Home›Cases We Fund›Product Liability
The thing that hurt you was sold as safe. A lithium battery that went up in the night. A ladder that folded. A saw with a guard that never worked. A machine at work that cycled while a hand was still inside. Now you are healing, and the company that built it has a defense firm on retainer and a calendar full of reasons to wait. Product liability lawsuit funding can get you money, if you are approved, while your attorney does the slow part.
Product cases can end on a ruling most people never hear about: a judge decides your engineer will not be allowed to testify, and it is over. That risk is ours, not yours. Funding is non-recourse. If we fund your case, you are selling us a slice of a future recovery, not borrowing against one, so a case that recovers nothing costs you nothing. We do not pull credit, do not check income, and do not bill you monthly. You do need an attorney handling the case on contingency.
No credit check. No monthly payments. No cost to apply. If your Product Liability case does not recover, you owe us nothing and you keep what we advanced. You must have an attorney handling the claim on contingency.
Your case is an object in a storage locker. Before anyone can take it apart, every defendant's engineer typically has to be invited to watch, and the lawyers usually agree in writing on what may be cut, burned, or dismantled, because testing often destroys the evidence. Scheduling one room full of experts can take months. Until that inspection happens, almost nothing else in the case moves.
Proving a defect costs real money before it earns any. Your attorney usually fronts an engineer, sometimes a fire investigator or a metallurgist, and a doctor to tie the failure to your injury. The manufacturer's design files and complaint history come out slowly, fought over a batch at a time. Defense counsel bills by the hour to keep it that way. Time sits on their side of the table.
Then there is the gap nobody warns you about. A car case may have med-pay or no-fault for the first bills, depending on the state. A defective product has nothing like it. Your health plan pays, then usually files a lien against your recovery. If a machine at work hurt you, comp claims a piece too, and your attorney can explain how your state handles that. Funding may carry the household until the engineering catches up.
If your claim is in California, the state page covers the deadlines that end claims early — and which courthouse hears a Los Angeles case is not the answer most guides give.
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.
Do you or your attorney still have it? A preserved unit with its model and serial number, clear photos, the fire report, or a recall notice makes a defect much easier to see. Files where the product was thrown out are harder for us to fund.
We look at who is actually on the other side. A US manufacturer with layers of commercial coverage is different from an overseas seller who may never appear in court. Having the importer, the distributor, or the store that sold it named too usually helps.
Posture matters here more than in most cases. A filed complaint, a completed joint inspection, and a served expert report each move you forward with us. Getting past the manufacturer's motion to exclude your engineer is the big one. A firm trial date helps.
We read the records to see the harm match the failure. Burns, crush injuries, amputations, and revision surgeries with steady treatment read strongest. We also count what comes off the top, since health plans, comp carriers, and Medicare often get repaid, and your attorney knows your state's rules.
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 dayApply anyway. A destroyed product makes the defect harder to prove, but not impossible. Fire investigators work from what is left, and the origin-and-cause report, photos from the scene, the insurance file, the model number off a receipt, and complaints about the same unit can carry a lot of weight.
What we would want to know from your attorney is what survived and whether anyone has inspected it yet. For a defective product settlement advance, their office usually sends us the complaint, any inspection or expert materials, and the medical records, and there is no credit application on your end. A decision typically comes back about a day after that file arrives, and if we approve it and you accept, funding usually goes out the same day you sign. Files with a long list of defendants run longer, so read those timelines as what normally happens, not as a promise. We fund throughout the US, subject to state law and availability.
Sometimes. An MDL groups similar cases in front of one judge, and yours may sit for years while a few test cases go to trial first. Decisions on those files turn on where the litigation stands, whether a settlement program has been announced, and how your own records score inside it.
Your attorney can usually tell us that in one short call.
It depends on who else is in the case. Sellers abroad can be slow to serve and some never appear at all, which can leave nothing to collect. What matters more is whether a US company sits somewhere in the chain: an importer, a distributor, the marketplace, or the store that sold it.
Your attorney will know who is named, who has answered, and how your state treats each link in that chain.
Often you can. Workers' comp usually pays part of your wages and your medical care, and a claim against the machine's maker is a separate case that can cover what comp does not. People call that a third-party claim.
We do account for the comp carrier's repayment right, because it comes out of your recovery, and the details vary by state, so your attorney is the one to ask about yours.
If that motion succeeds the case can end, and you would still keep every dollar we sent. Non-recourse means repayment comes only out of a recovery. No recovery, nothing owed, and we do not touch your home, your paycheck, or your credit.
Expert fights are normal in these cases. We weigh that risk when we review the file. It stays with us.
It helps, and it is one of the first things we look for, but it does not decide the case. The recall has to cover your model and the dates your unit was made, and the manufacturer will still argue something else caused the failure. Whether a recall notice can even be shown to a jury depends on the jurisdiction, so ask your attorney how that works where your case is filed.
A recall can also mean a lot of other people are bringing the same claim, which changes how far the coverage stretches. Send us the notice with your model and serial number if you have them.
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.