The process, start to finish. No mystery.
Most funding companies bury their process behind vague language and disclaimers. We're going to walk you through exactly what happens — from the moment you submit an application to the day your case settles and repayment is handled. Zero surprises.
- ✓ The full 4-step process in plain English
- ✓ What we actually evaluate during underwriting
- ✓ Exactly how repayment works at settlement
- ✓ Every fee, every term, disclosed upfront
The process, in short
Four steps. About 24 hours. Zero games.
Here's the whole thing at a glance. We'll break down each step in detail below — but this is the roadmap from your first click to funds in your account.
You Submit an Application
Fill out our short online form or call us directly. Takes about 3 minutes. We only ask for what we actually need to review your situation.
A Specialist Contacts You
Usually within the hour during business hours. They'll gather any details we need and coordinate directly with your attorney's office.
We Underwrite Your Case
Our team evaluates the strength and estimated value of your case, then decides how much we can advance. Most decisions happen within 24 hours.
You Get Funded
Sign the agreement and funds are wired directly to your bank account — often within 24 hours. Use the money for anything you need.
Start with the essentials. Nothing more.
Some funders make you fill out a mini-novel just to see if you qualify. We don't. Our online application asks for the minimum we need to route your request to the right specialist — your name, contact info, state, case type, and how much you're looking for.
Once you submit, one of our funding specialists reaches out — usually within the hour during business hours. They'll walk you through any additional questions and start coordinating with your attorney's office. You don't have to chase anyone down or do anything technical. We handle it.
- ✓ No account to create, no password to remember
- ✓ Your credit is never pulled during the application
- ✓ All communication is with real humans, not chatbots
- ✓ You can call instead of applying online — either works
Under the hood: what happens after you apply.
This is where most funding companies stop being transparent. Here's exactly what our team does between your application and the moment funds land in your account.
A specialist reviews your application and calls you
Every application is reviewed by a real person on our team, not an algorithm. Your assigned specialist reads through what you submitted, checks that we can operate in your state, and calls you to introduce themselves and gather anything else we need. They also request permission from you to contact your attorney directly, so you're not stuck playing middleman between us and your law firm.
What info they'll ask for →
Our underwriters evaluate your case
Once we have the documents from your attorney — typically the complaint, incident report, medical summaries, and case value estimate — our underwriting team reviews them. They're looking at the strength of liability, the extent and documentation of injuries, and the reasonable settlement range for cases like yours. Most decisions come within 24 hours. If we can fund you, we'll tell you exactly how much we can advance and at what terms. If we can't, we'll tell you why.
What we look at →
You sign, we wire, you get your money
If you accept our offer, we send you a written funding agreement. It includes the exact advance amount, the exact repayment amount at settlement, and any relevant terms — no fine print, no surprises. Once you and your attorney sign, we wire funds directly to your bank account. Most transfers land within 24 hours. Use the money for whatever you need — rent, medical bills, groceries, car payments. It's yours.
Ready to apply →What we actually evaluate.
Underwriting is the part of the process most funders keep intentionally vague. We think you deserve to know what we're actually looking at when deciding whether — and how much — we can fund. Here are the four factors that matter most.
None of these are your credit score, your income, your employment history, or your personal financial background. We're evaluating your case, not you.
How you pay us back — and what happens if you don't win.
This is the part clients worry about most, so let's be direct. When your case settles, your attorney handles our payoff directly from the settlement proceeds as part of the disbursement process. You don't write us a check. You don't wire us money. You don't get involved in the mechanics.
The payoff amount is set in writing at the time of funding — before you ever sign anything. It doesn't secretly balloon over time. There are no penalty fees for cases that take longer than expected. What you agree to at funding is what you pay at settlement. Period.
And if your case doesn't win — for any reason — you owe us nothing. That's not marketing language. That's the whole point of non-recourse funding. The risk lives with us.
- ✓ Repayment handled by your attorney at settlement
- ✓ Payoff amount fixed in writing at time of funding
- ✓ No monthly payments, no interest accruing over time
- ✓ Lose your case? You owe nothing — ever
What we need to fund your case.
Most people who apply qualify for something. Here are the four things we generally need in place to move forward. If you're not sure whether you meet these, apply anyway — we'll tell you either way.
You Have an Attorney
You're represented by counsel on your case. This is required for pre-settlement funding — no exceptions.
RequiredYour Case Is Pending
You have a valid claim that's been filed or is in active pre-litigation with your attorney's office.
RequiredDocumented Injuries or Damages
Medical records, treatment history, or other evidence documenting the injuries and damages from the incident.
RequiredFundable Case Type
Your case type is one we underwrite — most personal injury case types qualify. Not sure about yours? Call us.
Case-dependentQuestions about the process.
Common questions we hear about how the process works. For the full FAQ across every topic — pricing, cases, our company — check out our complete FAQ page.
See our full FAQ →How long does the whole process take?
What if my attorney has never worked with a funder before?
Do you send someone to collect documents from me?
Is there a way to check my application status?
What if I need money for something specific — like surgery?
Can I apply for more funding later on the same case?
What if my case settles for less than expected?
What if I change my mind after signing?
Now let's put it
to work for you.
You understand how it works. You know what we look at. You know how repayment happens. All that's left is to apply and find out what we can do for your case.
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