of your pending personal injury settlement.
Here's the key difference: with a traditional loan, you must repay regardless of what happens. With pre-settlement funding, you only repay if you win your case. If your case is lost or dismissed, you owe the funding company absolutely nothing.
When your case settles, the funding company receives their repayment — the original advance plus fees — directly from the settlement proceeds at closing. Your attorney handles this as part of the settlement disbursement process.
Why This Matters for Your Case
Insurance companies know that injured victims are often desperate for money. They use financial pressure as a negotiating tactic — offering quick, lowball settlements to victims who can't afford to wait. Pre-settlement funding removes that pressure and gives your attorney the time to negotiate the full value of your case.
Pre-Settlement Funding vs. Traditional Loan
| Feature | Pre-Settlement Funding | Traditional Loan |
|---|---|---|
| Repay if you lose? | Never | Yes — always |
| Credit check required? | No | Yes |
| Employment required? | No | Usually |
| Monthly payments? | None | Yes |
| Repayment source? | Settlement proceeds | Your income/assets |
| Risk to you? | Zero if case lost | Full repayment required |
| Approval based on? | Case strength | Credit & income |
Who Qualifies for Pre-Settlement Funding?
Qualification is based on your case — not your credit. Here's what funding companies look for.
Active Personal Injury Case
You must have an active personal injury claim — whether it's a car accident, truck accident, slip and fall, or other personal injury case. The case must be in progress, not yet settled.
Represented by an Attorney
You must have a personal injury attorney actively working your case. Funding companies work directly with your attorney — they will not fund cases without legal representation.
Clear Liability
The other party must be clearly at fault. Cases with disputed liability are harder to fund. Strong evidence of fault — police reports, witness statements, citations — improves your chances of approval.
Sufficient Expected Settlement Value
The expected settlement value must be large enough to cover the advance plus fees and still leave you with a meaningful recovery. Funding companies typically advance 10–20% of the expected settlement value.
No Credit Check Required
Your credit score, employment status, and income are completely irrelevant. Approval is based entirely on the strength of your case — not your financial history.
Case Still Pending
The case must not yet be settled. Once a settlement is reached, pre-settlement funding is no longer available. If you need funds after settlement but before disbursement, ask about post-settlement funding.
The Funding Company Works With Your Attorney — Not Against You
The funding company contacts your attorney directly to evaluate your case. Your attorney provides case details and cooperates with the funding company's review. This process does not interfere with your case strategy or your attorney's ability to negotiate on your behalf.
How Much Can You Receive?
Advance amounts range from $500 to $250,000 or more, depending on the strength and expected value of your case. Funding companies typically advance 10–20% of the expected settlement value.
| Case Type | Expected Settlement Value | Typical Advance | % of Value |
|---|---|---|---|
| Minor Soft Tissue | $15,000–$30,000 | $1,500–$4,500 | 10–15% |
| Moderate Injury (Fracture) | $50,000–$100,000 | $7,500–$15,000 | 10–15% |
| Herniated Disc / Surgery | $100,000–$300,000 | $15,000–$45,000 | 10–15% |
| Severe / Catastrophic Injury | $500,000–$2M+ | $50,000–$250,000 | 10–20% |
| Commercial Truck Accident | $500,000–$5M+ | $50,000–$250,000+ | 10–20% |
| Wrongful Death | $500,000–$5M+ | $50,000–$250,000+ | 10–20% |
Only Advance What You Absolutely Need
Pre-settlement funding fees accumulate over time. The longer your case takes to resolve, the more you will owe at settlement. Only request the minimum amount you need to cover essential expenses — rent, utilities, groceries, medical bills. Avoid using advances for discretionary spending.
Costs & Fees — Fully Explained
Pre-settlement funding is not free money. Understanding the true cost before you agree is essential. Here's exactly how fees work.
Flat Fee Structure
A flat fee charges a fixed percentage of the original advance amount each month. The fee does not compound — it is calculated on the original advance only.
Month 12: $10,000 + ($350 × 12) = $14,200
Month 24: $10,000 + ($350 × 24) = $18,400
Compounding Interest Structure
Compounding interest charges a percentage on the growing balance — meaning you pay interest on interest. This structure grows significantly faster over time.
Month 12: $10,000 × (1.03)^12 = $14,258
Month 24: $10,000 × (1.03)^24 = $20,328
Fee Calculator — See Your True Cost
You Receive
$10,000
Total Fees
$4,258
Total Repayment
$14,258
| Scenario | You Receive | Total Fees | Total Repayment |
|---|---|---|---|
| $10,000 advance — 12 months (flat 3.5%/mo) | $10,000 | $4,200 | $14,200 |
| $10,000 advance — 24 months (flat 3.5%/mo) | $10,000 | $8,400 | $18,400 |
| $10,000 advance — 12 months (compound 3%/mo) | $10,000 | $4,258 | $14,258 |
| $10,000 advance — 24 months (compound 3%/mo) | $10,000 | $10,328 | $20,328 |
How to Compare Offers: Always ask for the total repayment amount at 12 and 24 months — not just the monthly rate. Compare the effective annual rate (APR) across multiple companies. Ask whether the fee is flat or compounding. Never accept the first offer without shopping around.
Pre-Settlement Funding Companies
Compare multiple offers before accepting. Rates and terms vary significantly between companies.
Oasis Financial
No compounding interestAdvance Range
$500 – $100,000+
Fee Structure
Flat fee, non-compounding
Approval Time
24–48 hours
Case Types
All personal injury cases
Peachtree Financial Solutions
Fast 24-hour approvalAdvance Range
$1,000 – $250,000+
Fee Structure
Flat fee structure
Approval Time
24 hours
Case Types
Personal injury, workers comp
LawCash
Large advance amounts availableAdvance Range
$500 – $500,000
Fee Structure
Competitive flat rates
Approval Time
24–48 hours
Case Types
All personal injury cases
Uplift Legal Funding
Simple, transparent pricingAdvance Range
$500 – $250,000
Fee Structure
Simple flat fee
Approval Time
24 hours
Case Types
Auto accidents, slip & fall
Thrivest Legal Funding
Up to $1M availableAdvance Range
$1,000 – $1,000,000
Fee Structure
Flat fee, no compounding
Approval Time
24–48 hours
Case Types
All personal injury cases
Baker Street Funding
Highest advance amountsAdvance Range
$1,500 – $2,000,000
Fee Structure
Flat fee structure
Approval Time
24 hours
Case Types
Personal injury, mass tort
Apply for Pre-Settlement Funding
Free to apply. No obligation to accept. Typical approval in 24–48 hours. Your attorney will be contacted as part of the review process.
Hospital Lien Calculator
Estimate the impact of a hospital lien on your settlement and see how much you may actually take home after negotiation.
What Is a Hospital Lien?
A hospital lien is a legal claim that a hospital files against your personal injury settlement to recover the cost of medical treatment they provided after your accident. In states that allow hospital liens, the hospital has a right to be paid from your settlement before you receive your share.
The good news: Hospital liens are almost always negotiable. Experienced personal injury attorneys routinely negotiate hospital liens down by 40–65% of the original billed amount. The presence of a lien does not mean you will receive nothing — it means your attorney needs to negotiate it down as part of the settlement process.
Who Files Liens
Hospitals, emergency rooms, and sometimes ambulance companies file liens against your settlement.
Attorney Negotiation
Your attorney negotiates the lien amount as part of the settlement process — often reducing it by 40–65%.
You Still Recover
Even with a lien, most victims receive a meaningful net recovery after the lien is negotiated down.
Estimate Your Net Recovery
Don't Settle for Less Because You Need Money Now
Pre-settlement funding gives you the financial breathing room to wait for the full value of your case. But the best strategy is always to have a great attorney fighting for maximum value from day one.