Pre-Settlement Funding Eligibility
Who Qualifies for Pre-Settlement Funding?
If you have an active injury claim and an attorney, you likely qualify. Approval is based on your case, not your credit, income, or job. Owe nothing if you lose.
No credit check · No job required · Owe nothing if you lose · All 50 states
Quick answer: You qualify for pre-settlement funding if you have an active personal injury claim, an attorney representing you on a contingency fee, and a defendant with insurance or the ability to pay a settlement. Your credit score, employment, and income do not affect approval, because the advance is repaid from your settlement and you owe nothing if your case loses.
The 3 Basic Requirements for a Lawsuit Cash Advance
Underwriting for a lawsuit cash advance is simple compared to a bank loan. There are really only three things that decide whether you qualify, and none of them touch your personal finances.
1. You Must Have an Active Personal Injury Claim
You need a pending claim that has not settled or been dismissed, whether it is filed in court or in active negotiation. The stronger the liability and the clearer the damages, the more you can be advanced.
2. You Must Be Represented by a Contingency-Fee Attorney
We work through your attorney, who provides the case details and coordinates repayment at settlement. We cannot fund cases where you represent yourself, so an attorney is required.
3. The Defendant Must Have Insurance or Ability to Pay
A settlement is only worth funding if there is a source to pay it. An insured defendant, a corporate defendant, or a settlement fund all count. A judgment-proof defendant with no coverage does not.
Meet all three and you are very likely approved. See exactly how pre-settlement funding works, or browse every case type we fund.
Not Sure If You Qualify? Find Out in 2 Minutes
Applying is free, takes about two minutes, and never touches your credit. Most applicants hear back within 24 hours of their attorney sending the file.
Does My Employment or Financial Status Matter?
No. This is the biggest difference between a lawsuit cash advance and a bank loan. We are not lending against your income or your credit, we are advancing money against the value of your legal claim. That means your job situation and your finances simply do not enter the decision.
Funding for the Unemployed, Gig Workers, and Self-Employed
You do not need a job to qualify. Whether you are unemployed, between jobs, driving for a rideshare app, freelancing, or running your own business, none of it changes your approval. In fact, many applicants apply precisely because an injury has interrupted their ability to work. We never ask for pay stubs, tax returns, or proof of income.
Funding for Seniors and Retirees
Retirees on a fixed income qualify the same as anyone else. Because approval rests on the claim rather than earnings, being retired or living on Social Security or a pension is never a barrier. For many seniors, an advance covers medical costs and daily expenses that a fixed income cannot stretch to during a long case.
Why We Never Require Credit Checks
A credit check tells a lender whether you can repay from your own pocket. Pre-settlement funding is non-recourse, so repayment only ever comes from your settlement, never from you personally. If your case loses, the debt is forgiven. Since your finances are never the repayment source, there is nothing to check. Bad credit, no credit, or past bankruptcy make no difference at all.
Motor Vehicle Accident Cases That Qualify
Motor vehicle crashes are the most common cases we fund, because liability is often clear and an insurer is usually on the other side. If you were hurt in any of the following and have an attorney, you likely qualify:
- Car accident loans
- Truck accident loans
- Motorcycle accident loans
- Pedestrian accident loans
- Bicycle accident loans
- Rideshare (Uber and Lyft) accident loans
- Bus accident loans
Motor vehicle claims are far from the only cases that qualify. We also fund slip and fall, medical malpractice, product liability, workplace injury, wrongful death, and many other personal injury case types. If you are not sure your case fits, apply and let underwriting take a look.
Why Might a Funding Application Be Denied?
Responsible funders do not approve every application, and that is a good thing. Careful underwriting protects you from being advanced money against a claim that cannot support it. An application is usually declined for one of these reasons:
- No attorney on the case. We cannot fund claimants who are representing themselves.
- Unclear or weak liability. If fault is genuinely disputed or largely yours, the claim may be too uncertain to advance against.
- No source of recovery. A defendant with no insurance and no assets leaves nothing to repay a settlement from.
- The case already settled. Once a claim is resolved and paid, there is no future settlement to fund against.
- The filing deadline has passed. If the statute of limitations has expired with no exception, the claim cannot proceed.
- Too little settlement value left. If prior advances already claim most of the expected proceeds, additional funding may not be possible.
If your application is not approved right away, it is often a timing issue. As a case matures and liability and damages become clearer, a claim that was too early can become fundable. When in doubt, apply. A review costs nothing and carries no obligation.
Frequently Asked Questions
Can I qualify for pre-settlement funding without a job?
Yes. Employment is not a requirement. Approval is based on your legal claim, not your income, so unemployed, gig, self-employed, and retired applicants all qualify on the same terms. We never ask for pay stubs or proof of income.
Do I need a lawyer to qualify?
Yes. You must be represented by an attorney, ideally on a contingency fee. We coordinate directly with your attorney’s office to review the case and handle repayment at settlement, so we cannot fund cases where you represent yourself.
Does bad credit or no credit disqualify me?
No. We do not run credit checks. Because the advance is repaid only from your settlement and forgiven if you lose, your credit history is never part of the decision. Bad credit, no credit, and past bankruptcy make no difference.
How soon after my accident can I apply?
As soon as you have hired an attorney and have an active claim. There is no waiting period. Very new cases can sometimes be funded at a smaller amount, with more available as liability and damages become clearer.
Can I still qualify if I already have a settlement offer?
Often yes, as long as you have not accepted a final offer in writing and the case has not been paid out. A pending offer can actually make underwriting faster, because the likely value is clearer. Once a settlement is finalized and distributed, there is nothing left to fund.
What types of cases qualify besides car accidents?
Most personal injury and civil claims can qualify, including slip and fall, medical malpractice, product liability, workplace injury, abuse claims, and wrongful death. If you have an attorney and a pending claim, it is worth applying to find out.
See If You Qualify Today
If you have an active injury claim and an attorney, you are probably eligible. Checking is free, takes two minutes, and never touches your credit. You owe nothing if your case loses.