Slip and Fall Pre-Settlement Funding
Slip and Fall Accident Loans
Get cash now against your pending slip and fall 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 Slip and Fall Accident Loans?
A slip and fall accident loan is a cash advance tied to your pending premises liability lawsuit. 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 a slip and fall lawsuit loan, premises liability funding, a slip and fall settlement advance, or non-recourse legal funding. 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 browse all personal injury loans.
How Slip and Fall 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 your fall. 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 a Slip and Fall Loan?
Approval comes down to three things: an attorney representing you on contingency, clear liability against the property owner, and documented injuries backed by medical records. Clear liability and documented injuries are the two biggest factors. If your attorney believes your case is strong, we can usually move quickly.
You usually qualify if
- An attorney is handling the case on a contingency fee
- A property owner or business was mostly at fault, and it is documented
- You got medical treatment within a reasonable time after the fall
- 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
Not sure your case fits? You do not need to figure that out alone. Browse the other case types we fund or just apply and let our underwriting team take a look at no cost.
Slip and Fall Cases We Fund
Most falls trace back to a hazard a property owner should have fixed or warned about. The cases we commonly fund include:
Spills in stores and restaurants
Water, oil, or spilled product left on the floor without a warning sign.
Ice and snow on walkways
Un-cleared sidewalks, entrances, and parking lots after a storm.
Broken stairs and handrails
Loose steps, missing railings, and poorly built stairways that give way.
Uneven or defective flooring
Cracked tile, torn carpet, and bunched rugs that catch a foot.
Poor lighting and hidden hazards
Dark stairwells and garages where a hazard cannot be seen in time.
Public buildings and bathrooms
Wet restroom floors, leaks, and unmarked obstacles in shared spaces.
We also fund falls in apartment complexes, hotels, parking garages, and on defective public sidewalks and roads. If your case looks unusual, apply anyway. Strong liability often matters more than where the fall happened.
Why Slip and Fall Injuries Create Urgent Bills
A fall can sound minor until you live through the recovery. Older adults are especially at risk, but a hard landing hurts anyone, and the injuries are often serious enough to keep you out of work for weeks or months:
- Broken hips, wrists, arms, and ankles
- Head trauma and concussions
- Spinal and back injuries
- Dislocations, torn ligaments, and deep sprains
- Soft-tissue damage that needs months of therapy
Surgery, rehab, and time off work add up fast, and many people cannot earn while they heal, which stacks lost income on top of medical bills. The insurance company for the property owner knows exactly how much pressure that creates, and they use it to push you toward a faster, lower settlement. Pre-settlement funding takes that pressure away.
Why Proving a Slip and Fall Case Takes Time
Here is what many people do not realize going into a slip and fall claim. Winning is not just about showing you were hurt. Your attorney has to prove the property owner knew, or should have known, about the hazard and failed to fix it or warn you. That single point, called notice, is where most premises liability cases are won or lost, and it is exactly why these cases drag on.
Building that proof takes work. Your attorney may need surveillance footage, maintenance and inspection logs, incident reports, witness statements, and sometimes an expert to testify about safety standards. Property owners and their insurers fight hard on these points, often arguing the hazard was obvious or that you were partly at fault. Countering that narrative is slow, and 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 discounted offer just to pay this month’s bills.
How Much Can You Get on a Slip and Fall Case?
Approved advances usually land between 10% and 20% of the expected net settlement. Take a case worth $100,000 with $40,000 going to legal fees and costs. The net is $60,000, so a reasonable advance falls around $6,000 to $12,000. Here is how that plays out across common case sizes:
| Estimated case value | Net after fees & costs | Typical advance range |
|---|---|---|
| $25,000 | ~$15,000 | $1,500 to $3,000 |
| $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+ |
Four things push the approved amount higher: the severity of your injuries, how clear the liability is, the size of the property owner’s insurance, and how close the case is to settlement. Serious falls that lead to surgery or lasting damage can 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.
Slip and Fall Loan vs Other Ways to Get Cash
When money gets tight during recovery, most injured 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? |
|---|---|---|---|
| Slip and fall 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 Injured Plaintiffs Choose ECO
ECO Pre-Settlement Funding has funded injured plaintiffs since 2010, including thousands of slip and fall claimants 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 slip and fall accident loans?
They are cash advances based on the expected value of your slip and fall 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.
Who qualifies for a slip and fall cash advance?
You qualify if you have a pending slip and fall lawsuit, an attorney representing you on a contingency fee, and documented injuries with clear liability against the property owner. We review the case, not your credit or income.
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 fast 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.
Will funding affect my slip and fall lawsuit?
No. Pre-settlement funding has no impact on your case or your attorney’s strategy. Your attorney keeps full control, and everything proceeds exactly as planned. The funder is a passive financial party.
Stop Letting Bills Make Your Legal Decisions
Every day that financial pressure builds is another day the insurance company gains leverage. A slip and fall accident loan keeps you stable long enough for your attorney to fight for every dollar you deserve. You owe nothing if your case loses.