Missouri Pre-Settlement Funding

Kansas City to St. Louis and every county between. Funding while your Missouri case builds.

Missouri personal injury law gives plaintiffs a five-year window to develop claims toward maximum value under RSMo § 516.120. The state has no mandatory PIP coverage, so liability disputes drive the timeline from the first filing. Pure comparative fault means even a plaintiff with partial fault assigned can still recover — damages are reduced proportionally, not eliminated. From the I-70 corridor connecting Kansas City and St. Louis to the Missouri River industrial belt and the agricultural counties between them, personal injury cases statewide often take well over a year to reach resolution. Missouri pre-settlement funding advances cash against your active claim on a non-recourse basis. A Missouri lawsuit advance covers rent, medical bills, and daily costs during a long case. No win means no repayment.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Missouri Qualification Requirements

Three things have to be in place before a Missouri funding application reaches underwriting. The case must be a personal injury action actively filed in Missouri. Your attorney must be handling it on a contingency fee. And the filing must sit inside Missouri’s applicable statute of limitations. When all three check out, underwriting builds an offer based on liability, damages, and available coverage.

Filed Missouri Action

A personal injury case actively filed in Missouri Circuit Court, the City of St. Louis Circuit Court, or the Eastern or Western Districts of Missouri (federal). Our funding covers plaintiffs across all 115 Missouri counties plus the independent City of St. Louis.

Missouri Bar Contingency Attorney

Your attorney must be licensed in Missouri and working the case on a contingency fee. All funding documentation moves between our team and your law firm. The applicant provides basic case details and executes the final funding agreement.

Documentable Liability

Provable fault on the other party, real documented damages, and a defendant with insurance coverage or collectible assets. Personal income, credit history, and employment status play no part in the underwriting review.

Case Types We Fund in Missouri

Six categories cover the Missouri personal injury filings we fund most often. Each goes through individual underwriting on liability, coverage, and damages.

Auto Accidents

I-70 corridor crashes between Kansas City and St. Louis, urban and suburban incidents in Jackson County and St. Louis City, highway accidents on I-44 and I-64, and underinsured motorist claims statewide.

Mass Tort & Product Liability

Monsanto/Bayer Roundup (glyphosate) MDL filings, pharmaceutical product liability claims, medical device defect cases in Missouri federal courts, and agricultural chemical exposure claims from Missouri’s farming belt.

Premises & Slip and Fall

Commercial property claims in Kansas City and St. Louis, casino and entertainment venue incidents on the Missouri side of the state line, Gateway Arch National Park premises claims, and retail and warehouse injuries statewide.

Workplace & Industrial

Chemical and manufacturing plant injuries along the Missouri River industrial corridor, agricultural equipment and farm injuries in central and southern Missouri, construction site accidents in Kansas City and St. Louis development zones, and third-party claims outside workers’ compensation.

Medical Malpractice

Surgical errors at Barnes-Jewish Hospital and Washington University Medical Center (St. Louis), Saint Luke’s and University of Kansas City Health (Kansas City), birth injury claims, and diagnostic failures under Missouri’s 2-year med mal statute.

Taxi & Shuttle Crashes

Immediate settlement advances for injuries sustained in taxi cab, airport shuttle, and private transit collisions in St. Louis and Kansas City.

Get your Missouri lawsuit funding moving today

Get Started

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

Missouri Pre-Settlement Funding Laws and Regulations

Missouri is an at-fault auto state with no mandatory PIP, meaning liability disputes set the pace from day one. A five-year general statute of limitations gives plaintiffs more time than most states to develop cases, but a separate two-year statute applies to medical malpractice claims specifically. Pure comparative fault means no fault percentage bars recovery. Each Missouri lawsuit funding decision works within these rules. Confirm the specifics for your case type with your attorney before relying on the data below.

Statute of Limitations for Personal Injury

General negligence / personal injury: 5 years under RSMo § 516.120 ^[1]
Medical malpractice: 2 years from the date of the negligent act or from the date the plaintiff first had knowledge under RSMo § 516.105
Wrongful death: 3 years from the date of death under RSMo § 537.100
Product liability: 5 years from injury under RSMo § 516.120

Missouri runs two separate SOL tracks: 5 years for general negligence and 2 years for medical malpractice. Missing the med mal deadline is not cured by the longer general statute. Government claims against Missouri state entities are governed by the Missouri Sovereign Immunity Act (RSMo § 537.600 et seq.) and may require advance notice.

Minimum Auto Insurance Requirements

Bodily Injury Liability (BI): $25,000 per person / $50,000 per accident ^[2]
Property Damage Liability (PD): $10,000
Uninsured / Underinsured Motorist (UM/UIM): Required at minimum BI limits
Personal Injury Protection (PIP): Not required — Missouri is an at-fault state

Missouri does not require personal injury protection coverage. Injured plaintiffs pursue the at-fault driver’s liability policy or their own UM/UIM coverage when the at-fault driver is uninsured or underinsured. Missouri’s uninsured motorist rate runs around 14% statewide, with higher concentrations in urban St. Louis and Kansas City corridors.

Comparative Fault Rule

Pure comparative fault — adopted by the Missouri Supreme Court in Gustafson v. Benda (1983)
No fault percentage bars recovery in Missouri
Damages are reduced in direct proportion to the plaintiff’s assigned fault share
A plaintiff found 80% at fault may still recover 20% of proven damages

How to Apply for Missouri Pre-Settlement Funding

Most Missouri files move from application to funded account in 24 to 48 hours.

File the Application

Submit case details through the form at the top of this page or call (800) 961-8924 to start by phone. Missouri applications take under five minutes to complete.

Attorney Coordination

Our underwriting team contacts your Missouri attorney to gather case documents. The file is reviewed on liability, coverage, and damages. Most decisions come back same day or next business day.

Funds Released

Once you and your attorney sign the funding agreement, the ACH goes out. Most Missouri plaintiffs see the deposit within 24 hours of execution.

Missouri Plaintiff FAQ

How does Missouri’s 5-year personal injury statute affect lawsuit funding?

A longer filing window gives Missouri plaintiffs more time to develop cases toward full value before settling. The tradeoff is that bills keep coming during a longer litigation timeline. A Missouri lawsuit advance covers those costs while your attorney builds the strongest possible case, without forcing an early settlement to stay financially afloat.

Does Missouri’s pure comparative fault help plaintiffs get funded?

It does on cases where the plaintiff carries some fault. Pure comparative fault means partial liability on the plaintiff’s side doesn’t eliminate the case value. We can fund Missouri cases with partial plaintiff fault assigned as long as the projected recovery on the defendant’s share of liability supports the advance amount.

Can Roundup and agricultural chemical exposure cases get funded in Missouri?

Yes. Monsanto/Bayer Roundup MDL cases and other agricultural chemical exposure claims actively in litigation qualify when a contingency attorney is on the file and liability is documentable. Mass tort filings go through the same non-recourse underwriting structure as individual personal injury claims. Missouri is one of the most active jurisdictions for these cases.

What if my Missouri case doesn’t recover?

Nothing comes out of your pocket. Missouri pre-settlement funding is non-recourse. A defense verdict, dismissal, or no-recovery outcome ends the repayment obligation entirely. The advance already deposited stays with you.

Submit your Missouri lawsuit loan paperwork today