Workers Compensation Pre-Settlement Funding
Workers Compensation Lawsuit Loans
Hurt on the job and waiting on your claim? Get cash now against your pending workers comp or third-party case. No credit check, and you owe nothing if you lose.
Decisions in 24 hours · No credit check · No job verification · Owe nothing if you lose
Cash while you heal
Funding sized to your case strength and likely recovery, sent straight to you.
Decision in 24 hours
Apply today and hear back 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 status, income, and credit never factor in.
What Are Workers Compensation Lawsuit Loans?
A workers compensation lawsuit loan is a cash advance tied to your pending workplace injury claim, whether that is a workers comp claim, a related third-party personal injury lawsuit, or both. It is not a bank loan. We advance money based on the expected value of your case, and repayment comes straight out of your settlement when it arrives, not from your savings or your paycheck. If your case does not pay out, the advance is forgiven and you keep every dollar you received.
You will also hear it called workers comp pre-settlement funding, a workplace injury lawsuit advance, injured worker legal funding, or non-recourse workers compensation funding. They all describe the same thing. There are no monthly payments and no credit requirements, because we look at your case, not your finances. That matters for injured workers in particular, because your paycheck often stops long before your claim resolves.
The money is yours to use for whatever you need most, from rent and groceries to medical costs and transportation to appointments. For the full mechanics, see our guide on how pre-settlement funding works, or explore our broader personal injury loans.
How Workers Compensation Funding Works
You are already dealing with enough. We kept the process simple and handle the case side with your attorney, so most clients go from application to funds in two to three business days.
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 any third-party claim. 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 Workers Compensation Funding?
Approval comes down to three things: an attorney representing you, clear liability or a compensable workplace injury, and documented treatment backed by medical records. It does not matter whether your recovery comes through a workers comp claim, a third-party lawsuit, or both. If your attorney believes the case has a likely recovery, we can usually make a funding decision within 24 hours.
You usually qualify if
- An attorney is handling your workplace injury case
- You have a pending workers comp claim or a related third-party lawsuit
- You got medical treatment for the injury and it is documented
- Your case has not settled or been dismissed yet
You will not qualify if
- You are representing yourself (we cannot fund cases without an attorney)
- There is no compensable claim or clear liability
- You already accepted a final settlement offer in writing
- The filing deadline in your state has already passed
Not sure your case fits? Even disputed workers comp claims can qualify depending on the strength of the file. Browse the other case types we fund or just apply and let underwriting take a look.
Workplace Injury Cases We Fund
Workplace injuries happen across every industry, and many involve a negligent party beyond the employer. If you were hurt on the job and have an attorney, there is a strong chance we can help. The cases we commonly fund include:
Construction site injuries
Falls, scaffold collapses, and equipment accidents, often with a third-party contractor at fault. See our construction accident funding.
Oilfield and industrial
Energy sector, refinery, and heavy industry accidents with serious injuries.
Warehouse and distribution
Forklift accidents, falling stock, and repetitive-motion injuries.
Manufacturing and factory
Machine injuries, crush accidents, and harm from defective equipment.
Transportation and delivery
Drivers and delivery workers hurt in on-the-job crashes and loading accidents.
Slip, fall, and repetitive stress
Workplace falls and occupational injuries. See our slip and fall funding.
We also fund healthcare worker injuries, defective-equipment claims, and injuries caused by a negligent subcontractor on site. If your case looks unusual, apply anyway. Strong liability often matters more than the label on the file.
Third-Party Claims and Why They Change Everything
Many injured workers do not realize they may have more than one claim after a workplace accident, and this is the single most important thing to understand about workers compensation funding. Workers comp benefits are capped by law and usually replace only a portion of your lost wages. A third-party personal injury lawsuit is not capped the same way, and it can recover far more, including pain and suffering that workers comp does not pay at all.
A third-party claim exists when someone other than your employer helped cause your injury. Common examples include:
- A defective machine or tool made by an outside manufacturer
- A negligent subcontractor or another crew on a shared job site
- A delivery driver or outside vehicle operator who struck you at work
- A property owner whose unsafe conditions contributed to the accident
ECO funds both workers comp claims and related third-party lawsuits. Because a third-party case can carry a much larger recovery, it often supports a larger advance. If your workplace accident involves both, we can help regardless of which claim is further along.
Why Workers Compensation Claims Take So Long to Resolve
This is one of the most common frustrations we hear from injured workers. The honest answer is that the workers compensation system was never built for speed, and the delay works against you financially while your bills keep arriving.
The insurer investigates first. After a workplace injury is reported, the carrier on your employer’s policy runs its own investigation, reviewing medical records, interviewing witnesses, and assessing liability before making decisions. That step alone can stretch across weeks or months.
Your treatment has to be documented fully. Your attorney cannot value the claim accurately until your condition stabilizes, a point doctors call maximum medical improvement. Settling before then almost always leaves the cost of future care on the table, so a careful attorney will wait.
Disputes are common. Workers comp insurers frequently challenge whether an injury is truly work-related, whether treatment is medically necessary, or whether a disability rating is accurate. Every dispute adds time, and each one is a chance for the insurer to pressure you toward a lower number.
Third-party lawsuits run on their own clock. When a separate at-fault party is involved, that case moves through the civil courts alongside your comp claim, adding complexity and extending the overall timeline. The other side is well funded and well represented, and delay is the pressure they count on. A pre-settlement advance removes that pressure by keeping your finances stable, so your attorney can hold out for a fair outcome instead of a fast one.
How Much Can You Get on a Workplace Injury Case?
Approved advances usually land between 10% and 20% of the expected net recovery. 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 whether a third-party claim is in play. Because a third-party lawsuit is not capped like workers comp benefits, cases with a strong third-party angle 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.
Workers Comp Loan vs Other Ways to Get Cash
When money gets tight while you are out of work, 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? |
|---|---|---|---|
| Workers comp 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 award. If the claim is denied, 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 Workers Choose ECO
ECO Pre-Settlement Funding has funded injured plaintiffs since 2010, including workers hurt on the job across the country. Workers comp and third-party cases require specific experience and patience, and we have both. 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.
- Third-party claim coverage. We fund both workers comp and related injury lawsuits.
- 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 workers compensation lawsuit loans?
They are cash advances based on the expected value of your pending workers comp claim or related third-party personal injury lawsuit. You repay from your settlement only if your case pays out. If it does not, you owe nothing. There are no monthly payments and no credit checks.
Can I get funding if my workers comp claim is being disputed?
Often yes. Disputed claims take longer to resolve but may still qualify depending on the strength of your case. Call (800) 961-8924 and we will review the situation directly with your attorney.
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.
Can I get funding for both my workers comp claim and a third-party lawsuit?
Yes. ECO funds both workers compensation claims and related third-party personal injury lawsuits. If your workplace accident involves both, call us to discuss your options. A strong third-party claim can often support a larger advance.
How fast does ECO fund workers compensation cases?
Most decisions come within 24 hours of our team speaking with your attorney. Once approved, funds are typically sent the same day or the next business day.
You Were Hurt on the Job. Your Bills Will Not Wait.
Workers comp cases take time, and the insurer counts on that pressure. Workplace injury funding keeps you financially stable so your attorney can hold out for full and fair compensation. You owe nothing if your case loses.