Home›How It Works
No jargon and no pitch. Here is exactly what happens from the moment you fill out the form to the day your case settles, including the parts most companies gloss over.
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 dayWe ask what kind of case you have, where you live, who represents you, and roughly how much you need. That is the entire application.
There is no credit application, no request for pay stubs, no employment verification and no bank statements. Those documents tell us nothing useful, because you are not what we are evaluating.
Estimates are fine. Nothing on the form is binding, and filling it out does not commit you to anything.
Not a blanket demand for the whole file. We name the documents we need.
Usually the incident report, medical records and bills to date, and the insurance coverage information. Most firms send it in one email.
Confirming they know about the agreement and will pay us from the proceeds at disbursement. It does not make your attorney liable for anything.
That is it. We never charge your firm, and we do not call the office repeatedly asking for case updates.
With your written authorization, we contact your attorney's office and request the case file directly. You are not stuck playing middleman between two offices.
This is also why attorney representation is a hard requirement. We cannot underwrite a claim without the documents, and frankly, funding is only a sensible decision when a professional on contingency is fighting for the full value of your case.
The most common delay in this whole process is a law firm that has not gotten to the request yet. Giving your paralegal a heads-up that we will be calling genuinely speeds things up.
Your credit score, your income, your job history and any past bankruptcy are irrelevant to us. Here is what our underwriters actually look at.
How clearly someone else was at fault. A rear-end collision or a documented code violation is strong. A disputed intersection accident is harder. Clear fault is the single biggest factor in an approval.
What you were diagnosed with, what treatment you have had, and what is still ahead. Documented, consistent treatment matters far more than the severity you describe on the phone.
A case is only worth what someone can actually pay. We look at policy limits, umbrella coverage, and your own uninsured or underinsured motorist coverage where it applies.
Responsible funders advance a modest share of what a claim is conservatively expected to recover, and we are no exception. It is not stinginess. If a case is over-funded and then settles below expectations, the plaintiff walks away from their own case with nothing — which is the outcome nobody wants. Underwriting conservatively protects your recovery, not just ours.
If we approve your case, you get a written agreement in plain language. It states the amount we are advancing, exactly what you would owe at settlement, and the window during which you can cancel and give the money back.
Read it. Ask about anything you do not understand. Show it to your attorney — we expect you to. If a number in that document was never explained to you, do not sign it, and that goes for any funding company, not just us.
Once you sign, most approved applicants are funded the same day. Direct deposit is fastest; we can also wire it or mail a check.
When your case resolves, your attorney's office pays us out of the settlement proceeds as part of the normal disbursement, alongside their fee and any medical liens. You get the remainder.
You will never write us a check, never get a bill, and never make a monthly payment. If you want to pay us back early out of other money, you can, and it lowers what you owe.
You owe us nothing. No bill, no collections, no wage garnishment, no claim against your house or your car. You keep every dollar we advanced. That is the risk we agreed to take when we approved you.
Legal funding is more expensive than a bank loan, and any company that tells you otherwise is selling something. The reason is structural: a bank gets repaid whether or not you win. We do not. When a funded case recovers nothing, that money is simply gone, and the cost of funding across every case has to absorb the ones that lose.
What that means for you in practice:
We quote your case specifically, over the phone, before you commit to anything. Call (323) 366-8083 and ask.
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.