Pre-settlement funding is a cash advance to Texas plaintiffs against the future proceeds of a pending lawsuit. Unlike a traditional loan, pre-settlement funding is non-recourse, meaning if your Texas case is dismissed or you lose at trial, you owe nothing. The funder absorbs the entire loss.
Texas civil cases take time. According to data from the Texas Office of Court Administration, the average Texas District Court civil case takes between 12 and 30 months to reach a settlement or judgment, depending on county and case complexity. For plaintiffs who cannot work due to injury, that timeline creates financial pressure that can force a low settlement.
Pre-settlement funding gives Texas plaintiffs the financial breathing room to wait for the settlement their case actually deserves. The funds can be used for any purpose: medical bills, rent, mortgage, car payments, groceries, childcare, or any other expenses.
Key characteristics of Texas pre-settlement funding:
- Non-recourse: You repay only from settlement proceeds. If you lose, you owe nothing.
- No credit check: Decisions are based on case strength, not credit history.
- No income verification: Unemployed Texas plaintiffs qualify if their case is strong.
- No monthly payments: Repayment happens once at settlement, not in installments.
- Attorney-coordinated: Your Texas attorney participates in every funding decision.
How Texas Pre-Settlement Funding Works
The pre-settlement funding process for Texas plaintiffs follows a standard six-step workflow:
Step 1: Application (5 to 15 minutes)
Apply online through our application form or by calling (800) 961-8924. You provide basic personal information, your Texas attorney’s contact details, a description of your case, and the amount of funding you need. There is no credit check, no employment verification, and no application fee.
Step 2: Texas Attorney Coordination (1 to 3 business days)
We contact your Texas attorney’s office to request the case file. Documents typically include the filed petition, medical records, police reports for accident cases, demand letters, and any settlement offers on the table. The speed of this step depends on how quickly your Texas attorney’s office responds.
Step 3: Texas Case Underwriting (1 to 3 business days)
Our underwriting team reviews your case for several Texas-specific factors:
- Liability strength under Texas’s modified comparative fault rule (51% bar)
- Damages documentation including medical bills, lost wages, and pain and suffering exposure
- Defendant solvency and insurance coverage limits
- Case stage (pre-litigation, discovery, mediation, or trial preparation)
- Projected Texas settlement timeline based on county, court, and case type
Step 4: Offer and Texas Attorney Review (1 to 2 business days)
If approved, we send a written offer specifying the advance amount, monthly rate, compounding schedule, any origination fees, a multi-period payback schedule, and the non-recourse language. We strongly recommend your Texas attorney review the contract before you sign. We will not pressure you to sign immediately.
Step 5: Funds Disbursement (Same Day to 24 Hours)
Once you sign, funds are sent via wire transfer or overnight check. Most Texas plaintiffs receive funds the same day or next business day after contract signing. Your Texas attorney is simultaneously notified that an advance has been made with a lien against future settlement proceeds.
Step 6: Texas Settlement Repayment
When your Texas case settles, your attorney pays our company directly from the settlement proceeds before disbursing the remainder to you. The payback amount is calculated based on the contract date and signing date.
If your case fails (dismissed, lost at trial, or otherwise resolved without recovery), you owe nothing.
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Texas Pre-Settlement Funding Rates and Fees in 2026
Pre-settlement funding rates in Texas in 2026 typically range from 1.9% to 3.5% per month, compounding monthly. The specific rate depends on:
- Advance amount: Larger advances generally carry lower monthly rates
- Case strength: Strong liability cases with clear damages qualify for better rates
- Projected timeline: Cases expected to resolve quickly may receive better pricing
- Case type: Auto accident and 18-wheeler cases with clear liability get the best rates; medical malpractice and complex cases carry higher rates due to longer timelines
Texas does not have a state-specific cap on pre-settlement funding rates. Rates align with the national industry range.
Cost Examples for Texas Plaintiffs
| Advance | Monthly Rate | 6 Months | 12 Months | 18 Months | 24 Months |
|---|---|---|---|---|---|
| $5,000 | 2.9% | $5,940 | $7,056 | $8,385 | $9,963 |
| $10,000 | 2.7% | $11,738 | $13,777 | $16,170 | $18,977 |
| $25,000 | 2.4% | $28,829 | $33,236 | $38,317 | $44,176 |
| $50,000 | 2.2% | $56,985 | $64,929 | $73,981 | $84,294 |
Total payback calculated using monthly compound interest at 2026 standard industry rates.
The longer your Texas case takes, the disproportionately larger the payback. A $10,000 advance resolving in 6 months costs roughly $1,738 in fees. The same advance taking 24 months costs $8,977. For detailed cost analysis, see pre-settlement funding costs and fees explained.
Fees You May See on a Texas Contract
- Origination fee: $0 to $750 typical, depending on advance size. Sometimes deducted from the advance, sometimes added to the payback total.
- Processing fee: $0 to $250 if applied. Many funders waive this.
- Wire fee: $25 to $50. Often waived for larger advances.
All fees should appear in writing on your payback schedule before you sign.
Cases We Fund in Texas
We fund nearly every category of Texas civil litigation. Texas-specific notes for each major category:
Personal Injury Cases
Personal injury cases including slip and fall, premises liability, and dog bite cases account for a substantial share of Texas funding requests. Texas applies a modified comparative fault rule with a 51% bar (Tex. Civ. Prac. & Rem. Code §33.001). If you are 50% or less at fault, you can still recover damages reduced by your percentage of fault. If you are 51% or more at fault, you recover nothing.
Auto Accident Cases
Auto accident cases are a high-volume category in Texas due to the state’s extensive highway system and high commercial truck traffic. Texas mandatory auto insurance minimums are $30,000 per person / $60,000 per accident for bodily injury, higher than many states but still often insufficient for serious injuries.
This category includes car, truck, motorcycle, rideshare (Uber, Lyft), pedestrian, and bicycle accidents. All follow similar underwriting patterns.
18-Wheeler and Commercial Truck Accident Cases
Texas has the highest commercial truck traffic of any state due to its extensive interstate system (I-10, I-20, I-35, I-45) and proximity to Mexico. Truck accident cases involving 18-wheelers, tractor-trailers, and commercial trucks are a Texas specialty.
Truck accident cases typically support higher settlements because commercial trucking companies carry federally-mandated minimum $750,000 liability insurance under FMCSA regulations, with many carriers having $1 million or higher coverage. Multiple defendants (driver, trucking company, broker, shipper) often increase recoverable damages.
Workers’ Compensation Cases
Workers’ compensation cases in Texas operate under a unique system: Texas is the only state where employers can opt out of workers’ compensation insurance (non-subscriber status). For employees of non-subscribers, traditional personal injury law applies and damages can exceed standard workers’ comp limits.
For traditional Texas workers’ comp cases (subscriber employees), the Division of Workers’ Compensation under the Texas Department of Insurance (TDI-DWC) administers claims. Impairment ratings and lifetime income benefits create complex underwriting situations.
Medical Malpractice Cases
Medical malpractice cases in Texas are subject to the Texas Medical Liability Act (Tex. Civ. Prac. & Rem. Code §74.001 et seq.), passed in 2003. The law caps non-economic damages at $250,000 against a physician or healthcare provider, and $250,000 per healthcare institution (with a $500,000 total cap when multiple institutions are involved).
These caps significantly affect Texas med mal underwriting. Texas med mal cases typically resolve in 24-48 months and require careful evaluation of economic vs non-economic damages.
Wrongful Death Cases
Wrongful death cases in Texas are governed by the Texas Wrongful Death Act (Tex. Civ. Prac. & Rem. Code §71.001 et seq.). Surviving spouses, children, and parents have standing to sue. Texas recognizes mental anguish, loss of companionship, and loss of consortium as compensable damages.
Sexual Abuse Cases (Including HB 3809 Extension)
Sexual abuse cases including institutional abuse, clergy abuse, school abuse, and youth detention abuse cases are funded for Texas plaintiffs.
Texas House Bill 3809, signed in 2019, dramatically extended the statute of limitations for childhood sexual abuse cases to 30 years from the victim’s 18th birthday (effectively allowing claims until age 48). The law applies to abuse occurring after September 1, 2019, with retroactive provisions for certain cases.
Mass Tort Cases
Mass tort cases including Roundup, hair relaxer, PFAS/AFFF firefighting foam, talcum powder, 3M earplugs, Tylenol autism, hernia mesh, and IVC filter cases are widely funded for Texas plaintiffs. Texas is a major venue for MDL-related litigation due to multiple federal districts.
Texas-Specific: Oil and Gas Industry Cases
Texas leads the nation in oil and gas production. Personal injury cases arising from oil and gas operations include:
- Offshore platform accidents (Gulf of Mexico operations, Jones Act maritime claims)
- Onshore drilling rig accidents (Permian Basin, Eagle Ford, Barnett Shale)
- Refinery accidents and explosions (Houston ship channel, Beaumont/Port Arthur)
- Pipeline incidents and gas processing facility accidents
- Hydraulic fracturing (fracking) workplace injuries
- Trucking accidents related to oil field service vehicles
These cases often involve multiple defendants (operator, drilling contractor, service company), federal OSHA standards, and substantial damages.
Texas-Specific: Hurricane and Storm Personal Injury Cases
Texas Gulf Coast hurricane cases (Hurricane Harvey 2017, Hurricane Beryl 2024, Hurricane Hanna 2020) generate personal injury claims related to:
- Inadequate evacuation procedures by employers or facilities
- Negligent maintenance of public/private facilities during storms
- Insurance bad faith claims
- Premises liability for storm-damaged properties
Other Funded Texas Case Types
- Premises liability and inadequate security cases
- Product liability and defective products
- Brain injury and spinal cord injury cases
- Construction accident cases
- Civil rights and police misconduct cases (42 U.S.C. §1983)
- Employment discrimination and wrongful termination
- DTPA (Texas Deceptive Trade Practices Act) claims
- Whistleblower and qui tam cases
For the complete catalog, see our funding categories directory.
Texas Statute of Limitations for Civil Cases
The Texas statute of limitations determines how long you have to file a lawsuit. Missing the deadline almost always destroys the case. Confirm specific deadlines with your Texas attorney.
| Case Type | Deadline | Statute |
|---|---|---|
| Personal injury | 2 years from injury date | Tex. Civ. Prac. & Rem. Code §16.003 |
| Medical malpractice | 2 years from breach or end of treatment | Tex. Civ. Prac. & Rem. Code §74.251 |
| Wrongful death | 2 years from death | Tex. Civ. Prac. & Rem. Code §16.003(b) |
| Workers’ compensation | 1 year from injury | Tex. Labor Code §409.003 |
| Product liability | 2 years from injury (15-year repose) | Tex. Civ. Prac. & Rem. Code §16.012 |
| Premises liability | 2 years from injury | Tex. Civ. Prac. & Rem. Code §16.003 |
| Adult sexual assault | 5 years from incident | Tex. Civ. Prac. & Rem. Code §16.0045 |
| Childhood sexual abuse | 30 years from age 18 | Tex. Civ. Prac. & Rem. Code §16.0045 (HB 3809) |
| Breach of written contract | 4 years | Tex. Civ. Prac. & Rem. Code §16.004 |
| Breach of oral contract | 4 years | Tex. Civ. Prac. & Rem. Code §16.004 |
| Civil rights (federal §1983) | 2 years | Tex. Civ. Prac. & Rem. Code §16.003 |
| Government claim notice | 6 months notice required | Tex. Civ. Prac. & Rem. Code §101.101 |
| DTPA claims | 2 years from discovery | Tex. Bus. & Com. Code §17.565 |
Source: Texas Civil Practice and Remedies Code, Labor Code, and Business and Commerce Code, accessed 2026.
If you are suing a Texas government entity (state, county, or municipality), you must give written notice within 6 months of the incident under the Texas Tort Claims Act. This is a strict procedural requirement.
Texas Pre-Settlement Funding Regulation in 2026
Texas does not currently require pre-settlement funding companies to hold a specific state license. Texas takes a relatively hands-off regulatory approach to pre-settlement funding compared to states like New York or Indiana.
Regulatory Bodies With Authority
Texas Department of Insurance (TDI) regulates insurance products in Texas but does not directly regulate pre-settlement funding because PSF is not classified as insurance.
Texas Office of Consumer Credit Commissioner (OCCC) regulates consumer credit products in Texas. Pre-settlement funding has historically been treated as outside the OCCC’s scope because non-recourse advances are not technically loans.
Texas Attorney General enforces the Texas Deceptive Trade Practices Act (DTPA) and consumer protection law. The AG has authority to investigate predatory pre-settlement funding practices.
Texas Department of Banking does not regulate pre-settlement funding.
Texas Court Rulings on PSF Enforceability
Texas courts have generally upheld pre-settlement funding contracts when they meet basic fairness standards. The standards Texas courts have applied:
- The contract clearly discloses the rate structure and total payback
- The plaintiff signed without high-pressure or unconscionable sales tactics
- The funding is structured as a true non-recourse purchase of future proceeds, not a disguised loan
- The plaintiff had the opportunity to consult with their attorney before signing
- The terms are not so one-sided as to be unconscionable under Texas Business & Commerce Code §2.302
Texas’s relatively permissive regulatory environment makes attorney involvement and contract clarity especially important. Reputable funders structure their contracts to meet all five standards.
Federal Consumer Protection
Texas plaintiffs are also protected by federal consumer financial regulations. The Consumer Financial Protection Bureau publishes general guidance on consumer financial products (CFPB consumer education, accessed 2026).
Texas Settlement Timelines by Case Type
How long your Texas case takes affects how much pre-settlement funding will cost. Approximate 2026 Texas settlement timelines:
| Case Type | Texas Average Timeline |
|---|---|
| Soft tissue auto accident (clear liability) | 6-12 months |
| Auto accident with disputed liability | 12-24 months |
| 18-wheeler/commercial truck accident | 14-28 months |
| Slip and fall with medical treatment | 12-18 months |
| Workers compensation (subscriber) | 12-24 months |
| Workers comp (non-subscriber PI) | 14-30 months |
| Premises liability | 12-24 months |
| Oil and gas industry injury | 18-36 months |
| Product liability | 18-30 months |
| Medical malpractice | 24-48 months |
| Wrongful death | 18-36 months |
| Sexual abuse and institutional abuse | 18-36 months |
| Mass tort (Roundup, hair relaxer, others) | 24-60 months from MDL inception |
| Hurricane personal injury | 18-36 months |
| Civil rights and police misconduct | 24-48 months |
| Employment discrimination | 18-30 months |
Source: Composite of Texas District Court civil case data and Texas Office of Court Administration annual reports, 2026.
Why Texas County Matters
Texas has 254 counties, each with its own court system. Harris County (Houston) and Dallas County typically run longer timelines due to case volume. Travis County (Austin), Bexar County (San Antonio), and Tarrant County (Fort Worth) have moderate timelines. Rural Texas counties often resolve faster but have fewer specialty courts for complex cases.
Federal court timelines vary by district. The Southern District of Texas (Houston, Galveston, Brownsville), Northern District (Dallas, Fort Worth, Lubbock), Eastern District (Tyler, Beaumont, Marshall), and Western District (San Antonio, Austin, El Paso, Waco) all have different docket pressures.
Major Texas Cities We Serve
ECO Pre-Settlement Funding works with Texas plaintiffs across all 254 counties. Major population centers include:
East and Southeast Texas:
- Houston (Harris County), the largest funding market in Texas
- Pasadena, Sugar Land, The Woodlands, Pearland (Houston metro)
- Beaumont, Port Arthur (Gulf Coast)
- Galveston, Texas City
North Texas:
- Dallas (Dallas County)
- Fort Worth, Arlington (Tarrant County)
- Plano, Frisco, McKinney, Allen (Collin County)
- Garland, Irving, Mesquite, Grand Prairie, Carrollton, Denton
- Tyler (East Texas)
Central Texas:
- Austin (Travis County)
- Round Rock, Cedar Park, Pflugerville (Williamson County)
- Waco (McLennan County)
- College Station (Brazos County)
- Killeen, Temple
South Texas:
- San Antonio (Bexar County)
- Corpus Christi (Nueces County)
- Laredo (Webb County)
- McAllen, Brownsville, Edinburg, Mission (Rio Grande Valley)
West Texas:
- El Paso (El Paso County)
- Lubbock (Lubbock County)
- Amarillo (Potter and Randall counties)
- Midland, Odessa (Permian Basin)
- Abilene (Taylor County)
- Wichita Falls (Wichita County)
We also work with Texas plaintiffs in smaller cities and rural counties across all 254 Texas counties. There is no minimum case value requirement.
Why Texas Plaintiffs Choose ECO Pre-Settlement Funding
Texas has many pre-settlement funding companies. Texas plaintiffs typically choose ECO for the following reasons:
Written multi-period payback schedule before signing. We provide the full payback amount at month 6, 12, 18, and 24 in writing before you commit. No verbal estimates, no surprises at settlement.
Direct Texas attorney coordination. We work professionally with your Texas attorney’s office on every case. We do not bypass attorneys or pressure plaintiffs to sign without attorney review.
Explicit non-recourse contract language. Our Texas contracts state clearly that if your case does not settle in your favor, you owe nothing. No fraud carve-outs that effectively cancel the protection.
Broad Texas case coverage. We fund nearly every case category that Texas plaintiffs file, including 18-wheeler accidents, oil and gas industry cases, workers’ compensation (both subscriber and non-subscriber), mass tort, and abuse cases.
Fast Texas decisions. Most Texas applications receive an initial decision within 24 hours of our receiving case documents from your attorney. Funds are typically disbursed same-day or next-day after signing.
Texas-specific underwriting expertise. Our underwriting team is familiar with Texas’s 51% bar rule, the Texas Medical Liability Act, HB 3809 sexual abuse provisions, the workers’ compensation subscriber/non-subscriber distinction, oil and gas industry liability, and Texas court timelines by county.
For the full framework for evaluating Texas funders, see our pre-settlement funding companies buyer’s guide.
Texas Pre-Settlement Funding At a Glance
| Question | Answer |
|---|---|
| Funding amounts | $500 to $250,000+ |
| Typical monthly rate | 1.9% to 3.5% (compounding monthly) |
| Origination fees | $0 to $750 |
| Time to funding | 2-5 business days from application |
| Credit check required? | No |
| Employment verification required? | No |
| Monthly payments? | No |
| Repayment if you lose? | None (non-recourse) |
| Texas PSF license required? | No specific PSF license required as of 2026 |
| Counties served | All 254 Texas counties |
| Application time | 5-15 minutes |
| Comparative fault rule | 51% bar (modified comparative) |
Frequently Asked Questions: Texas Pre-Settlement Funding
How long does it take to get pre-settlement funding in Texas?
Most Texas plaintiffs receive funds within 2 to 5 business days of applying. The timeline depends mostly on how quickly your Texas attorney’s office sends the case documents to us.
Do you pull credit for Texas plaintiffs?
No. We do not pull credit, verify employment, or require income proof. Decisions are based on the strength of your Texas case, not your credit history or employment status.
What is the typical rate for Texas pre-settlement funding?
Texas rates from reputable funders range from 1.9% to 3.5% monthly, compounding monthly. The specific rate depends on advance size, case strength, and projected timeline. Texas has no specific PSF rate caps, so rates align with national industry ranges.
What happens if my Texas case is dismissed or I lose at trial?
You owe nothing. Pre-settlement funding is non-recourse, meaning the funder absorbs the entire loss if your case fails. No principal, no interest, no fees. This applies even if you have already received the advance.
Can I get funding for a Texas 18-wheeler truck accident?
Yes. Commercial truck accident cases are a strong funding category in Texas. These cases typically support higher funding amounts because commercial truckers carry federally-mandated minimum $750,000 in liability insurance, with many carriers having $1 million or higher coverage.
Does Texas regulate pre-settlement funding companies?
Texas does not currently require a specific pre-settlement funding license as of 2026. The Texas Department of Insurance does not regulate PSF as insurance. The Texas Office of Consumer Credit Commissioner has historically not regulated PSF as a loan because of the non-recourse structure. The Texas Attorney General enforces consumer protection law against predatory practices.
How does Texas’s 51% bar rule affect my case?
Texas uses a modified comparative fault rule with a 51% bar. If you are 50% or less at fault for your injury, you can recover damages reduced by your percentage of fault. If you are 51% or more at fault, you recover nothing. This affects underwriting for cases with disputed liability.
Can I get pre-settlement funding for a Texas medical malpractice case?
Yes. Medical malpractice cases under the Texas Medical Liability Act are eligible. Underwriting accounts for the $250,000 non-economic damages cap against physicians and the $250,000/$500,000 caps against healthcare institutions, plus the typical 24-48 month timeline.
How much Texas funding can I qualify for?
Typical advances are 10% to 20% of the projected settlement value. A Texas case projected to settle for $100,000 might qualify for $10,000 to $20,000 in advances. Stronger cases with clearer liability qualify for larger amounts.
Can my Texas attorney participate in the funding process?
Texas attorneys are required to participate. We coordinate with your attorney’s office on every advance because repayment runs through their trust account at settlement. Your Texas attorney reviews the contract before you sign.
Can I get pre-settlement funding for a Texas sexual abuse case under HB 3809?
Yes. Cases under Texas HB 3809 are actively funded. The extended statute of limitations (30 years from age 18) means many cases are at earlier litigation stages, which can affect underwriting but does not disqualify them.
Does pre-settlement funding affect my Texas settlement negotiations?
Indirectly. With funding in place, you can hold out for a fair Texas settlement rather than accept a low offer from financial pressure. The funder does not participate in negotiations but their presence removes one of the pressure tactics your defendant can use against you.
Can I get multiple advances on the same Texas case?
Yes, but additional advances after the first carry higher rates because the second funder takes a junior position behind the first lien. Plan your funding amount carefully the first time.
Does pre-settlement funding affect my Texas credit score?
No. Reputable Texas pre-settlement funders do not check credit, do not report to credit bureaus, and do not appear on your credit report. Your funding will not affect your credit score in any way.
What if my Texas settlement is smaller than expected?
The funder is repaid first from settlement proceeds, but only up to the contracted amount. If your Texas settlement is small enough that there is no money left after repayment, the funder cannot pursue you for additional money. The non-recourse protection applies to settlement amount.
Can I get funding for a Texas oil and gas industry injury case?
Yes. Oil and gas industry cases are a Texas specialty. We fund offshore platform accidents (Jones Act), onshore drilling rig cases, refinery accidents, pipeline incidents, and related cases. These often involve multiple defendants and substantial damages.
Can I get funding for a Texas non-subscriber workers’ comp case?
Yes. Texas is the only state where employers can opt out of workers’ compensation (non-subscriber status). Cases against non-subscribers proceed under traditional personal injury law and often support higher recoveries than standard workers’ comp claims.
What documents do I need to apply for Texas pre-settlement funding?
You personally need only basic identification (name, address, contact info). All case-specific documents come from your Texas attorney’s office: the petition, medical records, police reports, demand letters, and any settlement offers. There is no income documentation or credit check required.
Apply for Texas Pre-Settlement Funding
If you have a pending Texas civil case and need cash before your settlement arrives, you can apply directly online or by phone. The application takes about 5 to 15 minutes and there is no credit check, no income verification, and no upfront fee. We respond to most Texas applications within 24 hours of receiving documents from your attorney. Funds typically arrive within 2 to 5 business days of approval. There is no monthly payment, no upfront fee, and you owe nothing if your Texas case does not settle in your favor.