Georgia Pre-Settlement Funding

After Georgia’s 2025 tort reform, smart plaintiffs need staying power.

Georgia plaintiffs are now negotiating against a defense bar that just got a new set of tools. Senate Bills 68 and 69 changed the rules of personal injury litigation last year, and most insurance carriers are pushing harder for early settlements as a result. Georgia pre-settlement funding gives you the financial room to outlast that pressure. We advance cash against your active claim, repayable only if you win or settle. A defense verdict erases the obligation. A lawsuit advance buys negotiating room you wouldn’t have otherwise.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Approval Standards for Georgia Plaintiffs

Three conditions need to hold before our team will issue a funding offer. The case has to be an active personal injury action filed in Georgia, your attorney has to be working it under a contingency arrangement, and the deadline under O.C.G.A. § 9-3-33 has to still leave time on the clock. Anything missing parks the application until it is resolved.

Georgia Action in Court

A personal injury suit currently pending in Georgia State Court, Superior Court, or one of the three federal districts within the state. We fund plaintiffs across all 159 counties, with heavy intake from the Atlanta metro area down through Savannah and Augusta.

Bar-Licensed Counsel

Your attorney has to be a member in good standing of the State Bar of Georgia, taking the case on a contingency basis. We work the lawsuit advance details with your law firm so the back office paperwork never crosses your desk.

Case Worth Underwriting

Liability evidence that holds up under scrutiny, documented damages, and a defendant who can actually pay. That is the underwriting trio. Your credit history, income, and employment status do not enter the decision.

Georgia Personal Injury Categories We Fund

Most Georgia personal injury filings sort into six categories. Each one runs through the same underwriting process, with case-specific adjustments where the facts demand it.

Auto Accidents

Atlanta freeway collisions, semi-truck crashes on I-75 and I-285, rideshare driver wrecks, and pedestrian injuries in dense urban districts.

Medical Malpractice

Surgical complications, ER diagnostic failures, birth injury cases, and elder care neglect at long-term care facilities.

Premises & Slip and Fall

Slip and fall claims at retail chains, premises security failures in apartment communities, and incidents at amusement parks and event venues.

Workplace & Industrial

Trucking and warehouse injuries, manufacturing accidents, and third-party negligence claims that exist alongside Georgia workers’ compensation.

Wrongful Death

Representative actions under O.C.G.A. § 51-4-2 following a fatal injury caused by another party’s negligence.

Mass Tort & Product Liability

MDL plaintiffs in pharmaceutical and defective product litigation, plus environmental contamination cases with Georgia venue.

Secure Georgia lawsuit funding while your case is open

Get Started

Or call us toll-free at (800) 961-8924.

Georgia Pre-Settlement Funding Laws and Regulations

Georgia’s tort framework shifted significantly with Senate Bills 68 and 69, both signed in April 2025. The state still runs modified comparative negligence with a 50 percent bar, but new rules around phantom damages, premises liability defenses, and litigation funding disclosure have changed how cases get valued. Each Georgia lawsuit funding decision reflects these specifics, so verify timing and current law with your attorney before relying on numbers below.

Statute of Limitations for Personal Injury

General negligence: 2 years from the date of injury under O.C.G.A. § 9-3-33 ^[1]
Medical malpractice: 2 years from injury, 5-year statute of repose
Wrongful death: 2 years from the date of death
Product liability: 2 years from injury or reasonable discovery

Georgia’s medical malpractice 5-year statute of repose cuts off claims completely after that window, regardless of when the injury was discovered. State government claims need notice within 12 months under O.C.G.A. § 50-21-26, while municipal claims tighten that to 6 months under O.C.G.A. § 36-33-5.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability (BI): $25,000 per person / $50,000 per accident ^[2]
Property Damage Liability (PD): $25,000
Personal Injury Protection (PIP): not required

Georgia is a fault-based tort state. Uninsured motorist coverage has to be offered by carriers but can be rejected in writing. Roughly 12 percent of Georgia drivers are uninsured, slightly above the national average. Atlanta and the surrounding metro produce some of the highest auto accident rates in the country.

Comparative Negligence Rule

Modified comparative negligence with a 50 percent bar under O.C.G.A. § 51-12-33
If you are 50 percent or more at fault, recovery is barred completely
If less than 50 percent at fault, the damages award is reduced by your share

Georgia Funding Timeline

From application to deposit, the typical Georgia file moves through funding inside 24 to 48 hours.

Case Submission

Submit case basics through the form above or call (800) 961-8924 to start by phone. Most Georgia applications take under five minutes from start to finish.

Attorney Coordination

Our team reaches out to your Georgia attorney for case documents. Once we have liability, damages, and coverage information, the file moves to underwriting. Decisions typically come back the same business day or the next.

Money Sent

After both you and your attorney sign the funding agreement, the wire goes out by ACH or direct deposit. Most Georgia plaintiffs see funds in their account within 24 hours of execution.

Georgia Plaintiff Frequently Asked Questions

Does Georgia’s 2025 tort reform affect my eligibility?

Eligibility itself didn’t change. SB 68 altered how some damages get presented at trial, and SB 69 added disclosure requirements for litigation funding. Neither rule bars plaintiffs from getting pre-settlement funding. The disclosure piece is handled at the attorney level if the case proceeds to litigation.

What’s the difference between Georgia state and superior court?

Georgia State Courts handle civil cases up to specific dollar thresholds and have jurisdiction over most personal injury filings. Superior Courts handle higher-value civil cases and felony criminal matters. We fund cases in either court. The court matters less than the underlying case strength.

How does the 50 percent fault rule affect my funding?

Under Georgia’s modified comparative negligence rule, you can’t recover damages if you’re found 50 percent or more at fault. We weigh fault exposure during underwriting, so cases with strong liability evidence get funded easier than ones where shared fault is a real issue.

What happens if my case fails at trial?

Nothing comes out of your pocket. The funding is non-recourse, meaning repayment depends entirely on a recovery. If you lose at trial, get dismissed, or otherwise don’t collect, the funding obligation ends. The cash you already received stays with you.

Initiate your Georgia lawsuit loan request