Civil cases routinely take two to three years. Pre-settlement funding is built for that gap. It is tied to your case rather than your credit, and there is nothing to repay unless you win.
Legal funding is non-recourse. The only source of repayment is your settlement or judgment. If the case is dismissed or you lose at trial, you keep the advance and owe nothing, not the principal and not the fee. The risk sits with us, which is why we review the case carefully before saying yes.
Banks look at your past. We look at your case: fault, damages, insurance coverage and the strength of your attorney's position. A low score, unemployment after the injury or a past bankruptcy are not barriers, and applying leaves no mark on your credit file.
Once you and your attorney sign the funding agreement, funds are sent electronically, usually by the next business day. No waiting on cheques, no branch visits and no further paperwork.
There are no monthly instalments, no interest letters in the mailbox and no collection calls. When the case settles or wins, your attorney pays our portion from the proceeds before sending you the rest.
Insurers count on financial pressure to push plaintiffs into early, low settlements. With rent and medical bills covered, your attorney can negotiate from strength and, if it comes to it, take the case to trial.
The specialist who takes your call handles your file through to the deposit. They know your name, your case and your attorney, and they pick up when you call back.
| Pre-settlement funding | Personal loan | Credit card | Settling early | |
|---|---|---|---|---|
| Credit check | None | Required | Required | None |
| Monthly payments | None | Yes | Yes | None |
| If you lose the case | You owe nothing | Full balance still due | Full balance still due | Not applicable |
| Your case's full value | Kept | Kept | Kept | Often a fraction |
| Time to money | 24 hours after signing | Days to weeks | If approved | Weeks to months |
Free evaluation. No credit check. No obligation to accept.