Real questions. Real answers. Zero fine print.

Pre-settlement funding is a cash advance against the future proceeds of a pending lawsuit. It's designed for plaintiffs in personal injury cases who need money now to cover expenses while their case is still being settled. Unlike a traditional loan, repayment is only required if you win your case — which is why it's called non-recourse funding.

In most states, no. It's structured as a non-recourse cash advance against your future settlement, which means it doesn't function like a traditional loan. There are no monthly payments, no interest ticking up while your case is open, and no repayment obligation if your case doesn't win. In a small number of states, regulation requires this product to be structured as a loan, but the core principle — repayment contingent on winning — remains the same.

Non-recourse means we have no recourse to collect from you if your case doesn't win. If you lose, we get nothing. That's the risk we take on. There's no fine print, no clawback provision, and no "if you lose, you still owe us" trick. The risk lives with us, not with you.

We fund most personal injury case types including auto accidents, slip and fall, medical malpractice, workers' compensation, wrongful death, product liability, trucking accidents, dog bites, and many others. To qualify, you generally need to have a valid pending case with an attorney representing you. Our team can confirm eligibility during your initial application review.

For pre-settlement funding, yes. You must have an attorney representing you in your case before we can fund. This is standard across the industry — your attorney doesn't have to approve the funding, but they do need to be part of the process because repayment comes from the eventual settlement proceeds.

Pre-settlement funding availability varies by state due to differing state-level regulations on legal funding. We operate in most states, though product form, rate structure, and specific requirements can differ. Our team can confirm exactly what's available in your state when you contact us.

A personal loan requires monthly payments, charges interest that accrues over time, requires a credit check, and holds you personally liable for repayment regardless of any other circumstances. Pre-settlement funding has no monthly payments, no credit check, and repayment is only required if your case wins. If you lose, you owe nothing.

For pre-settlement funding, advances typically range from $500 to $100,000, depending on the strength and estimated value of your case. Larger amounts are considered for exceptionally high-value cases with strong documentation. For business funding, product-specific ranges vary: merchant cash advances typically run $5,000 to $2 million, equipment financing goes up to $5 million, and term loans and lines of credit have their own structures.

Once your funding is approved and paperwork is signed, funds are typically wired directly to your account within 24 hours. Some cases move faster — same-day funding is possible on straightforward applications where all documents are in order and the paperwork is signed before our cutoff.

Funds are wired directly to your personal bank account (for PI funding) or your business bank account (for business funding). We don't send checks by mail, hold funds in escrow, or require you to pick anything up in person. Direct deposit, and it's yours.

Never. There are zero fees to apply and zero out-of-pocket costs to receive funding. No application fee, no processing fee, no origination fee that you pay upfront. For pre-settlement funding, our fee is only collected from your settlement proceeds — and only if you win. For business funding, all fees and terms are disclosed in writing before you sign.

Anything. There are no restrictions on how you use pre-settlement funding. Rent, mortgage, medical bills, groceries, car payments, childcare, utilities — it's your money. For business funding, funds are for business use (payroll, inventory, equipment, expansion, etc.) as outlined in the funding agreement.

For pre-settlement funding, your attorney typically pays us directly from the settlement proceeds as part of the disbursement process at case resolution. You don't have to write us a check, wire us funds, or handle anything yourself. It's coordinated between our team and your attorney's office. We provide a written payoff amount so there are no surprises.

If your case doesn't win, you owe us nothing. That's the whole point of non-recourse funding. No fine print, no clawback, no "you still owe us the principal." If you lose, we lose. The risk lives entirely with us.

Yes. If your case settles faster than expected, or if you come into money and want to pay us off ahead of schedule, we accommodate early payoff without penalty. Contact us for a written payoff quote and we'll walk you through the process.

We offer four main products: merchant cash advances (revenue-based capital), equipment financing (for machinery, vehicles, and business equipment), term loans (fixed-term structured capital), and business lines of credit (flexible draw-down credit). Each product is designed for different use cases and business situations.

Most of our products require: at least 6 months in business, minimum monthly revenue (typically $15,000 or more), a U.S. business bank account, and a valid business entity (LLC, corporation, or sole proprietorship). Specific requirements vary by product. For MCAs, we focus primarily on revenue. For equipment financing, we look at the equipment being financed. Term loans and lines of credit have their own criteria.

Most business funding decisions are same-day. Once approved and paperwork is signed, funds are typically wired within 24 to 48 hours. Simple MCAs on strong revenue can move faster. Larger equipment financing and complex term loans may take slightly longer depending on documentation review.

It depends on the product. For merchant cash advances, we focus primarily on business revenue and bank statements rather than personal credit. For term loans and larger equipment financing, we may consider personal credit as one factor among many, but it's usually not the deciding factor. We'll disclose exactly what we're checking before you apply.

Ranges vary by product: merchant cash advances typically run from $5,000 to $2 million, equipment financing goes up to $5 million, and term loans and lines of credit are structured based on your business's revenue and needs. The amount you qualify for depends on your revenue, time in business, and the specific product.

Nearly all of them. We fund restaurants, retail, construction, trucking and logistics, medical and dental practices, automotive, professional services, e-commerce, manufacturing, real estate, and more. Some highly regulated industries have restrictions, but most small and mid-sized businesses qualify for at least one of our products.

It's more difficult, but not impossible. Most of our standard products require at least 6 months in business. If your business is newer, our team can discuss what's realistic given your situation — including startup-friendly products or timelines for when you'd become eligible.