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Nobody can promise you an approval, us included. But the criteria are not a mystery, and you can tell in about a minute whether your case is in the right neighborhood.
Non-negotiable. We rely on your law firm for the documents that let us underwrite, and funding only makes sense when a professional who is paid out of the recovery is fighting for its full value.
Liability needs to be reasonably clear. A rear-end collision or a documented hazard is strong; a genuinely disputed intersection accident is harder. Shared fault does not automatically disqualify you.
You saw a doctor and there are records. Consistent treatment carries far more weight than how badly it hurts when you describe it on the phone, because records are what the case is ultimately valued on.
Insurance coverage, a solvent defendant, or your own uninsured motorist coverage. A case is only worth what somebody can actually pay, no matter how badly you were hurt.
We are not a lender, so the things a lender cares about are irrelevant to us. Every one of the following is genuinely a non-issue:
None of them predict whether your claim recovers, so none of them are part of the decision.
These are the honest reasons cases get declined. If one of them describes yours, call or text anyway — but know it going in.
We tell you why, in plain language, and we tell you directly rather than making your attorney do it. If the problem is that you do not have a lawyer yet, we will point you at your state or county bar association's lawyer referral service — not at a specific firm. We take no referral fees and have no arrangement with any law firm.
Responsible funders advance only a modest fraction of what a claim is conservatively expected to recover, and we underwrite the same way.
That is not us being cautious with your money. If a case is over-funded and then settles below expectations, the plaintiff reaches disbursement with nothing left of their own settlement. Underwriting conservatively is what prevents that.
Your specialist will tell you the range your case supports on the first call. Take the least of it you can get by on.
No. A pre-settlement advance is a non-recourse purchase of a portion of the money you may receive from your legal claim. Because it is a purchase and not a loan, there is no credit check, no co-signer, no monthly payment, and nothing is reported to the credit bureaus.
The only source of repayment is your settlement or verdict. If your case does not resolve in your favor, you keep the money and you owe us nothing. That risk sits with us, not with you.
You owe us nothing. That is what non-recourse means and it is the whole point of the product. We do not send you a bill, we do not send you to collections, we do not garnish your wages, and we do not touch your house or your car. Our advance is repaid out of your recovery, and if there is no recovery there is nothing to repay.
No. We do not run a credit check, we do not ask for pay stubs, and we do not care about your employment history, your bank balance, or a past bankruptcy. Those things tell us nothing about whether your claim will recover.
We underwrite the case, not you: who was at fault, how badly you were hurt, what treatment you have had, and how much insurance coverage is available.
Yes. You must be represented by an attorney handling your claim on a contingency fee. There are two reasons. First, we rely on your attorney for the case documents that let us underwrite. Second, funding is only a good idea when a professional is fighting for the full value of your claim, and a lawyer working on contingency has the same incentive we do.
If you are not represented yet, we cannot fund you, and we do not recommend or refer specific attorneys or firms — California law expressly prohibits a funding company from doing that, and it is a rule worth having. What we can do is point you at your state or county bar association's lawyer referral service, which is independent of us.
Not much. We ask your law firm for the case file and a signed acknowledgment, and then we handle the rest. Most of the back-and-forth happens between us and a paralegal, and most firms are done with their part in a single email exchange. We never charge your attorney or your firm anything.
We also never direct, influence, or take part in how your case is handled or settled. Those decisions belong to you and your lawyer.
Most applications get a decision within about 24 hours of the moment we receive the case documents from your attorney's office, and approved applicants are usually funded the same day they sign. The single biggest variable is how quickly your law firm sends the file, so it helps to give your paralegal a heads-up that we will be calling.
Timing depends on approval and on documents arriving; it is typical, not guaranteed.
Whatever you need. Rent or mortgage, groceries, the car payment, utilities, childcare, co-pays and prescriptions, or catching up on bills that piled up while you could not work. There is no requirement to spend it a particular way and no receipts to submit.
The one thing it is not for is funding the litigation itself — case costs are your attorney's side of the table.
As little as you can get by on. We will say this on the phone too, even though it is not in our short-term interest: the cost of funding grows with the amount and the time your case takes, and every dollar you take now is a dollar that comes out of your settlement later.
Take what covers the gap, not the maximum you qualify for. If you need more later, you can apply again.
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.