Who qualifies for pre-settlement funding
What we actually look at when we review a case. If you're waiting on a settlement, odds are decent. Here's what moves the needle.
People call us all the time and ask, "Do I qualify?" The honest answer is: we can usually tell you in five minutes on the phone. But here's what we look at.
You need an attorney
This is the first filter. We only fund plaintiffs who have hired a lawyer and have an active case. Two reasons:
- We work through the attorney to get case documents and wire the funds at the end. Without an attorney, that doesn't happen.
- A lawyer taking the case on contingency is a signal. They think the case has value. That matters to us too.
If you're hurt and you don't have a lawyer yet, get one first. Then come back to us.
The case type matters
We fund personal injury cases — the kind of cases you'd expect a plaintiff's lawyer to handle on contingency. Things like:
- Car accidents
- Slip and fall
- Medical malpractice
- Workplace injuries (non-workers'-comp)
- Premises liability
- Wrongful death
- Product liability
- Commercial trucking accidents
If your case doesn't look like any of those, call us anyway. There are edge cases we fund and edge cases we don't. Better to ask than guess.
What we actually review
Once your attorney sends us the case docs, here's what we're looking at:
Liability. Is there a clear at-fault party? Strong liability cases move faster and price better.
Damages. Medical records, treatment, any wage loss. The bigger the damages, the larger the advance we can support.
Insurance or defendant assets. A judgment is only worth what you can collect. If the defendant has coverage or assets, the case is fundable. If not, even a strong liability case may be hard to fund.
Where the case is in the process. Earlier cases get smaller advances. Once discovery is done and there's real settlement activity, we can usually do more.
Your credit doesn't matter
We don't pull credit. We don't run a background check. We're not looking at your job or your income. The case is the collateral, not you.
That's why we can fund people who couldn't get a personal loan from their bank. The underwriting question isn't "can Jane pay us back out of her paycheck" — it's "will this case settle, and will it settle for enough."
What disqualifies a case
A few things are usually dealbreakers:
- No attorney
- Case hasn't been filed and no demand has been made (too early)
- Minimum-limits policy and the policy is already near tapped
- Case has been sitting for years with no movement
- Attorney doesn't want to work with a funder
That last one matters. Some attorneys don't like pre-settlement funding and won't participate. That's their call. We can't fund a case if the lawyer won't coordinate with us.
How to find out
Fastest path is a phone call: 845-521-5407. Tell us who your attorney is, what happened, and where the case is. We'll tell you in a few minutes whether it's worth sending the documents over.