Construction Accident Pre-Settlement Funding
Construction Accident Lawsuit Loans
Get cash now against your pending construction accident 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 Construction Accident Lawsuit Loans?
A construction accident lawsuit loan is a cash advance tied to your pending injury claim after an accident on a job site. 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 construction accident settlement funding, a construction injury lawsuit loan, a construction accident cash advance, or a non-recourse construction accident loan. They all mean the same thing. There are no monthly payments and no credit requirements. We look at your case, not your finances, so you may qualify regardless of your credit score or employment status.
The money is yours to use for whatever you need most, from medical bills and rent to 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 Construction Accident 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 accident. No documents needed from you.
2. We review your case
Our team contacts your attorney for the incident report and medical records, then reviews liability and likely value. 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 Construction Accident Funding?
Approval comes down to three things: an attorney representing you on contingency, clear liability against the at-fault party, and documented injuries backed by medical records. It does not matter whether you were a laborer, an operator, an electrician, or a passerby hurt near a site. Clear liability and documented injuries are the two biggest factors.
You usually qualify if
- An attorney is handling the case on a contingency fee
- A contractor, property owner, or equipment maker was at fault
- You got medical treatment within a reasonable time after the accident
- Your case has not settled or been dismissed yet
You will not qualify if
- You are representing yourself (we cannot fund pro se cases)
- Liability is genuinely unclear, with no report and no witnesses
- 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 site accident can apply too. Not sure your case fits? Browse the other case types we fund or just apply and let underwriting take a look.
Construction Accidents We Fund
Construction sites carry some of the most dangerous hazards of any workplace. If someone else’s negligence caused your injury, there is a strong chance we can help. The cases we commonly fund include:
Falls from heights
Falls from roofs, ladders, and scaffolds, the leading cause of site deaths.
Scaffolding collapse
Injuries from poorly built, overloaded, or defective scaffolding.
Struck-by falling objects
Tools, debris, or materials dropped from above onto workers below.
Electrocution and burns
Contact with live wires, faulty wiring, or exposed power sources.
Machinery and equipment
Crane, forklift, and power-tool accidents, including defective machines.
Trench and excavation collapse
Cave-ins and caught-in or caught-between crush injuries.
We also fund accidents involving explosions, fires, toxic exposure, and repetitive-stress injuries. If your case looks unusual, apply anyway. Strong liability often matters more than the label on the file.
Why Construction Accident Victims Need Support
A serious site accident can end a career in an instant and leave a family without its main income. The injuries we see most include:
- Traumatic brain injuries and concussions
- Spinal cord injuries and paralysis
- Amputations and crush injuries
- Severe fractures, electrical burns, and nerve damage
- Permanent disability, and wrongful death in the worst cases
Medical care, rehab, and lost wages add up fast, and many workers cannot return to the same job, if they can work at all. Large construction firms and their insurers know this, and they keep experienced legal teams on hand to delay claims and deny responsibility. That delay is exactly the pressure they count on to push you toward a faster, lower settlement. Pre-settlement funding takes that pressure away.
Why Construction Accident Cases Are More Complex Than Most
A construction injury is rarely a fight with just one company, and that is exactly why these cases drag on and why financial support matters so much. A single job site can have a property owner, a general contractor, several subcontractors, an equipment manufacturer, and a staffing agency all working at once. Figuring out who was actually responsible, and which insurance policy should pay, takes investigation before your attorney can even make a demand.
Many injured workers also have a workers’ compensation claim running alongside a separate third-party lawsuit against the negligent party who caused the accident. These two tracks interact, and untangling them correctly is part of what protects the value of your case. It is detailed legal work, and it does not happen overnight.
On top of that, large construction firms and their insurers are well funded and well represented. Their goal is to limit what they pay, and they have the resources to dispute liability and wait you out. All of it adds time before a fair settlement arrives. The more patiently your attorney can build the case, the better the outcome tends to be. A pre-settlement advance buys that patience by keeping your finances stable while the case develops, so you are not forced to accept a low-ball offer just to pay this month’s bills.
How Much Can You Get on a Construction Accident Case?
Approved advances usually land between 10% and 20% of the expected net settlement. Take a case worth $150,000 with $60,000 going to legal fees and costs. The net is $90,000, so a reasonable advance falls around $9,000 to $18,000. 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 injuries, how clear the liability is, the size of the available insurance, and how close the case is to settlement. Because catastrophic site injuries and multiple liable parties can drive high case values, 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.
Construction Accident 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? |
|---|---|---|---|
| Construction accident 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 Construction Accident Victims Choose ECO
ECO Pre-Settlement Funding has funded injured plaintiffs since 2010, including construction accident 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 construction accident lawsuit loans?
They are cash advances based on the expected value of your pending construction accident 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 if I also have a workers’ comp claim?
Often yes. Many construction injuries involve a workers’ comp claim plus a separate third-party lawsuit against the negligent party. We fund against the pending lawsuit. Call (800) 961-8924 and we will review how your specific case is set up.
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 construction accident case?
It depends on the case value, injury severity, and available insurance coverage. Call (800) 961-8924 for a free, no-obligation review and a funding estimate specific to your situation.
The Construction Company’s Lawyers Are Ready. Now You Can Be Too.
Big construction firms have adjusters and legal teams working from day one. A construction accident loan keeps you financially stable so your attorney can match them, and the insurer loses its most powerful tool against you. You owe nothing if your case loses.