Traumatic Brain Injury Pre-Settlement Funding
Traumatic Brain Injury Legal Funding
Get cash now against your pending brain injury case. Approval in 24 to 48 hours, no credit check, and you pay back nothing if you lose.
Funded in 24 to 48 hours · No credit check · Owe nothing if you lose · All 50 states
$500 to $250,000+
Funding sized to your case strength and projected settlement, not to your credit.
Funded in 24 to 48 hours
Apply today and get a decision within a day of your attorney sending the file.
Lose and owe nothing
The advance is non-recourse. If your case fails, the debt is forgiven in full.
No credit, no income proof
Approval rests on your case file. Your job, income, and credit never factor in.
What Is Traumatic Brain Injury Legal Funding?
Traumatic brain injury legal funding is a cash advance tied to your pending TBI claim after an injury caused by someone else’s negligence. It is not a bank loan. We advance money based on the expected value of your case, and when the case settles, repayment comes straight out of the settlement, not your savings or your paycheck. If your case loses, the advance is forgiven and you keep what you received.
You will also hear it called TBI lawsuit loans, brain injury pre-settlement funding, TBI settlement funding, or a head injury cash advance. They all mean the same thing. There are no monthly payments and no credit requirements, because we look at your case, not your finances. That matters for brain injury survivors in particular, since many cannot return to work right away and would never qualify for a traditional loan while they heal.
The money is yours to use for whatever you need most, from medical bills and rehabilitation to rent, groceries, and everyday costs. For the full mechanics, see our guide on how pre-settlement funding works, or explore our broader personal injury loans.
How Brain Injury Funding Works
Your focus should be on recovery, not paperwork. Most cases go from application to wired funds in two to three business days, and we handle the case side with your attorney.
1. Apply in 2 minutes
Submit the short form or call. Give us your contact details, your attorney’s info, and a quick note about the injury. No documents needed from you.
2. We review your case
Our team contacts your attorney for the records and reviews liability and likely value, including neurological findings. Most decisions come within 24 hours.
3. Get your cash
Once approved, funds are sent directly to you, often the same day or the next business day. No upfront fees.
Who Qualifies for Brain Injury Legal Funding?
Approval comes down to three things: an attorney representing you on contingency, clear liability against the at-fault party, and a documented brain injury backed by medical records. It does not matter how the injury happened, whether it was a crash, a fall, or a blow on the job. Clear liability and documented injuries are the two biggest factors.
You usually qualify if
- An attorney is handling the case on a contingency fee
- Someone else was clearly at fault for the injury
- You were diagnosed and treated for the head or brain injury
- Your case has not settled or been dismissed yet
You will not qualify if
- You are representing yourself (we cannot fund pro se cases)
- You were fully at fault for your own injury
- You already accepted a final settlement offer in writing
- The filing deadline in your state has already passed
Families pursuing a claim on behalf of a loved one who cannot manage their own affairs after a severe brain injury can apply too. Not sure your case fits? Browse the other case types we fund or just apply and let underwriting take a look.
Brain Injury Cases We Fund
A traumatic brain injury can come from almost any serious accident. If someone else’s negligence caused the blow to the head, there is a strong chance we can help. The cases we commonly fund include:
Car and truck accidents
Whiplash and impact forces are a leading cause of concussions and severe TBIs.
Slip and falls
Falls on unsafe property, the top cause of brain injuries across all ages.
Workplace and construction
Falling objects, falls from heights, and equipment accidents on the job.
Pedestrian and bike accidents
Vulnerable victims often suffer head trauma when struck by a vehicle.
Assault and negligent security
Head injuries from attacks that a property owner failed to prevent.
Medical negligence
Oxygen deprivation, surgical errors, and birth-related brain injuries.
We also fund brain injuries from sports and recreation, defective products, and nursing home neglect. If your case looks unusual, apply anyway. Strong liability often matters more than the label on the file.
Mild, Moderate, and Severe TBI: Why Severity Shapes Your Case
Not every brain injury looks the same, and the grade of the injury has a direct effect on both your recovery and the value of your claim. Doctors generally sort traumatic brain injuries into three levels:
- Mild TBI or concussion. Brief or no loss of consciousness, but real symptoms like headaches, dizziness, memory gaps, and trouble concentrating that can last weeks or months.
- Moderate TBI. Longer loss of consciousness and lasting cognitive, physical, or emotional changes that often require rehabilitation and time away from work.
- Severe TBI. Extended unconsciousness or coma, with the potential for permanent disability and a lifetime of care.
Common symptoms across all grades include persistent headaches, vision problems, balance issues, fatigue, nausea, memory loss, difficulty concentrating, mood and personality changes, and disrupted sleep. The catch is that many of these signs are invisible on a routine scan, which is exactly what makes the legal side harder, and the financial pressure heavier, than people expect.
Why Brain Injury Cases Take Longer to Settle
Brain injury claims are among the slowest personal injury cases to resolve, and the reasons are exactly why financial support matters so much while you wait. A broken bone heals on a predictable timeline. A brain injury does not, and that uncertainty changes how the whole case is built.
The first reason is medical. Your attorney usually cannot put a true value on the case until you reach what doctors call maximum medical improvement, the point where your condition has stabilized and the long-term picture is clear. With a TBI, that can take many months or longer, because the full effect on memory, mood, and the ability to work may only become obvious with time. Settling before then risks leaving future care costs on the table.
The second reason is proof. Because many brain injuries do not show up on a standard CT or MRI, proving the injury often takes neuropsychological testing, specialist reports, and sometimes a life-care plan that maps out future treatment and lost earning capacity. Building that evidence is detailed work, and it does not happen overnight.
The third reason is the other side. Insurers know TBI symptoms can be invisible, so they often argue the injury is minor, pre-existing, or exaggerated. Disputing that takes time, and the delay is the pressure they count on to push you toward a faster, lower settlement. A pre-settlement advance takes that pressure away by keeping your finances stable while your attorney builds the case properly, so you are not forced to accept less than your claim is worth just to pay this month’s bills.
How Much Can You Get on a Brain Injury Case?
Approved advances usually land between 10% and 20% of the expected net settlement. Take a case worth $200,000 with $80,000 going to legal fees and costs. The net is $120,000, so a reasonable advance falls around $12,000 to $24,000. Here is how that plays out across common case sizes:
| Estimated case value | Net after fees & costs | Typical advance range |
|---|---|---|
| $50,000 | ~$30,000 | $3,000 to $6,000 |
| $100,000 | ~$60,000 | $6,000 to $12,000 |
| $250,000 | ~$150,000 | $15,000 to $30,000 |
| $500,000 | ~$300,000 | $30,000 to $60,000 |
| $1,000,000+ | ~$600,000 | $60,000 to $120,000+ |
Four things push the approved amount higher: the severity of your injury, how clear the liability is, the size of the available insurance, and how close the case is to settlement. Because severe brain injuries can carry lifetime care costs, these claims often support larger advances. For the pricing detail, see our breakdown of pre-settlement funding costs and fees.
See What Your Case Qualifies For
Applying takes about two minutes and never touches your credit. Most clients hear back within 24 hours of their attorney sending the file.
Brain Injury Loan vs Other Ways to Get Cash
When money gets tight during recovery, most people weigh a few options. Here is how a pre-settlement advance compares with the usual alternatives.
| Option | Owe it if you lose? | Credit check? | Monthly payments? |
|---|---|---|---|
| Brain injury loan | No | No | No |
| Credit card | Yes | Yes | Yes |
| Personal bank loan | Yes | Yes | Yes |
| Borrowing from family | Yes | No | Often |
What happens if you lose your case?
You owe nothing. The agreement is non-recourse, so our right to repayment only exists if your case results in a settlement or judgment. If a jury rules against you, or the case falls apart, the advance is forgiven. Nothing goes to collections, nothing lands on your credit report, and the funder absorbs the full loss. That risk is also why the payback figure looks higher than a bank rate. For you, the trade is simple: a known cost if you win, and zero cost if you lose.
Why Brain Injury Survivors Choose ECO
ECO Pre-Settlement Funding has funded injured plaintiffs since 2010, including traumatic brain injury survivors across the country. Our underwriters include former personal injury paralegals and case managers, so we read a file the way your attorney does and approve on the same factors your lawyer values: documented liability and verified damages.
- No-risk funding. You repay only if your case pays out.
- Fast decisions. Most applicants hear back within 24 hours.
- No credit checks. Your case is your qualification.
- Transparent terms. Clear, capped payback with no hidden fees or fine print.
- Direct attorney coordination. We handle communication with your legal team.
We exist to make a hard situation a little more manageable. Funding rules differ by state, with details on pages like California and Texas.
Frequently Asked Questions
What is traumatic brain injury legal funding?
It is a cash advance based on the expected value of your pending brain injury lawsuit. You repay from your settlement only if you win. If your case does not pay out, you owe nothing. There are no monthly payments and no credit checks.
Can I get funding for a mild TBI or concussion?
Yes. We fund concussions and mild TBIs as well as moderate and severe cases. What matters most is clear liability and a documented diagnosis, not the label on the injury. Call (800) 961-8924 and we will review your specific case.
Can I get funded before reaching maximum medical improvement?
Often yes. You do not have to wait until your treatment is complete to apply. We fund active cases at many stages. The closer a case is to settlement, the larger the advance can be, but early funding is common when liability is clear.
Do I need an attorney to apply?
Yes. You must have legal representation to qualify. We contact your attorney directly to review the claim and determine eligibility, so you do not need to gather documents yourself.
How much can I get for my brain injury case?
It depends on the case value, injury severity, and available insurance coverage. Severe brain injuries with lifetime care needs can support larger advances. Call (800) 961-8924 for a free, no-obligation review and a funding estimate specific to your situation.
The Insurer Is Counting on You to Settle Early. You Do Not Have To.
Brain injury cases take time, and the other side knows it. Traumatic brain injury legal funding keeps you financially stable so your attorney can build the case the way it deserves. You owe nothing if your case loses.