Pre-Settlement Funding: Risk-Free Cash Advances in 24 Hours
Get the financial relief you need to fight for the settlement you deserve. Our pre-settlement funding is 100% non-recourse with no credit checks. If you lose your case, you owe us nothing.
ABOUT ECO PRE-SETTLEMENT FUNDING
What Is Pre-Settlement Funding?
Pre-settlement funding 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, there is no risk to you. If your case does not settle in your favor, you owe us absolutely nothing. There are no credit checks, no monthly payments, and no out-of-pocket cost. Since 2010, ECO has helped tens of thousands of injury victims across the United 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 nationwide.
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 hours, with no lengthy paperwork or waiting periods.
Receive Your Cash in 24 Hours
Once approved, funds are sent directly to you, often within 24 hours. Remember, if your case does not settle in your favor, you owe us nothing. There is zero financial risk to you.
LEADERSHIP
Meet Johnny Cavalli, Founder of ECO Pre-Settlement Funding
Johnny Cavalli founded ECO Pre-Settlement Funding to give injury victims a fair alternative to accepting lowball insurance offers out of financial desperation. For more than a decade he has built the company around ethical funding, plain-English rate disclosures, and putting the plaintiff first.
Under his leadership, ECO discloses every rate up front, never charges hidden fees, and works only through your attorney so your case always comes first. That commitment is why thousands of plaintiffs and their lawyers trust ECO to bridge the gap while they fight for a full and fair settlement.
Read Johnny Cavalli’s Full BioReal Clients. Real Relief.
We have helped injury victims across the country get the financial breathing room they needed.
ECO helped me stay afloat while my car accident case went on for over a year. I did not have to accept a lowball settlement.
Car Accident Claimant | Florida
I was worried about my credit score, but ECO did not even check it. The whole process was fast and my attorney handled everything. I got funded within two days.
Personal Injury Claimant | Texas
My attorney actually recommended ECO to me. The process was seamless, with no hassle and no pressure. I could finally focus on my recovery instead of my finances.
Truck Accident Claimant | Illinois
WHERE WE FUND
Nationwide Legal Funding Availability
ECO provides pre-settlement funding to injury victims across the United States. Select your state to learn how funding works where you live.
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 your state of residence and the details of your case.
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 makes pre-settlement funding risk-free for you.
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 applicants receive a funding decision within 24 hours of submitting a completed application. Once approved, funds are typically delivered within one to two business days, depending on your preferred payment method and how quickly your attorney provides case documents.
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.
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 risk-free financial breathing room to wait for the full settlement you deserve. Apply in minutes with no credit check and no obligation.