Pre-Settlement Funding Calculator

The pre-settlement funding calculator above gives you a fast, no-obligation estimate of the cash advance you may qualify for against a pending injury case. Enter your estimated case value and the tool applies the same rule of thumb funders use every day: a pre-settlement advance is typically about 10 to 20 percent of what your case is expected to be worth, up to a maximum advance of $250,000. It is funding, not a loan, and it is non-recourse, so you only repay if you win.

How your advance amount is determined

Your advance is based on the projected value of your settlement, not your credit or income. A funder reviews your case with your attorney, estimates a likely recovery, and offers a portion of it as cash today. The calculator models this by taking your estimated case value and returning a range from 10 percent (a conservative advance) to 20 percent (a more aggressive advance). Most approved advances land inside that band. The strength of your liability, the clarity of your damages, and how far along your case is all move you toward the higher or lower end.

What affects your advance

• Liability. Clear fault on the other side means a stronger case and a larger advance.
• Damages and treatment. Documented injuries, medical bills, and lost wages raise your expected recovery.
• Insurance and policy limits. The available coverage caps what your case can realistically pay out.
• Stage of the case. Cases closer to settlement carry less risk, which can support a higher advance.
• Attorney cooperation. Funders work directly with your law firm, so an engaged attorney speeds approval.

Why the range is about 10 to 20 percent of case value

Funders keep advances well below the expected settlement so there is room left for attorney fees, medical liens, and the funding fee itself, and so you still walk away with the majority of your recovery. Advancing 10 to 20 percent protects that cushion while still putting meaningful cash in your hands now. Advancing more than that would risk leaving you with little at the end, which responsible funders avoid. To understand how the fee side works over time, read our full breakdown of pre-settlement funding costs and fees and our honest take on whether pre-settlement funding is worth it.

Non-recourse funding: you only repay if you win

Pre-settlement funding is non-recourse. That means repayment comes only out of your settlement or verdict. If your case does not recover, you owe nothing, and there is nothing to pay back out of pocket. That is the core difference between an advance and a traditional loan: the funder takes on the risk of your case, which is also why approval depends on the case rather than your credit score. There is no credit check and no monthly payment while your case is pending.

Case types we fund

ECO advances funds across the personal injury cases that settle most reliably. If your case is one of these, run your number through the calculator and then apply for a real offer:

• Car accident funding — rear-end, intersection, and multi-vehicle crashes.
• Truck accident funding — commercial and 18-wheeler collisions with higher policy limits.
• Personal injury funding — the broad category covering most accident and negligence claims.
• Premises liability funding — slip and fall and unsafe-property injuries.
• Medical malpractice funding — misdiagnosis, surgical, and treatment errors.
• Workers’ compensation funding — job-site and occupational injury claims.

See every case type on the lawsuit funding hub, or check availability and rules in your state on the states we serve page.