Pre-Settlement Funding for Injured Plaintiffs
Cash in 24 to 48 hours against your pending lawsuit. No credit check. Repay only if you win.
ABOUT ECO PRE-SETTLEMENT FUNDING
What Is Pre-Settlement Funding?
Pre-settlement funding, also called lawsuit funding or lawsuit loans, is a non-recourse cash advance provided to plaintiffs who have a pending personal injury lawsuit. It is not a traditional loan. You receive money now against the future value of your settlement, and you only repay it if you win or settle your case.
Because it is non-recourse, you owe us nothing if your case does not settle in your favor. There are no credit checks, no monthly payments, and no out-of-pocket cost. With thousands of plaintiffs funded since 2010, ECO helps injury victims in 41 states bridge the gap while they wait for the compensation they deserve.
How Pre-Settlement Funding WorksCASES WE FUND
Personal Injury Lawsuit Loans We Fund
We provide pre-settlement funding to plaintiffs pursuing personal injury and motor vehicle accident claims in 41 states.
Car Accident Loans
Cash advances for drivers and passengers injured in auto collisions while your claim is pending.
Car Accident LoansTruck Accident Loans
Funding for victims of commercial truck and 18-wheeler crashes facing long, complex litigation.
Truck Accident LoansSlip & Fall Accidents
Advances for people hurt in slip, trip, and fall accidents caused by unsafe property conditions.
Slip & Fall Accident LoansPremises Liability
Funding for injuries on someone else’s property due to negligent maintenance or unsafe conditions.
Premises Liability FundingConstruction Accidents
Cash advances for workers injured on job sites by falls, equipment, or unsafe site conditions.
Construction Accident FundingWrongful Death
Financial support for families pursuing a wrongful death claim after the loss of a loved one.
Wrongful Death FundingHOW IT WORKS
How Our Pre-Settlement Funding Works
Three straightforward steps stand between you and the financial relief you need.
Apply in Minutes
Complete our simple online application or call us at 800-961-8924. We ask for basic information about your case and your attorney’s contact details. No SSN is required for a credit pull, and the whole process takes just minutes.
We Review Your Case With Your Attorney
Our underwriting team works directly with your attorney to evaluate your claim. This keeps friction off your plate. Most applicants receive a funding decision within 24 to 48 hours, with no lengthy paperwork or waiting periods.
Receive Your Cash in 24 to 48 Hours
Once approved, funds are sent directly to you, often within 24 to 48 hours. Remember, if your case does not settle in your favor, you owe us nothing. The advance is non-recourse: you repay only if you win.
Advances from $500 to $250,000, typically 10 to 20 percent of expected case value. Estimate your advance.
WHO QUALIFIES
Do You Qualify for Pre-Settlement Funding?
Approval depends on your case, not your credit. Here is what we look for:
- You have a pending personal injury or accident case.
- An attorney represents you on a contingency-fee basis.
- Your claim is filed in a state we serve.
- There is no credit or employment check.
See the full eligibility requirements for pre-settlement funding.
WHERE WE FUND
Legal Funding Availability in 41 States
ECO provides pre-settlement funding to injury victims in 41 states. Select your state to learn how funding works where you live. Funding is not available in Arkansas, Colorado, Connecticut, Kentucky or West Virginia due to state law, and we do not currently operate in Illinois, Louisiana, Missouri or Nevada.
Funding terms and rates are regulated at the state level and vary by state, including how simple and compound interest may be applied. Availability and specific terms depend on the state where your claim is filed and the details of your case.
WHAT IT COSTS
What Pre-Settlement Funding Costs
Pre-settlement funding is not free, so it helps to understand the cost before you sign. Because every ECO advance is non-recourse, the cost is paid only out of a successful settlement or award. If you lose, you repay nothing.
- No upfront fees. You pay nothing out of pocket to apply or to get approved.
- No monthly payments. Nothing is due while your case is pending. Repayment comes out of your settlement, through your attorney.
- Pricing set for your case. We price each advance after reviewing your case with your attorney, rather than applying one rate to everyone.
- A written payback schedule before you sign. Your agreement shows what you would repay at different points in time, so you and your attorney can review it before you commit.
- Time drives the total. The longer your case takes to resolve, the more you repay, so it makes sense to take only what you need. Injury cases can take a long time: in a Bureau of Justice Statistics study of state court tort trials, the median jury trial took about 23 months from filing to verdict.
For a full breakdown of fees and the questions to ask before you sign, read our guide to pre-settlement funding costs and fees. To see what your case might support, estimate your advance with our calculator.
FAQ
Frequently Asked Questions About Pre-Settlement Lawsuit Loans
Clear answers to the most common questions about how pre-settlement funding works.
Is a pre-settlement cash advance the same as a lawsuit loan?
The terms are used interchangeably, but a pre-settlement cash advance is not a traditional loan. It is a non-recourse advance against your future settlement. There are no monthly payments and no personal liability. You repay only if you win or settle your case, and if you lose you owe nothing.
What happens to the lawsuit loan if I lose my case?
If you lose your case, you owe ECO nothing. Because the advance is non-recourse, repayment comes only from a successful settlement or judgment. If there is no recovery, you keep the money you received and there is no obligation to repay it. That is what non-recourse means: you repay only if you win.
How much of my expected settlement can I get an advance on?
Most funding companies advance a portion of your estimated settlement rather than the full amount, which protects you from over-borrowing against your case. ECO evaluates each application individually with your attorney to set an appropriate advance based on your case circumstances and anticipated settlement value.
How fast can I get pre-settlement funding?
Most approved clients receive funds within 24 to 48 hours of signing.
Do I need good credit to qualify?
No credit check is required. ECO does not verify credit history or employment status. Qualification is based entirely on the strength of your pending lawsuit, which makes funding accessible to eligible plaintiffs regardless of financial background.
Does pre-settlement funding affect my lawsuit?
No. Pre-settlement funding has no impact on your case or your attorney’s legal strategy. All communication is handled directly between ECO and your attorney, with no interference in your legal proceedings or settlement negotiations. Your attorney continues to represent your best interests exactly as before.
Is pre-settlement funding a good idea?
It can be, if you need money for rent, bills, or other essentials and the alternative is accepting a low settlement just to get by. Because the cost grows the longer your case takes, take only what you need, read the written payback schedule, and talk it over with your attorney before you sign.
Who is the best pre-settlement funding company?
The best company for you is one whose written terms you understand before you sign. Look for non-recourse funding, no upfront fees, no monthly payments, pricing explained in writing, and a company that works through your attorney. Compare written offers side by side before you decide.
How much of a $20,000 settlement will I get?
You receive what is left after attorney fees, case costs, and any medical liens are paid, minus any funding you repay. If you apply for an advance, ECO offers only part of that expected net amount, so you still receive money at the end. Our calculator gives a quick estimate.
How long does a pre-settlement loan take?
Approval and funding usually take 24 to 48 hours once your attorney confirms the case details. After that, the advance stays open until your case resolves, which can take months or years. There are no monthly payments in the meantime, and the total you repay depends on how long the case takes.
APPLY NOW
Apply in 2 Minutes
Tell us about your case. There is no cost to apply, no credit check, and no obligation.
Do Not Let Financial Pressure Force You to Settle for Less
Medical bills, lost wages, and everyday expenses do not stop while your case is pending. Get the financial breathing room to wait for the full settlement you deserve, with non-recourse funding you repay only if you win. Apply in minutes with no credit check and no obligation.