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Being told your case is resolved and then waiting months to be paid is its own specific frustration — and because everyone assumes you already have the money, it is a lonely one. Post-settlement funding is an advance against a recovery that has already been agreed.
Pre-settlement funding is an advance on a claim whose outcome is unknown. Post-settlement funding is an advance on a recovery that has already been agreed but not yet paid out. The uncertainty that remains is about timing and about what comes out of the recovery before you see it — not about whether you win. Both are non-recourse purchases rather than borrowing, for the same structural reason.
That difference is real, and it generally makes post-settlement requests more straightforward to evaluate. It does not make them automatic: approval, amount and timing still depend on the specifics of your case, and we cannot promise any of them before we have looked.
Between a settlement and a disbursement sit a series of steps that nobody explains at the point you shake hands. A release has to be drafted, reviewed and signed. The insurer issues its draft on its own schedule. The funds go into your attorney's client trust account and have to clear before anything can be paid out of them.
Then the slow part: liens and reimbursement claims. Hospital liens, health-plan reimbursement, government payers, and any provider who treated you on a lien all have to be identified, verified and frequently negotiated down. Each one moves at its own speed, and your attorney generally cannot disburse until they are resolved.
Structured settlements and court-supervised distributions add their own timetables on top, and some large multi-claimant settlements are paid in scheduled tranches over years rather than in a single cheque.
As with pre-settlement funding, this is a transaction your attorney has to be part of — they hold the funds, they know what the liens are, and in California an attorney acknowledgment is part of a valid funding contract.
It is a purchase of a portion of the proceeds, not borrowing. If the expected recovery does not materialise, you do not owe us the shortfall.
Your credit is not the basis of the decision and nothing is due month to month. Repayment comes out of the recovery when it is disbursed.
Where California law governs, the key terms sit on page one of the contract and you get five business days to cancel after funding.
If your disbursement is genuinely weeks away, the honest advice is usually to wait. Funding costs something, and paying for a few weeks rarely makes sense. It is worth considering when the wait is long, when it is open-ended, or when the alternative is missing rent or a car payment you cannot recover from. Ask us how far out your attorney thinks the money is before you ask us for anything.
If you do not know the answers, that is normal. Most of them live with your attorney, and with your authorisation we will ask them directly rather than making you play messenger.
Lien resolution is not something you can hurry, and a client under pressure during it is a client who calls your office every day and sometimes makes decisions that hurt them.
Post-settlement advances take that pressure off without touching your negotiation. Send us what you have and we will tell you plainly whether it is worth doing for that client.
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.