What We Offer
What Is an Inheritance Advance?
Losing a loved one is already one of life’s most difficult experiences. Having to wait months — or even years — for the probate process to close before you can access your inheritance only adds to the financial stress. Bills don’t stop, expenses don’t pause, and life keeps moving even while the estate is tied up in court.
An inheritance advance is a cash payout you get before probate court finishes settling an estate. Because it is a non-recourse purchase of your future share rather than a traditional loan, there are no credit checks, interest rates, or monthly bills. You simply get your money upfront, and the funding company is repaid automatically from the estate when the assets are officially distributed
An inheritance advance from First Capital Legal Funding gives you access to a portion of your expected inheritance right now — without waiting for probate to close.
We advance funds against the value of your inheritance share, and repayment comes directly from the estate once it distributes — no monthly payments, no credit check, and no personal liability if the estate is delayed or reduced.
Our process is simple, compassionate, and designed to work seamlessly with estate attorneys and executors so the funding doesn’t complicate or delay the probate process in any way.
Simple Process
How Inheritance Funding Works
Apply Online or by Phone
Complete our free application with basic details about the estate, your relationship to the deceased, and the estimated value of your inheritance share. No credit check required.
We Verify With the Estate
Our team works directly with the estate attorney or executor to verify your inheritance share and the estate’s status. Most decisions are made within 24–72 hours.
Receive Your Advance
Once approved, funds are wired directly to you. When the estate closes and distributes, repayment is handled directly from your inheritance share — no action required from you.
Eligibility
Do You Qualify for an Inheritance Advance?
Qualifying for an inheritance advance is straightforward. We look at the estate — not your personal financial history.
How Long Does Probate Take?
Probate timelines vary significantly by state and estate complexity. Simple estates may close in 6–9 months. Complex estates with real property, disputes, or tax issues can take 2–3 years or longer. An inheritance advance lets you access your funds now regardless of how long the process takes.
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Why Choose Us
Why Choose First Capital for Your Inheritance Advance
No Monthly Payments
There are no monthly payments required. Repayment comes in one lump sum directly from your inheritance when the estate closes.
Compassionate Process
We understand this is a difficult time. Our specialists handle everything with care, discretion, and respect for your situation.
Non-Recourse Advance
If your inheritance is delayed or reduced, you are never responsible for repaying more than your actual inheritance allows.
No Impact on Other Heirs
Your advance only affects your individual share of the estate. Other beneficiaries are completely unaffected.
Works With Your Attorney
We coordinate directly with the estate attorney and executor so the advance doesn’t complicate or delay the probate process.
No Credit Check
We never run a credit check. Approval is based entirely on the value of your inheritance and the estate’s status.
Common Questions
Inheritance Advance FAQs
Here are the most common questions we hear about inheritance advances. For more answers visit our full FAQ page.
Does the advance affect other heirs in the estate?
No. The advance only affects your individual share of the inheritance. Other beneficiaries and heirs are completely unaffected by your decision to advance your share.
What if the estate takes longer than expected to close?
No problem. There are no deadlines or penalties if probate takes longer than anticipated. Repayment simply happens when the estate distributes — whenever that may be.
What if my inheritance ends up being less than expected?
Our advances are non-recourse. You are never personally responsible for repaying more than your actual inheritance amount. If the estate distributes less than anticipated, we absorb that risk — not you.
Do I need an attorney to apply?
You don't need your own attorney to apply. However, we do work directly with the estate attorney or executor to verify your inheritance and process the advance. Apply now to get started.
Ready to Get Started?
Don't Wait Years for
What's Already Yours
Apply free in minutes and get your inheritance advance within 24–72 hours. No credit check, no monthly payments, no risk.