Pre-Settlement Funding FAQs: Eligibility, Costs and Approval

Pre-settlement funding is a cash advance that may be available to eligible plaintiffs before an active legal claim is resolved. Alliance reviews the claim, attorney representation, documentation, potential recovery, requested amount, and state availability. If approved, the applicant receives written terms and decides whether to accept the funding. Learn more about how the pre-settlement funding process works.

No. Although people commonly search for “lawsuit loans,” “settlement loans,” or “pre-settlement loans,” this funding is generally structured as a non-recourse cash advance rather than a traditional consumer loan. Repayment is typically contingent on a successful case recovery and is governed by the signed funding agreement and applicable law.

You submit an application with basic personal, case, and attorney information. With authorization, Alliance coordinates with your attorney to verify the claim and review available documentation. If the request qualifies, Alliance provides available funding options and written agreement terms. Funding is issued only after the approved applicant reviews and accepts the agreement.

Pre-settlement funding is generally non-recourse, meaning repayment is typically made from a successful case recovery rather than through traditional monthly payments. If the case does not result in a recovery, repayment is generally not required, subject to the specific signed agreement and applicable law. Applicants should review all terms carefully before accepting funds.

Eligible applicants often seek funding to manage necessary living expenses while their case is pending, including rent or mortgage payments, utilities, groceries, transportation, childcare, and medical-related costs. Permitted uses and all obligations are controlled by the written funding agreement. Pre-settlement funding is not legal advice and does not direct how your case is handled.

Complete Alliance’s secure online funding application or call 609-314-0439. Provide accurate contact, case, state, attorney, and requested-funding information. Submitting an application authorizes an initial review but does not guarantee approval, a specific amount, delivery timing, or agreement terms.

The application generally asks for your name and contact details, attorney or law firm information, case type, incident date, state where the claim is handled, requested amount, and a brief case description. Alliance may request additional information if needed to determine whether the claim can proceed to attorney verification and individual funding review.

Alliance may ask the law firm to confirm representation, current case status, liability facts, insurance coverage or another recovery source, injuries and damages, supporting documentation, existing liens, prior funding, settlement activity, and expected recovery. The exact request depends on the claim. Your attorney continues to control legal strategy and the attorney-client relationship.

Alliance does not direct your attorney’s legal strategy, control settlement decisions, or replace legal advice. Attorney coordination is required to verify case information and, if funding is accepted, to address repayment from a successful recovery according to the signed agreement. Discuss any concerns about the agreement with your attorney before accepting funds.

Alliance uses the information submitted to evaluate and administer the funding request and coordinate with the attorney handling the claim. Before applying, review Alliance’s Privacy Policy and the consent language displayed on the application. Do not submit information you are not authorized to provide.

Costs vary according to the funded amount, case, expected time to recovery, risk, and written agreement terms. There is no single cost that applies to every applicant. Before accepting funding, review the amount you will receive, how charges are calculated, when charges may increase, and the total potential repayment shown or described in the agreement.

Alliance does not charge an upfront fee to submit a funding application and check basic eligibility. If funding is offered, all applicable charges and repayment terms should be disclosed in the written agreement. Carefully review the agreement and ask Alliance or your attorney about any term you do not understand before signing.

The calculation method is governed by the written funding agreement and may depend on the amount funded and how long the case remains unresolved. Charges can increase over time, so compare the potential repayment at multiple future dates—not only the initial advance. Ask for a clear explanation of the calculation method and any fees before accepting funding.

Pre-settlement funding generally does not require traditional monthly payments. Repayment is typically handled from the proceeds of a successful legal recovery in accordance with the signed agreement. Your attorney or law firm may be required to acknowledge the funding and repayment instructions. Review the agreement for the exact obligations that apply.

When a funded case produces a recovery, repayment is generally made from the case proceeds before the remaining net amount is distributed to the client. The law firm typically follows the repayment instructions and signed agreement. The total repayment depends on the agreement terms and how long the funding remains outstanding.

Under a non-recourse funding agreement, repayment is generally not required if the eligible case does not produce a recovery. The signed agreement and applicable law control the precise rights, exclusions, representations, and obligations. Review those provisions carefully with your attorney before accepting funding.

You may request an additional or second pre-settlement advance, but it requires another review and is not guaranteed. Alliance may evaluate updated case status, expected recovery, existing liens, prior funding balances, attorney information, time elapsed, requested amount, and state requirements. Additional funding may increase total repayment, so review the new written terms carefully.

Notify Alliance promptly if your representation changes. Alliance may need to confirm the substitution, obtain updated case information, and coordinate with the new law firm. A change of attorney can affect review or processing time, but it does not automatically determine approval or denial. Existing funding obligations remain governed by the signed agreement.

Legal claims can take longer than initially expected, and funding charges may increase while an advance remains outstanding, depending on the agreement. Review the cost calculation and potential repayment at different future dates before signing. Alliance does not control litigation strategy, settlement timing, or the legal outcome.