Personal injury cases get pushed back for many reasons. Courts are now relying on technology to push cases forward during the COVID-19 crisis, but some cases are being held back or put on hold altogether. If you’re out of work, the bills are due, and you’re facing overwhelming expenses, you need money now. Plaintiffs have few options in this situation. To pursue their claim, a lawsuit loan or pre-settlement advance can help.

A cash advance and a loan obligation are managed very differently. Here, we will explain the differences between the two, so you can understand how lawsuit funding can help and enable you to pursue your personal injury claim during these trying times.


With a personal injury loan, the lender will consider various eligibility factors, no matter how hurt or broke you are. Unemployment, bad credit, high amounts of debt, and insufficient income can get you denied. Most lenders are more concerned with their businesses than helping you through your situation, and there’s little you can do to convince them otherwise. In addition, they will likely require collateral to back your loan, regardless of the outcome of your case or whether you receive a settlement.

On the other hand, settlement funding and litigation financing have only two eligibility requirements—you have a pending personal injury lawsuit and an attorney is representing you. Once you meet both requirements you can apply for your cash advance. It also helps the more liable the defendant is and you can effectively back your claim, or there’s an offer to settle the case.

A pre-settlement funding company doesn’t require collateral. The advance is secured by an agreement that they’ll be paid back with a part of your future settlement proceeds. Reviewing the merits of your case, a funding company often takes just a day or two to approve your application. That’s far less than loan companies with lots of red tape, causing delays while utility and mortgage payments are due.


Traditional loans come with fees, high interest rates, and strict terms. Whether your case has a high chance to win or it is eventually lost, you will have to make monthly debt payments starting immediately. Getting your loan repaid is a challenge if you’re struggling to make the rent or pay for daily necessities such as groceries. All the while, you’re paying medical bills and trying to get by with injuries and potential impairments due to your accident.

With pre-settlement funding, you’re not obligated to repay. A non-recourse loan isn’t paid back unless your case wins; but if you lose, you won’t owe the funder anything. You won’t owe monthly payments in any case because payback comes directly out of your settlement. The service fee charged by the company isn’t due immediately. You can pay it after the proceeds of your settlement are received.

Apply for Legal Funding Today

Lawsuit funding makes more financial sense than a traditional loan. It presents fewer upfront financial burdens that you don’t need at this time. And it is easier to apply for. If you’re struggling with your case during the coronavirus outbreak, apply with Fund Capital America and our underwriters will review the merits of your case with your attorney. Once we have the facts, we’ll make an offer you can accept or deny, but won’t owe any money upfront for.

Apply online in minutes; or, feel free to call us at 855-870-2274 and ask questions or request assistance.