Burn Injury Pre-Settlement Funding
Burn Injury Lawsuit Loans
Get cash now against your pending burn 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 Are Burn Injury Lawsuit Loans?
A burn injury lawsuit loan is a cash advance tied to your pending injury claim after a fire, explosion, or other burn 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 burn injury settlement funding, burn injury pre-settlement funding, a burn injury cash advance, or a non-recourse burn injury loan. 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 burn survivors in particular, since serious burns often mean months out of work and mounting bills long before a settlement arrives.
The money is yours to use for whatever you need most, from medical bills and skin-graft surgery to rent, groceries, and everyday costs while you heal. For the full mechanics, see our guide on how pre-settlement funding works, or explore our broader personal injury loans.
How Burn 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 the degree and extent of the burns. 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 Burn Injury Funding?
Approval comes down to three things: an attorney representing you on contingency, clear liability against the at-fault party, and documented burns backed by medical records. It does not matter whether the burn came from a fire, a defective product, a chemical, or hot equipment. 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 burn
- You got medical treatment within a reasonable time after the 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 wrongful death claim after a fatal fire or explosion can apply too. Not sure your case fits? Browse the other case types we fund or just apply and let underwriting take a look.
Burn Injury Cases We Fund
Serious burns come from many directions, and most have a negligent party behind them. If someone else caused the fire, blast, or exposure that hurt you, there is a strong chance we can help. The cases we commonly fund include:
Defective product fires
Faulty appliances, batteries, heaters, and other products that catch fire.
Workplace burns
On-the-job fires, flash burns, and exposure caused by unsafe conditions.
Vehicle fires and explosions
Crashes that trigger fuel fires, battery fires, or explosions.
Chemical burns
Contact with acids, solvents, and other hazardous substances.
Electrical burns
Faulty wiring, exposed lines, and defective electrical equipment.
Scalding and steam burns
Injuries from hot liquids, steam, and dangerously hot surfaces.
We also fund burns from building fires, gas leaks, and apartment or hotel negligence. If your case looks unusual, apply anyway. Strong liability often matters more than the label on the file.
Burn Degrees and Why Severity Shapes Your Case
Not every burn is the same, and the degree of the burn has a direct effect on both your recovery and the value of your claim. Doctors generally classify burns by how deep they reach:
- First-degree burns. Surface damage to the outer skin, with redness and pain that usually heals on its own.
- Second-degree burns. Deeper damage with blistering and swelling that can require wound care and may leave scarring.
- Third-degree burns. Full-thickness burns through the skin that often need skin grafts and can cause permanent damage.
- Fourth-degree burns. The most severe, reaching muscle, tendon, or bone, with a long road of surgery and rehabilitation.
Severity also depends on how much of the body is affected and where the burns are located, since burns to the hands, face, or joints carry a higher risk of lasting disability. Beyond the physical wound, burn survivors often deal with infection risk, chronic pain, permanent scarring, and the emotional weight of disfigurement. These are exactly the long-term costs that make financial support so important while the case is pending.
Why Burn Injury Cases Take Longer to Settle
Burn 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 simple injury heals on a predictable timeline. A serious burn does not, and that long arc of treatment changes how the whole case is built.
The first reason is medical. Severe burns are rarely treated once and closed. They often mean a series of surgeries, skin grafts, and reconstructive procedures spread over many months or even years, sometimes followed by physical therapy to restore movement. Your attorney usually cannot put a true value on the case until your condition stabilizes, because settling too early risks leaving the cost of future surgeries on the table.
The second reason is damages. Burns leave more than a medical bill. Permanent scarring, disfigurement, and the emotional toll are real losses that take careful documentation to prove, often with specialist reports and a life-care plan that maps out future treatment. Building that evidence is detailed work, and it does not happen overnight.
The third reason is the other side. Many burn cases are fought against product manufacturers, large employers, or property owners and their insurers, all of whom are well funded and well represented. Their goal is to limit what they pay, 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 Burn 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 burns, how clear the liability is, the size of the available insurance, and how close the case is to settlement. Because severe burns can carry years of surgery and lasting disfigurement, 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.
Burn 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? |
|---|---|---|---|
| Burn 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 Burn Injury Victims Choose ECO
ECO Pre-Settlement Funding has funded injured plaintiffs since 2010, including burn injury victims 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 are burn injury lawsuit loans?
They are cash advances based on the expected value of your pending burn 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 funded if I am still having surgeries?
Often yes. You do not have to wait until your treatment is complete to apply. We fund active burn 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 quickly can I get funded?
Most applicants receive a decision within 24 hours of our team reaching the attorney. Funds are typically delivered the same day or the next business day after approval.
How much can I get for my burn injury case?
It depends on the case value, burn severity, and available insurance coverage. Severe burns with years of surgery and lasting scarring can support larger advances. Call (800) 961-8924 for a free, no-obligation review and a funding estimate specific to your situation.
Burns Heal Slowly. Your Bills Will Not Wait.
Burn cases take time, and the other side knows it. Burn injury lawsuit funding keeps you financially stable so your attorney can build the case the way it deserves. You owe nothing if your case loses.