Our Services
Six flexible funding solutions designed around your unique financial situation.
Funding Solutions
Six Ways We Help You Access the Cash You Need
Every financial situation is different. That’s why First Capital Legal Funding offers six distinct funding solutions designed to meet you exactly where you are — whether you’re waiting on a lawsuit settlement, an inheritance, or a structured payment stream. Explore each service below to find the right fit for your situation.
Pre-Settlement Advances
Involved in a personal injury, workers’ comp, or civil lawsuit? Get cash now against your pending settlement — repaid only if you win. No credit check, no monthly payments.
Structured Settlement Advances
Receiving annuity payments over many years? Access your money as a lump sum today without waiting decades for funds that are already rightfully yours.
Inheritance Advances
Probate can take months — even years. We advance funds against your inheritance so you can cover immediate needs without waiting for the estate to close.
Lottery & Casino Annuities
Won the jackpot but locked into annual installments? Convert your future lottery or casino annuity payments into a single lump-sum cash payment today.
Mortgage Notes
Holding a private mortgage or deed of trust? We purchase performing mortgage notes and give you an immediate lump-sum payout rather than years of monthly collections.
Business Notes
Seller-financed a business and now receives monthly installments? We buy business notes. You can unlock your equity immediately and move on to your next opportunity.
Find Your Solution
Which Service Is Right for You?
Not sure which funding solution fits your situation? Use this quick reference guide to find the right option for you.
| Your Situation | Recommended Service | Typical Timeline | Apply |
|---|---|---|---|
| I have an active personal injury or civil lawsuit | Pre-Settlement Advance | 24–48 hours | Apply Now |
| I receive structured settlement payments over time | Structured Settlement Advance | 45–90 days | Apply Now |
| I am waiting for an inheritance stuck in probate | Inheritance Advance | 24–72 hours | Apply Now |
| I won the lottery or casino jackpot and receive installments | Lottery & Casino Annuity | 45–90 days | Apply Now |
| I hold a private mortgage and want a lump sum now | Mortgage Note Purchase | 2–4 weeks | Apply Now |
| I seller-financed a business and receive monthly payments | Business Note Purchase | 2–4 weeks | Apply Now |
Not sure which option applies to you? Call us at (800) 497-7701 and a specialist will help you find the right solution in minutes.
Our Difference
Why Clients Choose First Capital
Regardless of which funding solution you need, every First Capital client receives the same commitment — fast decisions, transparent terms, and zero risk.
No-Risk, Non-Recourse Funding
If you don’t win your case or receive your expected payment, you owe us nothing. Zero financial risk to you — ever.
Fast Decisions & Transparent Rates
Most applications are approved within 24 hours. No hidden fees, no surprises — you know exactly what you owe before you sign.
No Credit Check Required
Approval is based on the strength of your case or payment stream — not your credit score or employment history.
Common Questions
Have Questions About Our Services?
We understand that legal funding can feel unfamiliar. Here are answers to the most common questions we hear. Visit our full FAQ page for a complete list.
What is non-recourse funding?
Non-recourse funding means you are not personally liable for repayment. If you lose your case or don't receive your expected payment, you owe us nothing — the risk is entirely on us.
How quickly can I receive funding?
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. See how it works.
Do I need good credit to qualify?
No. We never run a credit check. Approval is based entirely on the strength of your case, payment stream, or inheritance — not your financial history.
Which service is right for my situation?
Use our comparison table above to find the best fit, or call us at (800) 497-7701 and a specialist will guide you to the right solution in minutes.
Ready to Get Started?
Find Your Funding Solution Today
Apply in minutes with no credit check, no risk, and no obligation. Not sure which service is right for you? Call us and a specialist will help you find the perfect solution.