Four steps, fully transparent, with no upfront cost. Most clients receive funds within 24 hours of approval. Here's exactly what happens between filling out the application and money landing in your account.
The application asks for the basics: your contact information, the date of your accident, and your attorney's name and firm. We don't ask for income documentation, employment verification, or credit information, because none of those affect your eligibility.
What we do need is enough information to contact your attorney and start evaluating your case. If you don't have an attorney yet, we can't fund your case — we only work with represented claimants. We're happy to refer you to local attorneys if you need one.
Typical time: 3 minutesOnce your application is in, our underwriting team reaches out to your attorney's office, usually within hours. They send us the case file: police report, medical records, demand letter (if drafted), insurance information, and any other documentation relevant to liability and damages.
Our underwriters — many with backgrounds in personal injury law — evaluate the strength of your claim, the likely settlement range, the timeline, and any complicating factors. This is where most of the work happens, and it's invisible to you. You don't pay for this review, and there's no obligation regardless of the outcome.
What we look for:
If your case qualifies, we send a written offer that lays out everything in plain language. You'll see the funding amount, the fee structure, the maximum total repayment, and a worked example showing what you'd repay if your case settles in 6, 12, or 24 months.
This is your chance to ask questions. Read it carefully. Share it with your attorney — most attorneys will review funding offers with you at no charge, and we encourage that conversation. If anything is unclear, our team will walk you through it. There's no pressure to accept and no fee for declining.
If you accept, both you and your attorney sign the funding agreement. Your attorney's role is administrative — they're acknowledging the lien on your eventual settlement, not co-signing or guaranteeing anything personally.
Decision is yours — no time limit on offersOnce the signed agreement is back in our hands, we wire funds directly to your bank account or send a check by overnight courier — whichever you prefer. Wires usually clear the same business day; courier delivery is next-day.
From here, the money is yours to use however you need. Most clients use it for rent and household bills, vehicle replacement, medical co-pays, lost-income gaps, or simply to take pressure off so they can hold out for a fair settlement instead of accepting a lowball offer.
You make no monthly payments. There's no loan to service, no interest accruing on a separate ledger you have to track. When your case resolves, your attorney handles the repayment as part of normal disbursement — the agreed amount comes off the top of your settlement, and the rest goes to you.
If your case doesn't win, the funding agreement ends. You owe us nothing. That's the entire point of non-recourse funding.
Funds in account: 24 hours from acceptanceAfter funds arrive, your only job is to focus on recovery and stay in communication with your attorney. We don't interfere with the case. We don't talk to you about settlement strategy. We don't push your attorney to settle faster.
If your case is taking longer than expected and you need additional funding, we can review your case for a second advance. Many clients receive two or three rounds of funding over the life of a long case. Each round is evaluated on the case's progress at that point.
When your case resolves — whether by settlement, mediation, or verdict — your attorney will request a final payoff figure from us, deduct the agreed amount from your settlement at disbursement, and send us the funds. You'll receive a final statement showing the breakdown. That's it. The agreement closes.
The application takes three minutes. There's no obligation, no credit check, and no fee unless you accept funding and your case wins.