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Lawsuit Funding

Your lawsuit is moving forward. Your attorney is working hard. But your landlord, your hospital, and your utility company are not interested in waiting for your settlement.

At ECO Pre-Settlement Funding, we advance cash to injured plaintiffs while their cases are still pending. You pay us back from your settlement when the case closes. If it does not close in your favor, you owe us zero. Nothing. We absorb the loss.

We have been doing this since 2010. Thousands of plaintiffs have used our funding to keep their heads above water while their attorneys fought for fair outcomes. We are ready to help you do the same.

What Is Lawsuit Funding?

Lawsuit funding is a cash advance tied to your pending legal claim.

It is not a bank loan. No monthly payments. No credit check. No mark on your credit report. If your case does not pay out, the balance disappears.

Here is the basic mechanics. ECO reviews your case with your attorney, settles on an advance amount based on what your claim is likely worth, and sends you the money. When your case wraps up, repayment comes straight out of your settlement. Your attorney handles that part.

That is it. No complicated fine print. No surprise charges six months down the road.

You will hear this called different things depending on who you ask:

  • Pre-settlement funding
  • Legal funding
  • Settlement advances
  • Non-recourse lawsuit loans
  • Litigation funding

The name changes. The purpose does not. It covers the gap between your injury and your settlement so you can stop stressing about bills and let your attorney focus on winning.

Who We Help

We work with plaintiffs across a wide range of cases. If you have a pending lawsuit, an attorney on your side, and a reasonable chance of recovery, there is a good chance we can help.

Here is a breakdown of what we fund:

Accident Cases

Injury and Liability Cases

Medical and Professional Negligence

Abuse and Civil Rights Cases

Mass Tort and Class Action

Business Related Cases

Do not see your case type listed? Call us at 800-961-8924. We will give you a straight answer on whether we can help.

How the Process Works

We built this process around getting money into your hands fast, with as little friction as possible.

Step 1: Apply in minutes

Call 800-961-8924 or apply online. Short application. No documents to pull together. No medical records to track down. Just a few basic details to get things moving.

Step 2: We reach out to your attorney

Our team contacts your attorney directly. We review the case, look at liability, and land on a funding amount. You do not need to do anything at this stage.

Step 3: Money hits your account

Once approved, we send funds straight to you. Most clients get their money the same day or the next business day.

Step 4: You repay only if you win

When your case closes, your attorney handles repayment from your settlement. If your case does not pay out, you walk away with no debt to us.

No upfront fees. No monthly bills. No hidden costs buried anywhere.

Why People Come to Us

Nobody calls us because things are going great.

They call because something went wrong fast and without warning. A car accident. A workplace injury. A surgery that left them worse off than before. An act of violence. One event and suddenly the financial picture that took years to build is gone.

Medical bills start piling up before you even get home from the hospital. Income stops. Savings drain faster than you expect. And the legal process that is supposed to make things right does not move on your schedule.

Meanwhile the insurance company on the other side is perfectly comfortable waiting. That is their strategy. They know you are under financial pressure. They know the bills are building. They will sit back and wait for you to get desperate enough to take a low number just to get some relief.

ECO exists to take that weapon away from them.

When your immediate bills are covered, your whole negotiating position changes. You stop making decisions out of desperation. Your attorney gets the time needed to build a real case. And the insurance company loses the one thing they were counting on.

That is what lawsuit funding actually does in practice. It is financial relief, yes. It is also a tactical advantage.

Lawsuit Funding vs. a Bank Loan

People ask us this comparison all the time. Here is the honest version.

A bank loan:

  • Requires a credit check
  • Requires proof of income or employment
  • Requires monthly repayments starting right away
  • Gets repaid in full no matter what happens with your case
  • Adds to your debt load whether you win or lose

ECO lawsuit funding:

  • No credit check
  • No employment verification
  • No monthly payments
  • Repaid only from your settlement if you win
  • If you lose, you owe us nothing

A bank loan puts the risk on you. Our funding puts it on us. That is not a minor difference. That is the whole point.

What People Use the Money For

No restrictions. Once the money is in your account, it is yours to use however you need. Here is what most clients tell us they use it for:

  • Rent or mortgage to avoid losing housing
  • Medical bills insurance did not cover
  • Lost income during recovery
  • Utility bills and keeping the lights on
  • Groceries and everyday household expenses
  • Physical therapy or specialist visits
  • Mental health support and counseling
  • Childcare during recovery
  • Car payments to keep transportation running
  • Legal expenses not covered by their contingency arrangement

Your most urgent need right now is what the money is for. We do not tell you how to spend it.

Why Clients Choose ECO

There are other companies that do this. We know that. Here is what we hear from clients about why they picked us.

We have been around since 2010.

Not a startup. Not a company that launched last year. We have funded plaintiffs across every major case type in nearly every state for over a decade. That track record matters when you are trusting someone with your financial situation.

We tell you exactly what things cost.

Some funding companies put their fees in confusing contract language and hope you do not ask questions. We explain everything in plain terms before you sign anything. What you see is what you get.

We work with your attorney, not around them.

Your attorney is the most important person in your case. We treat them accordingly. We keep communication clean and professional so the funding process never becomes a source of friction.

We are fast.

Most clients have a decision within 24 hours of us talking to their attorney. Funds usually follow the same day or the next business day. When you need relief, waiting a week is not acceptable.

We fund a wide range of cases.

Car accidents to class actions. Medical malpractice to civil rights cases. If you have a strong case and a good attorney, we want to talk.

How Much Can You Get?

Every case is different, so every funding amount is different.

We look at several things when we evaluate how much to advance:

  • The severity of your injuries or damages
  • How strong the liability is in your case
  • What insurance coverage the defendant carries
  • Your attorney’s read on likely recovery
  • Where the case currently stands in the legal process
  • Any state-specific factors that might affect the value

Some clients qualify for a few thousand dollars to get through the next month. Others qualify for significantly more when the injuries are serious, liability is clear, and insurance coverage is substantial. The only way to know where you land is to apply and let us look at your case.

Call 800-961-8924 for a free case review with no obligation.

Frequently Asked Questions

What is the difference between lawsuit funding and a lawsuit loan?

Mostly just terminology. Both describe pre-settlement cash advances. We prefer “funding” because our product is technically not a loan. It is a non-recourse advance that only gets repaid if your case wins.

Will getting funding mean I settle for less?

The opposite tends to be true. When your bills are covered, you have far less pressure to grab the first offer that comes across the table. Plaintiffs who are not in financial distress almost always get better outcomes than those who are negotiating under pressure.

Will the insurance company find out I got funding?

In most cases, no. This is a private financial arrangement between you and ECO. It does not get disclosed to opposing counsel unless you or your attorney decide to bring it up, or a court specifically requires it.

Can I apply if I already have a bank loan?

Yes. Existing debt does not disqualify you. We look at your case, not your personal financial situation.

Does my attorney have to agree to this?

They do not need to formally sign off, but we do work directly with them to review your case, so their cooperation is necessary. Most personal injury attorneys know how pre-settlement funding works and have no issue with clients pursuing it.

Can I get funding on a contingency fee case?

Yes, and these are actually the most common type of case we fund. When your attorney works on contingency, repayment of our advance and their fee both come out of the settlement at the same time. It is a clean process.

Is this available in my state?

We fund plaintiffs in most states. A few states have specific regulations that affect how funding is structured. Call us at 800-961-8924 and we will confirm what is available where you are.

Ready to Apply?

You have a solid case. You have an attorney in your corner. What you need now is the financial breathing room to let that play out properly.

ECO has been funding injured plaintiffs since 2010. We know how to move fast, communicate clearly, and get money to you when the timing matters most.

No cost to apply. No obligation to accept what we offer. No repayment if your case does not pay out.

Call 800-961-8924 or apply online right now. Most applicants get a decision within 24 hours.