Tennessee Pre-Settlement Funding

Waiting on a settlement in Memphis, Nashville, or Knoxville? Draw cash against it now.

Three big cities, the country’s busiest cargo airport in Memphis, and a freight web of interstates keep Tennessee moving, and they keep its courts busy too. When an injury case in Shelby, Davidson, or Knox County stretches past a year, the medical bills and lost wages don’t wait. Tennessee pre-settlement funding bridges that gap. It’s a cash advance on your pending injury claim, and because it’s non-recourse, you repay it only if your case succeeds. If it doesn’t, the money is yours to keep.

✓ No Win, No Repayment

✓ $500 to $250,000+

✓ All TN Case Types

Apply For Pre-settlement Funding

Who Qualifies in Tennessee

Tennessee lawsuit funding comes down to three things working together: a personal injury case that’s been filed, an attorney handling it on a contingency fee, and a claim still within the one-year deadline. That short statute of limitations is worth flagging up front, because Tennessee gives plaintiffs less time than most states. Beyond the basics, approval depends on the case itself. Underwriting examines liability, the defendant’s insurance or assets, and the medical proof behind the injury. Your income and credit history play no part. Tennessee follows modified comparative fault with a strict 50% bar, so the projected split of fault factors directly into the advance.

Active Tennessee Filing

A case filed in a Tennessee circuit court or in one of the state’s three federal districts. We work with plaintiffs across all three grand divisions, from West Tennessee and Memphis through Middle Tennessee and Nashville to the East Tennessee counties around Knoxville and Chattanooga.

Contingency Attorney

A Tennessee-licensed attorney is representing you on contingency. We work through the firm to gather the records underwriting needs. If you were injured in Tennessee but have since moved away, you still qualify, as long as a Tennessee lawyer holds the file.

Documented Damages

Clear liability on the other side, medical records that document the injury, and a defendant backed by insurance or assets. Under Tennessee’s 50% bar, a minority share of fault still leaves room to fund, but anything at or above half ends recovery.

Personal Injury Cases We Fund in Tennessee

A logistics hub, an auto-plant corridor, and tens of millions of visitors a year drive the claims we see in Tennessee. Six case types come up over and over.

Trucking and Freight Crashes

Memphis is a national logistics hub, and I-40, I-24, and I-75 carry constant freight. Big-rig wrecks tend to cause severe injuries and involve commercial carriers with substantial insurance and their own legal teams.

Warehouse and Plant Injuries

Distribution centers around Memphis and the auto plants in the Nissan, GM, and Volkswagen corridor bring heavy machinery and forklift risk. When a contractor or equipment maker who isn’t your employer is at fault, that third-party claim can be funded.

Car and Highway Accidents

Collisions on the urban interchanges in Nashville and Memphis and on the rural two-lanes that wind through East Tennessee. Drunk and distracted driving, along with the state’s one-year filing deadline, make moving quickly important.

Medical Malpractice

Surgical errors, missed diagnoses, and birth injuries at Nashville’s large hospital systems, the Memphis medical district, and providers statewide. Tennessee requires pre-suit notice and a certificate of good faith before a health care liability case proceeds.

Tourism and Entertainment Injuries

Falls and crowd injuries along Nashville’s Broadway, accidents in the Gatlinburg and Pigeon Forge resort strip, and incidents at the Great Smoky Mountains gateway. Visitors hurt here can file in Tennessee and fund from out of state.

Premises and Negligent Security

Slip-and-falls, unsafe property conditions, and assaults tied to inadequate security at apartments, bars, and parking facilities in the larger cities. Injuries from poorly maintained or poorly guarded premises round out the mix.

Get a Tennessee lawsuit advance today

Get Started

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

Tennessee Pre-Settlement Funding Laws and Regulations

Tennessee is an at-fault tort state, and its one-year statute of limitations is among the shortest in the country. Shared fault runs through a modified comparative system with a hard 50% cutoff. Health care liability claims, what most people call medical malpractice, carry their own pre-suit notice and certificate requirements. The summaries below are written in plain language for general understanding, not as legal advice. Your attorney can confirm the deadlines and rules that govern your particular case.

Statutes of Limitations

Personal injury (general): 1 year, Tenn. Code Section 28-3-104 ^[1]
Health care liability (medical malpractice): 1 year, generally with a 3-year statute of repose, plus required pre-suit notice and a certificate of good faith
Wrongful death: 1 year from the date of death
Claims against governmental entities under the GTLA have their own notice and timing rules

The one-year clock is the headline here. It is short, it is strict, and missing it usually ends the case. Because filing has to happen fast in Tennessee, plaintiffs often reach the funding stage sooner than in other states, which is one reason early contact helps.

Auto Insurance Minimums

Bodily injury liability: $25,000 per person / $50,000 per accident ^[2]
Property damage liability: $25,000
Tennessee is an at-fault state. There is no mandatory personal injury protection (PIP)
Uninsured and underinsured motorist coverage must be offered but can be rejected in writing

Tennessee sets its mandatory limits at the 25/50/25 floor, and plenty of drivers carry only that. When an at-fault driver is underinsured, your own UM and UIM coverage can fill the gap, but only if you kept it rather than rejecting it. Confirm current rules with the Tennessee Department of Safety.

Modified Comparative Fault

Tennessee uses modified comparative fault (McIntyre v. Balentine, 1992)
A plaintiff can recover only if their fault is less than 50%
Damages are reduced in proportion to the plaintiff’s share of fault
At 50% fault or higher, recovery is barred completely

Tennessee draws its line at 50%, stricter than the 51% rule many states use. Reach that midpoint and recovery disappears entirely. Stay under it and you collect, reduced by your share. Underwriting sizes the advance around that net number, so cases where fault clearly rests with the defendant carry the most room.

How to Apply for Tennessee Pre-Settlement Funding

The whole application takes about five minutes, and most Tennessee cases get a decision by the close of the next business day.

Get in Touch

Complete the form above or call (800) 961-8924. Let us know your case type, the county where it was filed, and how to reach your attorney. That’s the whole intake.

We Assess the Case

We contact your attorney, request the file, and review the liability, the available coverage, the documented injuries, and the likely fault split. In most Tennessee cases the decision lands the same day the firm gets back to us.

Funds Released

Once you and your attorney sign the agreement, the ACH transfer goes out that day. Most Tennessee plaintiffs have the funds available within 24 hours.

Questions from Tennessee Plaintiffs

Tennessee only gives me one year to file. Does that affect funding?

Mostly it changes the timing. Tennessee’s one-year deadline is one of the tightest in the nation, so cases here tend to get filed quickly, and that means plaintiffs often become eligible for an advance earlier than they would elsewhere. We don’t fund until a case is actually on file, so the real point is simple: talk to a lawyer right away. Once your attorney has filed and the claim is moving, the short deadline stops being a worry and you can apply whenever the financial pressure hits.

My crash involved a freight truck out of Memphis. Is that a strong case to fund?

It often is. Commercial trucking cases usually involve serious injuries and carriers that hold large insurance policies, which can mean substantial recoveries. The flip side is that those carriers move fast to protect themselves, sending investigators to the scene almost immediately. That’s exactly why funding helps: it lets you cover bills and hold out for full value instead of grabbing a quick lowball offer. If liability points at the trucking company and the injuries are well documented, it’s the kind of case underwriting looks at closely.

I got hurt visiting Nashville or the Smokies. Can I fund a case from another state?

Yes. What counts is that the case is filed in Tennessee with a Tennessee attorney, not the state on your ID. Tennessee draws huge crowds to Broadway, the honky-tonks, and the Gatlinburg and Pigeon Forge corridor near the Smokies, and visitors get hurt in falls, crowd incidents, and resort accidents. Once your lawyer files against the bar, venue, or property owner responsible, you can apply from wherever you live and we’ll send the funds to you there.

My health care liability claim needs pre-suit notice first. Can it still be funded?

It can. Tennessee makes malpractice plaintiffs give the providers pre-suit notice and file a certificate of good faith, backed by an expert, before the lawsuit can move ahead. Those steps add time on the front end, which is part of why an advance can help carry you through. Once the claim has cleared those requirements and is properly underway, we review it the same as any other case, looking at the expert support, the liability, and the medical records. A well-supported health care claim that has met its pre-suit obligations can qualify.

Submit your Tennessee lawsuit loan application today