Home›Cases We Fund›Mass Tort
You signed up after an ad, or after a doctor connected your diagnosis to something you took or were exposed to. Your case was then moved to one federal judge who is handling thousands of others just like it. You filled out the fact sheet fast. Since then, almost nothing has happened. If we can approve the case, mass tort lawsuit funding puts money in your hands now, while that docket moves at its own speed.
Mass torts fail in a way most injury claims cannot: one ruling on the science can end thousands of cases at once, yours included. If that happens, the loss lands on us. You keep every dollar and send nothing back. Non-recourse is the term for it. This is not a loan. If we fund you, it is a purchase of a share of your future recovery, so nobody pulls your credit and no payment comes due monthly. You do need a lawyer handling the claim on contingency.
No credit check. No monthly payments. No cost to apply. If your Mass Tort case does not recover, you owe us nothing and you keep what we advanced. You must have an attorney handling the claim on contingency.
Nothing about the wait means your claim is weak. A federal panel typically moves cases like yours to one judge for pretrial work. From there you usually answer a long plaintiff fact sheet under oath, sign record releases, and hunt down pharmacy printouts or an implant card from years ago, though what your MDL asks for and when is something your lawyer can spell out. Then your file joins thousands on one docket. Your landlord, unfortunately, runs on a different calendar.
What moves next is a handful of test cases. The judge usually sets bellwether trials so both sides can see what juries do, and the rest of the docket waits on the results. Verdicts often get appealed. Expert rulings do too. Sometimes a defendant heads into bankruptcy court and freezes everything. A corporation with a litigation budget can absorb those years. Most families cannot, and funding may be what keeps you from being the one who folds.
Even a signed global deal is not a check. Many are conditioned on enough plaintiffs signing on, so the count runs first. Then an administrator typically scores your records against a settlement matrix, puts you in a tier, and gives everyone a window to challenge that score, though how that plays out depends on the program, so ask your attorney. Payments tend to go out in waves, and the last wave can be a long way behind the press release.
California claimants: your five-day cancellation right and the 36-month charge stop are worth knowing, as is how Los Angeles timelines differ.
There are no receipts to submit and no restrictions on how you spend it, other than this: funding is for your living expenses, not for paying the costs of the litigation itself.
Never your credit, your income or your job history. Only the claim.
Docket maturity drives a lot of our answer. A litigation that has survived its causation rulings, tried bellwethers, or announced a settlement framework reads very differently from one where the first complaints were filed a few months ago.
Mass tort files tend to turn on proof you actually used or were exposed to the thing. Pharmacy histories, implant cards, surgical notes, employment or service records, purchase receipts. A serious diagnosis with no document tying you to the product is a hard file to fund.
Most of these settlements pay on a grid. Your diagnosis, how it was confirmed, whether surgery followed, how long the exposure ran, and what else in your history could explain it can all move your tier. We read the records the way an administrator will.
Fact sheet deadlines are real, and files can be dismissed over missing paperwork, so your attorney's office can tell you where yours stands. We confirm the claim is in good standing. We also ask about earlier advances, and we will often fund in stages rather than stack them.
Tell us who you are, what happened and who represents you. No credit check, no bank statements, no employment history — the case is the application.
2 minutesWe request the case file from your law firm and handle the paperwork with their staff. Your attorney's involvement is a signature and a few documents — not hours of work.
Same dayOur underwriters look at liability, injuries, treatment and available insurance coverage to decide what your claim can support. Your credit score and income never enter into it.
24 hours (typical)You review a plain-English agreement that states exactly what you will owe at settlement. Sign it and funds go out the same day by direct deposit, wire, or in-person pickup.
Same dayNo, and the difference matters here. In a class action, one case generally covers everybody and members share a common pot, which often leaves too little individually to support an advance.
A mass tort keeps your claim separate. Your diagnosis, your records, and your own damages tend to drive what you get. That is the structure we can usually work with. Your lawyer can tell you which one your case is filed as, and we will be straight with you about what that means here. You will also see this called a mass tort settlement loan online. It is not a loan, and nothing is due monthly.
Often, yes. MDL cases usually get transferred to whatever district the panel picked, so your judge may sit a thousand miles away. What matters to us is your claim and your lawyer, not the courthouse zip code.
We fund throughout the United States, subject to state law and availability, because consumer legal funding is limited or unavailable in some states. Which rules reach your case varies by state, and your lawyer is the one to ask. Check with us first and we will look before you fill anything out.
When you do apply, we ask your attorney's office for the basics: the docket, your fact sheet, and your medical proof. In big inventories that request usually lands with a case manager rather than the attorney, and that is fine. A decision typically comes about a day after their office sends the file, and funding usually goes out the same day you sign. That is the normal rhythm here, not a guarantee.
Announced is not the same as funded. The money usually goes into a court-supervised settlement fund first. An administrator typically reviews your records, assigns your tier, and handles challenges to those scores before anyone gets paid.
Then the repayment claims have to close out. Medicare, Medicaid, the VA, TRICARE, or your own health plan may have a right to be paid back from your share, and your attorney can explain how that works in your case. That stretch alone often runs many months. If you are approved, funding can carry you through it.
It happens, and it is the biggest single risk in this kind of litigation. A ruling on general causation can end a whole group of cases, sometimes on appeal, sometimes for good.
That risk sits with us, not you. If your claim ends up recovering nothing, you repay nothing. No balance, no collection call, no claim against your house or your paycheck. It is also why we look hard at where the science stands before we say yes.
A bankruptcy filing normally pauses the lawsuits while a court sorts out a plan or a trust, and your attorney is the right person to explain what that means for your claim. It is maddening, and it can add years.
It does not automatically make your claim worthless. It does change how we read the file, and it may change the amount we can approve or whether we fund in stages.
It can. Settlement grids in a lot of these litigations weigh surgery heavily, and a tier can move on that alone. But nobody should book an operation to move a number on a matrix. Surgeons differ on this, and yours will tell you what applies to you.
We read your records the way they stand today, not the way they might look after a procedure. If surgery does happen later and your file changes, come back to us and we will look at the case again.
Underwriting looks at the same things across every case type. If yours is not listed anywhere on this site, call or text and ask.
Apply in about two minutes. We contact your attorney, review the case, and if you're approved you can have funds the same day. No credit check, no monthly payments, and if you lose, you owe us nothing.