Defective Medical Device Pre-Settlement Funding
Defective Medical Device Lawsuit Funding
Get cash now against your pending defective medical device 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 Defective Medical Device Lawsuit Funding?
Defective medical device lawsuit funding is a cash advance tied to your pending product liability claim after a faulty implant or device caused you harm. It is not a bank loan. We advance money based on the expected value of your case, and when it 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 medical device product liability pre-settlement funding, an implant failure lawsuit advance, mass tort medical device funding, or a non-recourse medical device loan. They all mean the same thing. There are no monthly payments, no credit checks, and no employment verification, because we look at your case, not your finances. That matters for device patients in particular, since these claims can take years to resolve while revision surgeries and complications pile up.
The money is yours to use for whatever you need most, from revision surgery and follow-up care to rent, groceries, and everyday bills while your case moves forward. For the full mechanics, see our guide on how pre-settlement funding works, or explore our broader personal injury loans.
How Medical Device 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 device and 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 device involved and your injuries. 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 Medical Device Funding?
Approval comes down to three things: an attorney representing you on contingency, clear product liability against the manufacturer or another defendant, and a documented device injury backed by medical records. It does not matter which device failed or whether your case is an individual suit or part of a mass tort. Clear liability and documented harm are the two biggest factors.
You usually qualify if
- An attorney is handling the case on a contingency fee
- A defective device caused you documented physical harm
- You received medical treatment, such as revision surgery or follow-up care
- Your case has not settled or been dismissed yet
You will not qualify if
- You are representing yourself (we cannot fund pro se cases)
- There is no documented injury or clear product liability
- 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 device failure can apply too. Not sure your case fits? Browse the other case types we fund or just apply and let underwriting take a look.
Medical Device Cases We Fund
We actively fund plaintiffs across the major medical device litigations, from individual product liability suits to the largest active mass torts. The devices we commonly fund include:
Hip and knee implants
Metal-on-metal failures, metallosis, loosening, and painful revision surgery.
Hernia mesh
Chronic pain, migration, infection, and bowel obstruction requiring revision.
Transvaginal mesh
Pelvic pain, mesh erosion, nerve damage, and repeated revision surgeries.
IVC filters
Device fracture, tilt, and component migration to the heart or lungs.
Bard PowerPort catheters
Catheter fractures, device migration, and serious internal injuries.
Breast implants and BIA-ALCL
Textured-implant lymphoma and broader breast implant illness claims.
We also fund spinal cord stimulators, pacemakers and cardiac devices, surgical staplers, bone screws and spinal fusion hardware, artificial discs, cochlear implants, and insulin pumps. Do not see your device? Apply anyway. Strong liability often matters more than the label on the file.
How FDA Regulation Shapes Your Device Case
The way a device reached the market often decides how your attorney builds the case against the manufacturer. Two regulatory paths matter most:
- 510(k) clearance. Many devices reach patients by showing they are similar to a product already on the market, without clinical trials proving they are safe. When one of these devices fails, that thin pre-market testing is often central to the claim.
- Premarket approval and federal preemption. Devices cleared through the stricter approval process can carry a preemption defense. Your attorney evaluates whether it applies and pursues theories that survive it, such as manufacturing defects or failure to meet FDA conditions.
Adverse event reports also play a major role. The FDA keeps a public record of device problems reported by manufacturers, doctors, and patients. When those reports show a company knew about a danger and failed to act or warn, they become powerful evidence. Gathering and analyzing all of this takes time and legal resources, which is part of why these cases move slowly and why funding helps you wait without financial strain.
Why Defective Medical Device Cases Take So Long
Medical device claims are among the slowest cases in personal injury law, and the reasons are exactly why financial support matters so much while you wait. The other side has time, money, and every reason to drag things out.
The first reason is the defendant. Device manufacturers are large corporations with full-time product liability defense teams. Their strategy is to challenge causation, dispute the severity of your injuries, and use every procedural tool to extend the timeline, because they know financial pressure pushes plaintiffs toward lower settlements.
The second reason is proof. Linking a specific device to your specific injuries takes expert engineers, treating physicians, and medical specialists who can project your future care. Finding, retaining, and preparing those experts is slow, detailed work, and the federal preemption defense and FDA regulatory history add another layer of legal investigation on top.
The third reason is the structure of the litigation. Most major device cases are consolidated into mass tort or multidistrict litigation, where coordinated discovery, bellwether trials, and global settlement talks unfold on a timeline no single plaintiff controls. Plaintiffs in active device MDLs have sometimes waited five or more years for an individual resolution. On top of that, many patients need revision surgery before the full extent of their damages can be documented, so attorneys often wait for the medical picture to stabilize before settling. A pre-settlement advance keeps you stable through all of it, 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 Medical Device 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+ |
Several things push the approved amount higher: the severity of your injuries, the device involved, your revision surgery history, how clear the liability is, the stage of the litigation, and the defendant’s available resources. Because serious device failures can carry permanent injuries and large damages, these claims often support sizable advances. For the pricing detail, see our breakdown of pre-settlement funding costs and fees.
See What Your Device 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.
Medical Device Loan vs Other Ways to Get Cash
When money gets tight during a long device case, 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? |
|---|---|---|---|
| Medical device 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 Patients Choose ECO for Medical Device Funding
ECO Pre-Settlement Funding has funded personal injury and product liability plaintiffs since 2010, including patients harmed by defective devices across the country. Our underwriters include former personal injury paralegals and case managers, so we read a file the way your attorney does and understand the realities these cases bring, from MDL timelines to preemption defenses and revision-surgery delays.
- 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.
- Mass tort experience. We understand MDL timelines and device settlement structures.
- 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 defective medical device lawsuit funding?
It is a cash advance based on the expected value of your pending medical device product liability 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 my case is part of a mass tort or MDL?
Yes. We fund individual plaintiffs in mass tort and multidistrict litigation, which is how most major device cases are handled. Call (800) 961-8924 to discuss where your specific case stands and what funding options are available.
Does federal preemption affect my ability to get funding?
No. Federal preemption is a legal defense your attorney handles as part of the case. It affects legal strategy, not your eligibility for funding. If your attorney is actively pursuing your claim, call us regardless of what defenses the manufacturer has raised.
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 defective medical device case?
It depends on the case value, the device involved, your revision surgery history, and how clear the liability is. Serious device injuries with large damages can support sizable advances. Call (800) 961-8924 for a free, no-obligation review and a funding estimate specific to your situation.
The Device Was Meant to Help. You Deserve the Time to Fight.
Device cases take years, and the manufacturer is counting on it. Defective medical device lawsuit funding keeps you financially stable so your attorney can build the case the way it deserves. You owe nothing if your case loses.