Florida Pre-Settlement Funding
Get cash while your Florida personal injury case settles.
Florida pre-settlement funding is a cash advance against your active personal injury claim. ECO helps Floridians pay rent, medical bills, and everyday costs while the case works through the court. You only repay if you win or settle. If the case loses, you owe nothing. That’s the part of a lawsuit advance that surprises most plaintiffs.
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ No Credit Check
Apply For Pre-settlement Funding
On this page
Who Qualifies in Florida?
Three boxes need to check before you apply. Your case has to be open. Your attorney has to be working on contingency in Florida. And the filing date has to fall inside the two-year statute of limitations. Miss any of those and the application stalls.
Active Florida Lawsuit
Your case has to be filed and open in a Florida state or federal court. We work with plaintiffs from Pensacola to Key West, across all 67 counties.
Florida Attorney on Contingency
Your attorney has to be licensed in Florida and working on a contingency fee. We talk to your law firm directly about the lawsuit advance, so you don’t get pulled into back-and-forth about paperwork.
Documented Case Merit
Clear liability and real damages drive our approval, not your credit score or pay stubs. The stronger the path to settlement, the easier the review.
Cases We Fund in Florida
We advance funds on most personal injury case types filed under Florida law.
Auto Accidents
Car, truck, motorcycle, rideshare, pedestrian, and bicycle collision claims.
Medical Malpractice
Misdiagnosis, surgical errors, birth injuries, and nursing home negligence.
Premises & Slip and Fall
Unsafe property conditions, negligent security, and inadequate maintenance.
Workplace & Construction
Third-party liability claims outside Florida workers’ compensation.
Wrongful Death
Survivor claims under the Florida Wrongful Death Act for fatal accidents.
Mass Tort & Product Liability
Defective products, dangerous pharmaceuticals, and toxic exposure claims.
Start your Florida lawsuit funding application today
Or call us toll-free at (800) 961-8924.
Florida Pre-Settlement Funding Laws and Regulations
Florida’s personal injury rules changed when House Bill 837 was signed on March 24, 2023. These rules apply to accidents on or after that date, and they affect how we review every Florida lawsuit funding request. Confirm timing with your attorney before relying on any deadline below.
Statute of Limitations for Personal Injury
- General negligence: 2 years from the date of injury [1]
- Medical malpractice: 2 years from discovery, 4 years maximum from incident
- Wrongful death: 2 years from date of death
- Product liability: 2 years from injury or discovery
HB 837 reduced the general negligence SOL from 4 years to 2 years for incidents on or after March 24, 2023.
Minimum Mandatory Auto Policy Limits
- Personal Injury Protection (PIP): $10,000 [2]
- Property Damage Liability (PD): $10,000
- Bodily Injury Liability (BI): not required by statute
Florida is a no-fault state. PIP pays first up to $10,000 regardless of fault. Florida is one of only two states that does not mandate bodily injury liability coverage.
Comparative Negligence Rule
- Modified comparative negligence with a 51% bar (post-HB 837)
- If you are found more than 50% at fault, you recover nothing
- If 50% or less at fault, your settlement is reduced by your share of fault
How the Process Works
Three steps from your first call to money in your account.
1
Apply
Fill out the short form at the top of the page or call (800) 961-8924. Most settlement advance applications take about five minutes.
2
Approval
One of our specialists calls your Florida attorney to pull case documents and review the basics. Most decisions land within 24 business hours.
3
Get Funds
Sign the agreement and the money goes out by ACH or wire. Most Florida plaintiffs see the funds inside 24 to 48 hours.
Frequently Asked Questions
Do I need to live in Florida to qualify?
No. What matters is where your lawsuit is filed, not where you live. As long as your personal injury case is in a Florida court, you can apply from anywhere in the country.
How fast can I get the money?
Most Florida plaintiffs are funded within 24 to 48 hours after approval. Approval itself usually takes one business day, once your attorney sends the case documents.
How much can I get on my case?
Advances run from $500 to $250,000+. The actual amount depends on your case value, how strong the liability is, and the settlement range your attorney expects. Most plaintiffs qualify for 10 to 20 percent of the expected settlement.
What happens if I lose my case?
Nothing comes out of your pocket. Our advances are non-recourse, which means repayment only happens if you win or settle. If the case goes the other way, you keep what you received and walk away owing zero.
Apply for a Florida lawsuit loan today
Call toll-free at (800) 961-8924.
Resources
- Florida Statutes § 95.11 (Limitations other than for the recovery of real property). Source: The Florida Senate, flsenate.gov.
- Florida Insurance Requirements. Source: Florida Department of Highway Safety and Motor Vehicles, flhsmv.gov.