Frequently Asked Questions
Find answers to common questions about our funding process, eligibility, and more.
Have a question about pre-settlement funding, inheritance advances, or structured settlements? You’ll find legal funding faq with answers below. If you don’t see what you’re looking for, contact our team directly at (800) 497-7701.
Pre-Settlement Funding FAQs
Does it cost anything to apply for pre-settlement funding?
No. There is never any cost or obligation to apply. Our application process is completely free, and you only pay anything if your case settles successfully.
Do all personal injury cases qualify for financing?
Not every case qualifies. We evaluate each case individually based on factors like case merits, expected settlement value, and attorney representation. Common qualifying cases include auto accidents, slip and falls, workers' compensation, and medical malpractice claims.
How does lawsuit funding differ from a lawsuit loan or cash advance?
Unlike a traditional loan, lawsuit funding is non-recourse — meaning it is not technically a loan at all. You are not personally liable for repayment. If you lose your case, you owe us nothing. Repayment only comes from your settlement if you win.
Do you require a credit check or financial information?
No. Approval is based entirely on the strength and value of your case — not your credit score, income, or employment history. We never run a credit check. Learn more about industry standards from the American Legal Finance Association.
What happens if I lose my case?
If you lose your case, you owe us absolutely nothing. Our funding is fully non-recourse, meaning the risk is on us, not you.
How quick will funds be available?
Most applications receive a decision within 24 hours. Once approved, funds are typically available the same day or next business day via wire transfer or check. Apply now to get started.
How does the repayment process work?
Repayment is handled directly between us and your attorney once your case settles. Your attorney pays the advance amount plus our fee from the settlement proceeds before disbursing the remainder to you. See our How It Works page for a full step-by-step breakdown.
How quick will funds be available?
Most applications receive a decision within 24 hours. Once approved, funds are typically available the same day or next business day via wire transfer or check.
Will I need a lawyer representing my lawsuit?
Yes. You must be represented by a licensed attorney handling your case on a contingency basis. We work directly with your attorney throughout the process.
Structured Settlement & Annuity FAQs
What is a Structured Settlement?
A structured settlement is a series of scheduled payments awarded to a plaintiff, typically as the result of a personal injury lawsuit, instead of a single lump sum payment.
What is an Annuity?
An annuity is a financial product, often purchased through an insurance company, that provides a stream of fixed payments over time — commonly used to fund structured settlements, lottery winnings, or retirement income.
What are my options for selling?
You can sell all of your future payments, a portion of your payments, or a specific number of payments for a set period of time — whichever best fits your financial needs. Start your application to get a free quote.
How long does the process take?
Because structured settlement and annuity sales typically require court approval, the process generally takes 45 to 90 days depending on your state's requirements and court schedule.
Inheritance Advance FAQs
What is an Inheritance Advance?
An inheritance advance provides you with a portion of your expected inheritance in cash now, rather than waiting for the probate process to fully close — often taking months or years.
How do I get an Advance against my Inheritance?
Simply complete our application with details about the estate, and our team will work with the estate's attorney or executor to verify your inheritance and provide a funding offer.
Does the estate have to be in Probate for me to qualify?
In most cases, yes — the estate should be in active probate. However, we evaluate each situation individually, so reach out even if you're unsure of the exact status.
Are there any risks or fees associated with applying for an inheritance cash advance?
There is never any cost or risk to apply. Our advances are non-recourse, meaning if your inheritance is delayed or reduced, you are never responsible for repaying more than your actual inheritance allows.
Does the advance impact other heirs in the estate?
No. The advance only affects your individual share of the inheritance and has no impact on other heirs or beneficiaries of the estate.
Are monthly payments required to repay the advance?
No. There are no monthly payments. Repayment happens in one lump sum directly from your inheritance once the estate closes and funds are distributed.
Will credit problems prevent someone from getting an heir advance?
No. We do not run credit checks. Approval is based on the value of your inheritance and the estate's status — not your personal credit history.
How do I apply for an advance on my inheritance?
You can apply online through our Apply Now page, or call us directly at (800) 497-7701 to speak with a funding specialist who will walk you through the process.
Still Have Questions?
Our Team Is Ready to Help
If you didn’t find the answer you were looking for, reach out directly. A funding specialist is standing by to answer your questions and walk you through your options.