Minnesota Pre-Settlement Funding
Six years to build your case. Funding to keep you covered while you do.
Minnesota gives personal injury plaintiffs more time to develop a strong case than almost any state in the country. The six-year negligence statute under M.S. § 541.05 means attorneys can be methodical. Medical records can develop, liability can solidify, and settlement leverage can build. But monthly bills don’t pause while the case does. Minnesota pre-settlement funding advances cash against your active personal injury claim on a non-recourse basis. A lawsuit advance puts money in your account now, without credit checks or income requirements. If your case doesn’t recover, you owe nothing.
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ No Credit Check
Apply For Pre-settlement Funding
On this page
Minnesota Qualification Requirements
Three conditions determine whether a Minnesota funding application moves to underwriting. The case must be a personal injury action actively filed in Minnesota. Your attorney must be working it on contingency. And the filing must sit inside Minnesota’s statute of limitations. When those align, underwriting builds an offer based on liability, damages, and coverage.
Active Minnesota Filing
A personal injury case actively filed in Minnesota District Court, Hennepin County Court (Minneapolis), Ramsey County Court (St. Paul), or the federal District of Minnesota. Our funding covers plaintiffs across all 87 Minnesota counties.
Minnesota Contingency Attorney
Your attorney holds a Minnesota Bar license and is handling the case on a contingency fee. All funding documentation moves between our team and your law firm. The applicant signs the final agreement and provides basic case information.
Solid Underwriting Profile
Documentable liability, real damages on the record, and a defendant with accessible insurance or assets. Credit score, employment status, and personal income are not part of the funding decision at any stage.
Cases We Fund in Minnesota
Six categories cover the Minnesota personal injury filings we fund most often. Each file goes through individual underwriting on liability, coverage, and damages.
Auto Accidents
I-35W and I-494 corridor crashes, Twin Cities metro and suburban Hennepin and Ramsey County incidents, hit-and-run cases, and underinsured motorist claims for plaintiffs who have cleared Minnesota’s $4,000 no-fault threshold.
Premises & Slip and Fall
Winter ice and snow incidents at commercial properties, Mall of America and major retail center premises claims, apartment complex security failures, and negligent property maintenance cases across Minnesota.
Medical Malpractice
Surgical errors and diagnostic failures at Mayo Clinic (Rochester), M Health Fairview, Allina Health, and Twin Cities hospital networks; birth injury claims; nursing home neglect under Minnesota’s 4-year med mal statute.
Workplace & Mining
Iron Range taconite and mining injuries, warehouse and assembly injuries in Twin Cities industrial corridors, agricultural equipment incidents in southern Minnesota, and third-party claims outside workers’ compensation.
Product Liability
3M Company PFAS and defective product claims, pharmaceutical and medical device MDL filings, defective vehicle cases, and toxic exposure litigation tied to Minnesota’s manufacturing and industrial sectors.
Wrongful Death & Dram Shop
Wrongful death actions under M.S. § 573.02, dram shop liability claims under Minnesota’s liquor liability statute (M.S. § 340A.801), and mass tort filings in the District of Minnesota federal court.
Minnesota Pre-Settlement Funding Laws and Regulations
Minnesota is a no-fault auto insurance state with mandatory split PIP coverage, but plaintiffs can sue for non-economic damages once specific injury thresholds are cleared. The state’s personal injury statute of limitations is among the longest in the country at six years. Modified comparative fault at the 50 percent bar governs most tort claims. Each Minnesota lawsuit funding decision works within these rules. Confirm the specific deadlines for your case type with your attorney before relying on the figures below.
Statute of Limitations for Personal Injury
- General negligence / personal injury: 6 years under M.S. § 541.05, subd. 1 — one of the longest personal injury windows in the country [1]
- Medical malpractice: 4 years from the act or 2 years from discovery (whichever is later); 7-year absolute repose under M.S. § 541.076
- Wrongful death: 3 years from the date of death under M.S. § 573.02
- Dram shop claims: 2 years under M.S. § 340A.801
Minnesota medical malpractice includes a 7-year absolute repose period and a discovery rule for late-presenting injuries. Dram shop and liquor liability claims carry their own 2-year deadline under M.S. § 340A.801, separate from the general negligence statute.
Minimum Auto Insurance Limits
- Bodily Injury Liability (BI): $30,000 per person / $60,000 per accident [2]
- Property Damage Liability (PD): $10,000
- No-fault PIP: $40,000 for medical and rehabilitation expenses + $20,000 for income loss and replacement services (M.S. § 65B.44)
- Uninsured / Underinsured Motorist (UM/UIM): Required
Minnesota’s split PIP structure provides $40,000 for medical and rehabilitation expenses and a separate $20,000 for income loss and replacement services. To sue for non-economic damages beyond PIP in an auto case, the plaintiff must show medical expenses exceeding $4,000, 60 or more days of disability, permanent injury, permanent disfigurement, or death under M.S. § 65B.51.
Comparative Fault Rule
- Modified comparative fault with a 50 percent bar under M.S. § 604.01
- If plaintiff’s fault exceeds defendant’s fault (greater than 50%), recovery is barred
- At exactly 50/50 fault, the plaintiff can still recover with a 50% reduction in damages
- Below 50% fault, damages are reduced proportionally by the plaintiff’s fault share
Minnesota Funding Application Timeline
Most Minnesota files move from application to funded account in 24 to 48 hours.
1
Submit Application
Fill out the form at the top of this page or call (800) 961-8924 to start by phone. Minnesota applications take under five minutes to complete.
2
Document Collection
Our underwriting team contacts your Minnesota attorney to gather case documents. The file goes through review on liability, coverage, and damages. Most decisions come back the same business day or next.
3
Funds Transferred
Once the funding agreement is signed by you and your attorney, the ACH goes out. Most Minnesota plaintiffs see the deposit hit their account within 24 hours of execution.
Minnesota Plaintiff FAQ
How does Minnesota’s no-fault threshold work for lawsuit funding eligibility?
Minnesota PIP pays first through the split no-fault system. To sue for pain and suffering beyond PIP, your medical expenses must exceed $4,000, or you must meet another qualifying threshold like 60 days of disability, permanent injury, disfigurement, or death. We fund cases that have cleared that threshold and are pursuing tort damages from the at-fault party.
Why does Minnesota’s 6-year statute of limitations matter for funding?
A longer litigation window means Minnesota plaintiffs may carry financial pressure for more months while their case develops to its full value. A lawsuit advance from ECO fills that gap during a longer timeline without forcing an early, undervalued settlement. The six-year window benefits plaintiffs who can hold out for a fair recovery.
Do Minnesota dram shop cases qualify for pre-settlement funding?
Yes. Dram shop claims under M.S. § 340A.801 are fundable when liability is documented and the defendant establishment has insurance or assets. Note the separate 2-year SOL for liquor liability claims. Applying early on these cases gives us more flexibility to structure a useful offer.
What if my Minnesota case settles for less than expected?
Repayment is limited to the actual settlement proceeds and the terms in your funding agreement. A defense verdict, dismissal, or no-recovery outcome ends the obligation entirely. The advance already in your account stays with you regardless of outcome.
Resources
- M.S. § 541.05, subd. 1 (Minnesota six-year statute of limitations for personal injury). Source: Minnesota Legislature, revisor.mn.gov.
- Minnesota No-Fault Auto Insurance Requirements (M.S. § 65B.44). Source: Minnesota Department of Commerce, mn.gov/commerce.