New York Pre-Settlement Funding
From a scaffold fall in Manhattan to a subway platform injury in Brooklyn. Non-recourse cash while your case moves through the courts.
New York courts are some of the most congested in the country. A personal injury case in Kings County, the Bronx, or Queens can sit on the docket for three or four years before it resolves. Meanwhile rent is due, medical bills arrive, and lost wages add up. New York pre-settlement funding bridges that wait. It’s a non-recourse cash advance against your active personal injury claim. You repay only when the case settles or wins at trial. If it doesn’t, you keep the money and owe nothing. We fund plaintiffs across all five boroughs, Long Island, the Hudson Valley, and upstate from Buffalo to Albany, on every type of injury case.
✓ No Win, No Repayment
✓ $500 to $250,000+
✓ All NY Case Types
Apply For Pre-settlement Funding
On this page
Who Qualifies in New York
New York lawsuit funding is open to any plaintiff with an active personal injury case in the state, a lawyer working on contingency, and a claim still inside the statute of limitations. That’s the starting point. After that, underwriting looks at the liability picture, the insurance or assets behind the defendant, and how well your injuries are documented. We never check your credit, your job, or your bank balance. New York runs on pure comparative negligence, so sharing part of the blame won’t knock you out of the running. The advance is sized against what your case is realistically expected to recover, which is why your attorney’s read on the file carries weight. Everything else is open.
Active New York Filing
A personal injury case filed in a New York State Supreme Court or in one of the federal districts, including the Southern and Eastern Districts that cover the city. We fund plaintiffs in all 62 counties, from the five boroughs and Long Island to the Capital Region, the Southern Tier, and Western New York.
Contingency Attorney
You’re represented by a New York-licensed attorney handling the case on contingency. Underwriting coordinates with the firm to pull the records it needs. If you live out of state but were injured in New York, you still qualify as long as a New York attorney is on the matter.
Documented Damages
Fault that points to the other side, medical records that back up the injury, and a defendant with reachable insurance or assets. Because New York uses pure comparative negligence, a plaintiff who carries some share of fault can still hold a fundable case depending on the size of the damages.
Personal Injury Cases We Fund in New York
A dense state with strong worker protections and crowded streets produces injury claims you won’t see everywhere. These are the six case types our team sees most across New York.
Construction and Labor Law Injuries
Falls from scaffolds, ladders, and heights covered by New York’s Labor Law Sections 240 and 241, which put strict liability on owners and general contractors for gravity-related job site injuries. These cases run through Manhattan high-rises, Brooklyn and Queens development, and infrastructure work statewide, often alongside a separate workers’ comp claim.
Serious Injury Auto Cases
Car, truck, and motorcycle crashes serious enough to break past New York’s no-fault threshold, allowing a lawsuit for pain and suffering. These run across the Long Island Expressway, the Thruway, Cross Bronx, and city streets, where high traffic volume produces a steady stream of qualifying injury claims.
Subway, Bus, and Transit Injuries
Platform falls, bus collisions, and station injuries tied to the MTA, NYC Transit, and the Long Island and Metro-North railroads. Claims against public transit authorities carry tight notice deadlines, so these files move on a clock from day one.
Pedestrian and Cyclist Accidents
Pedestrians and cyclists struck at intersections, in crosswalks, and in bike lanes across all five boroughs and the busier suburbs. With foot and bike traffic this heavy, these crashes often leave catastrophic injuries and clear liability against the driver.
Medical Malpractice
Surgical mistakes, missed diagnoses, and birth injuries at the major hospital systems, from NewYork-Presbyterian, Mount Sinai, and NYU Langone in the city to academic medical centers in Buffalo, Rochester, and the Hudson Valley.
Premises and Sidewalk Falls
Slip-and-fall, negligent security, and defective sidewalk claims, including New York City’s rule that shifts sidewalk liability to adjoining property owners under Administrative Code Section 7-210. These run across apartment buildings, stores, and commercial properties statewide.
New York Pre-Settlement Funding Laws and Regulations
New York pairs strong plaintiff protections with a few rules that catch people off guard. The state uses pure comparative negligence, so even a plaintiff who was mostly at fault can still recover a share of damages. But auto claims run through a no-fault system with a serious injury threshold you have to clear before you can sue for pain and suffering. The summary below is a plain-language reference. Confirm your own deadlines and rights with your attorney before you rely on any of it.
Statutes of Limitations
- Personal injury (general): 3 years, CPLR Section 214 [1]
- Medical malpractice: 2 years and 6 months from the act or omission (CPLR Section 214-a), with a discovery rule for missed cancer diagnoses under Lavern’s Law
- Wrongful death: 2 years from the date of death (EPTL Section 5-4.1)
- Claims against a city, the state, or a public authority: a notice of claim is generally required within 90 days (General Municipal Law Section 50-e)
The 90-day notice of claim is the trap that ends more New York cases than the three-year deadline does. If your injury involved the MTA, the city, a public hospital, or any government body, that short clock may already be running. Med-mal and wrongful death also run shorter than the general rule.
No-Fault and the Serious Injury Threshold
- Bodily injury liability: $25,000 per person / $50,000 per accident [2]
- Property damage liability: $10,000
- New York is a no-fault state. Drivers carry at least $50,000 in personal injury protection (PIP) for medical bills and lost wages, regardless of fault
- To sue for pain and suffering, the injury must meet the serious injury threshold under Insurance Law Section 5102(d), such as a fracture, significant disfigurement, or permanent limitation
The threshold is the key that decides whether an auto case can produce a real recovery beyond no-fault benefits. Underwriting looks closely at whether the injury clears it. A fractured bone, surgery, or a documented permanent limitation usually means the lawsuit is fundable.
Pure Comparative Negligence
- New York follows pure comparative negligence (CPLR Section 1411)
- A plaintiff assigned any percentage of fault can still recover a proportional share of total damages
- There is no cutoff. A plaintiff found 70% at fault can still recover 30% of the award
- Labor Law Sections 240 and 241 impose strict liability on owners and contractors for many elevation-related construction injuries
Pure comparative negligence keeps cases alive that other states would throw out. Underwriting weighs the expected recovery after fault is divided up. A case where you carry part of the blame can still be funded. It just affects the size of the advance, not your eligibility.
How to Apply for New York Pre-Settlement Funding
The application takes five minutes. Most New York files get a funding decision before the next business day is out.
1
Tell Us About Your Case
Fill out the form above or call (800) 961-8924. We’ll need your case type, the county where it’s filed, and your attorney’s name and phone number. That’s the whole application.
2
We Review the Case
Our underwriting team reaches out to your attorney and pulls the records. We look at liability, the insurance or assets behind the defendant, your documented injuries, and how comparative fault is likely to shake out. Most NY files get a decision the same business day the attorney responds.
3
Money in Your Account
Sign the funding agreement with your attorney and we release the ACH the same day. Most New York plaintiffs see the deposit land in their account within 24 hours of signing.
Questions from New York Plaintiffs
My car accident is under no-fault. Can I still get funded?
It depends on whether your injury clears New York’s serious injury threshold. No-fault PIP pays your medical bills and some lost wages no matter who caused the crash, but it doesn’t create a lawsuit we can fund against. What we fund is the separate claim for pain and suffering, and that only exists if the injury meets the threshold under Insurance Law Section 5102(d). A fracture, surgery, significant disfigurement, or a documented permanent limitation usually qualifies. If your attorney has filed a bodily injury suit on top of the no-fault claim, that’s the fundable piece.
I fell at a construction site in the city. Does New York’s Labor Law help my case?
It often helps a lot. New York’s Labor Law Sections 240 and 241 put strict liability on property owners and general contractors for many elevation-related injuries, like falls from scaffolds and ladders or being struck by falling materials. That’s a stronger position than the ordinary negligence standard most states apply, which can make the liability picture cleaner. These claims usually run alongside a workers’ comp claim, and the third-party Labor Law suit is the part we fund. If your attorney has filed that case, send it over for review.
Cases in Brooklyn and the Bronx take years to resolve. Can I get money while I wait?
That’s exactly what pre-settlement funding is built for. The crowded dockets in Kings, Bronx, and Queens counties mean many cases take three or four years to settle or reach trial, and waiting that long with bills piling up is the reason plaintiffs come to us. You don’t have to wait for the case to end. As long as it’s active and your attorney is moving it forward, you can apply at any point along the way and get cash now against the expected recovery.
I was hurt visiting New York but I live in another state. Am I eligible?
Yes. What matters is where the case is filed, not where you live. If you were injured in New York and a New York-licensed attorney has filed your personal injury case here, you can apply no matter what state you call home. Plenty of our New York files involve tourists, business travelers, and commuters from New Jersey and Connecticut who were hurt in the city or on the road. We coordinate with your New York attorney and send the funds wherever you are.
Resources
- CPLR Section 214: New York three-year personal injury statute of limitations. Source: New York State Senate, nysenate.gov.
- New York auto insurance minimum coverage requirements. Source: New York State Department of Motor Vehicles, dmv.ny.gov.