Home›Cases We Fund›Workers' Compensation
Start with something most funding sites will not tell you. In many states, nobody can buy an interest in a straight workers' compensation award, and your attorney can confirm how your state handles that. If you are approved, what we fund is the separate claim against whoever else caused your injury: the driver who hit your work truck, the maker of the machine that crushed your hand, the contractor who left the hole open.
These cases can fail. A jury may lay the blame on your employer instead, or the contractor you sued may argue it is shielded the way your employer is, and your attorney can tell you whether that defense exists in your state. So the deal is non-recourse. Recover nothing, and we are paid nothing while you keep what we sent. Nothing is owed monthly, nobody pulls your credit, and it is a purchase, not a loan. You do need an attorney on contingency.
No credit check. No monthly payments. No cost to apply. If your Workers' Compensation case does not recover, you owe us nothing and you keep what we advanced. You must have an attorney handling the claim on contingency.
Here is the wrinkle that makes these cases different. The comp carrier that paid your medical bills and wage checks usually gets to be repaid out of the third-party recovery. That is called a lien, and the rules for it are state law your attorney can walk you through. Practically, it means a settlement can be signed and money can be sitting there while the lawyers still argue about who gets what.
Jobsite cases are rarely one defendant. The general contractor blames the sub, the sub blames the equipment lessor, and the lessor blames the manufacturer. Every one of them has its own insurer and its own defense firm, and getting five calendars to agree on a deposition date takes months. Add an OSHA file, an engineer who has to inspect the machine, and a fight over whether the machine was even preserved.
Now look at what is coming in. Comp wage benefits replace only part of what you earned, on a formula your state sets and your attorney or the comp board can explain, and overtime and a second job usually do not count. When your hours stop, health coverage can stop with them. That squeeze is what pushes injured workers to sign a quick comp settlement or limp back to light duty too soon.
In California? The state's 2026 funding law changes what has to be in your contract, and Los Angeles claims run on their own timetable.
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.
The first question is whether someone other than your employer is on the hook: a driver, a property owner, a machine maker, another trade on the site. Without that separate claim, there is often nothing here for us to purchase, depending on your state and what your attorney says.
The comp carrier will want back what it paid in medical and wage benefits. A large lien against a modest recovery can leave little for you, so we ask your attorney where lien talks stand and whether the carrier has intervened in the case.
On construction cases we ask what insurance sits behind the site: the general contractor's liability policy, a wrap policy covering everyone on the project, or a manufacturer's product coverage. For a work-truck crash it is the at-fault driver's auto policy and whatever excess sits above it.
Records matter here in a specific way. Permanent restrictions that keep a roofer off a roof or a nurse off a floor change what the case is worth. We look at surgeries, restrictions written by the treating doctor, and whether a return to your old wage is realistic.
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 dayIt depends on your state. Many states protect comp benefits in a way that keeps anyone from buying an interest in a straight comp award, and your attorney can tell you how yours treats it. The claim we can usually fund is the third-party case from the same injury. We fund throughout the US, subject to state law and availability, and consumer legal funding is restricted or unavailable in some states.
Tell us about both when you apply. We will check your state before you gather a single document. Once your attorney's office sends the file, a decision typically comes back in about a day, and approved funding usually goes out the day you sign. Those are the usual timelines, not guarantees.
No. Money from us is not a benefit payment, and it does not reduce, delay, or replace what the carrier owes you week to week. It is repaid at the end, out of the third-party recovery, and only if there is one.
It also does not go on a payment schedule, because there is no monthly payment to make. Your attorney can confirm how it fits your file.
You can. A carrier-selected exam that blames your age or an old injury is common, and it is one opinion in a file, not the last word. What underwriting weighs against it is your treating doctor's records, the incident report from the day it happened, and what your attorney expects to do with that report.
Send it over with everything else. We would rather see it than be surprised by it.
Your attorney's office is who we talk to, not your employer and not the claims adjuster. Nothing about applying is reported to them, and there is no credit pull that would surface anywhere.
The comp carrier does have to be dealt with at the end, because of any lien it may have on the third-party recovery, and your attorney handles that as part of settling the case.
Sometimes, yes. In some states a general contractor can claim the same protection your direct employer has, which would end the third-party claim against it. Whether that argument works where you are is a question for your attorney, and it is one of the first things underwriting asks about.
It does not automatically stop us. It just means we want your attorney's read on the defense before we commit.
It happens often. Comp work and third-party work get split between two firms all the time, or between two offices of the same firm. The attorney we need on the file is the one running the third-party case, since that is the recovery an advance would be tied to, and that office has to sign off on the agreement.
Give us both names anyway. Your comp attorney usually already has records we would otherwise wait weeks on, like the incident report and the carrier's exam.
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.