Your Questions, Answered Honestly.
Pre-settlement funding is a straightforward concept, but we know you probably have questions. Below are the most common ones — answered clearly, without the legal jargon.
General Questions
Pre-settlement funding — also called a lawsuit advance or legal funding — is a cash advance provided to injury plaintiffs while their case is still pending in court. It allows you to access a portion of your anticipated settlement now, rather than waiting months or years for your case to conclude. Because it is non-recourse, you only repay if your case is successful.
Technically, no. Unlike a traditional loan, a pre-settlement advance is non-recourse — meaning if your case is lost or dismissed, you owe nothing. Traditional loans must be repaid regardless of outcome. Because of this fundamental difference, pre-settlement funding is classified as a cash advance, not a loan.
With a bank or personal loan, you must repay the full amount plus interest no matter what happens. With Plaintiff Funder's advances, repayment is entirely contingent on your case winning. No win, no repayment — period. Additionally, there are no monthly payments, no credit checks, and no employment verification.
Yes. Pre-settlement funding is a legal financial product available to plaintiffs in the majority of U.S. states. The industry is growing, and regulatory frameworks continue to evolve to protect consumers. We operate with full transparency and provide all terms in writing.
Eligibility & Qualifications
To qualify, you generally need to:
• Have been injured in an accident that was someone else's fault
• Have a pending lawsuit with a reasonable likelihood of success
• Be represented by an attorney who is actively working your case
We do not consider your credit score, employment status, or income. Your case's strength is the primary factor.
Yes. You must have an attorney representing you in your injury case to qualify for pre-settlement funding. This is a non-negotiable requirement because we work directly with your attorney to evaluate your case and to structure the repayment agreement.
We fund a wide variety of personal injury and civil cases including car accidents, truck accidents, motorcycle accidents, slip and fall injuries, construction accidents, medical malpractice, wrongful death, workers' compensation (third-party claims), dog bites, nursing home negligence, and more. Visit our Cases We Fund page for the full list.
Plaintiff Funder works with plaintiffs nationwide. Some state-specific regulations may affect the terms available to you, and our team will walk you through everything relevant to your state.
The Application Process
Simply fill out the short application form on our website or give us a call. You'll provide basic details about yourself, your attorney, and your case. The whole thing takes less than 5 minutes.
Most applications receive a decision within 24 to 48 hours of our team receiving your attorney's case information. We work quickly because we know your situation is urgent.
We'll typically request basic case documentation such as the incident report, any medical records or bills, insurance information for the at-fault party, and your attorney's assessment of the case. Your attorney handles this on your behalf — you don't need to gather documents yourself.
No. We do not perform credit checks. Your credit score, employment status, and financial history are completely irrelevant to our funding decisions.
Funding & Repayment
The amount varies based on your case's specifics — primarily the estimated value of your settlement and the available insurance coverage. We aim to advance an amount that meaningfully helps you while remaining appropriate relative to your expected recovery..
Once your funding agreement is signed, funds are typically sent via wire transfer or direct deposit. Many clients receive their money on the same day or the next business day after signing.
Repayment occurs when your case successfully settles. Your attorney will deduct the advance amount plus fees from your settlement proceeds before distributing the remainder to you.
You owe nothing. Because our advances are non-recourse, a case that doesn't result in a settlement means your obligation to Plaintiff Funder is completely eliminated.
No. There are absolutely no monthly payments. You owe nothing until your case settles — and only if it settles in your favor.
No. All fees and repayment terms are clearly outlined in your funding agreement before you sign. We are committed to full transparency, and we encourage you to review all terms with your attorney before accepting any offer.
Working With Your Attorney
Yes, and that's by design. We work directly with your attorney's office to gather case information and to structure the funding agreement. Your attorney must consent to the arrangement and is kept informed throughout.
No. Your attorney's strategy, timeline, and approach to your case remain entirely at their discretion. Pre-settlement funding is designed to give you financial relief — not to influence your case.
We welcome conversations with your attorney. Our team is available to answer any questions your legal representative may have about how the funding works, the terms involved, and the repayment structure..
No Pressure, No Obligation.
Still Have Questions?
We're Here to Help.
Whether you're ready to apply or just want to learn more, our team is standing by to help. Call us or submit a quick inquiry and a funding specialist will be in touch with you shortly.
