How Lawsuit Funding Works

Get funded in 3 simple steps — no credit check, no risk, no obligation.

Apply Now — It's Free

Simple & Transparent

We Make Legal Funding Simple, Fast & Risk-Free

At First Capital, we believe that accessing the funds you need should never be complicated or stressful. That’s why we’ve designed a simple 3 step process that gets you funded fast — with full transparency and zero risk. No credit checks, no hidden fees, and no repayment unless you win.

The Process

How Settlement Funding Works — Step by Step

1

Apply Online or by Phone

Complete our quick, no-obligation application in minutes online or by calling (800) 497-7701. We require no upfront fees and no credit checks. A dedicated funding specialist is assigned to your case immediately upon submission.

What You’ll Need:

Your contact information
Basic case or payment details
Attorney contact information
Takes ~5 Minutes
2

We Review Your Case

Our funding specialists review your application and work directly with your attorney or relevant parties to verify your claim. We handle all the details so you don’t have to.

What We Review:

Case strength and merits
Attorney verification
Expected settlement value
Decision in 24 hrs
3

Receive Your Funds

Once approved funds are delivered via wire transfer or check — fast. You only repay us when your case settles or your payment arrives. If you don’t win you owe us nothing.

How You Receive Funds:

Wire transfer — same day
Check — next business day
Repay only when you win
Same-Day Funding Available

After Approval

What Happens After You're Approved

Once your application is approved and funds are delivered here’s what you can expect going forward.

Your Attorney is Notified

We contact your attorney directly to notify them of the funding arrangement. Your attorney signs a simple letter of protection — no complicated paperwork required.

You Use the Funds Freely

There are no restrictions on how you use your funding. Pay bills, cover living expenses, medical costs or anything else you need while your case progresses.

Your Case Continues Normally

Getting funded does not affect your case or your attorney’s strategy in any way. Your lawsuit proceeds exactly as it would have without the funding.

Repayment at Settlement

When your case settles your attorney repays the advance plus our fee directly from the settlement proceeds. If you lose your case you owe us absolutely nothing.

Do You Qualify?

Requirements to Qualify for Funding

Qualifying for legal funding with First Capital is simple. Unlike traditional loans there are no credit checks, no employment verification and no monthly payments required.

Active Lawsuit or Pending Settlement
You must have an active personal injury, workers comp, or civil lawsuit pending with an attorney.
Attorney Representation
You must be represented by a licensed attorney who is handling your case on a contingency fee basis.
Valid Identification
You must be at least 18 years of age and provide valid government issued identification.
Strong Case Merits
Your case must have reasonable merits and a likelihood of settlement or judgment in your favor.
No Credit Check Required
Your credit score employment status and financial history are never considered in our approval decision.

Not Sure if You Qualify?

Don’t worry — just give us a call at (800) 497-7701 or submit a quick application and we’ll let you know right away. There’s no obligation and no cost to apply.

Apply Now — It's Free

Common Questions

Frequently Asked Questions

Here are the most common questions we hear about how lawsuit funding works and the legal funding process. For a complete list of FAQs visit our FAQ page.

View All FAQs
What is pre-settlement funding and how does it work? +
Pre-settlement funding gives you cash now against the expected value of your pending lawsuit. If your case settles in your favor the advance is repaid from your settlement. If you lose you owe nothing — it's fully non-recourse.
How long does the approval process take? +
Most applications receive a decision within 24 hours of submission. Once approved funds can be wired to you the same day or the next business day depending on your bank.
Does getting funding affect my lawsuit? +
No. Receiving a pre-settlement advance does not affect your case or your attorney's strategy in any way. Your lawsuit proceeds exactly as it would have without the funding.
What happens if I lose my case? +
If you lose your case you owe us absolutely nothing. Our funding is fully non-recourse which means repayment is only required if you win your case or receive a settlement.

Ready to Get Started?

Don't Wait. Get the Cash You Need — Today.

Apply in minutes with no credit check, no risk, and no obligation. Our specialists are standing by to help you access the funds you’re entitled to.

Apply Now — It's Free (800) 497-7701
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