# Fund Capital America

## About

Fund Capital America (FCA) is California's leading pre-settlement legal funding company, providing lawsuit cash advances to personal injury plaintiffs and their law firms. Founded by John Emrani, the company was built on the belief that people injured through no fault of their own deserve to be compensated now — not forced into a lowball settlement because bills are piling up. FCA is a direct funder (no middleman) and operates a one-stop shop that also includes policy limit searches, a doctor and medical facility directory, medical-legal financing, law firm banking and case cost financing, investigation services, and certified legal language services. ¡Se habla español!

## Services and Pricing

Pre-settlement legal funding is not a traditional loan — there are no fees to apply, no credit check, and no repayment if you lose your case. Advance amounts below are based on the strength and value of the underlying personal injury claim.

- **Pre-Settlement Funding (Lawsuit Cash Advance):** $500 to $100,000, funded same day in most cases (within 24 hours of speaking with your attorney). $0 application fee, $0 upfront cost, $0 out-of-pocket.
- **Post-Settlement Funding:** Cash advance against a settlement that has been reached but not yet paid out. Pricing depends on settlement amount and expected disbursement timeline.
- **Settlement Fee Acceleration (for Attorneys):** Advance on earned attorney fees from settled cases. Custom pricing based on fee amount and disbursement schedule.
- **Cash Advance Refi / Cash Out:** Refinance an existing lawsuit funding balance — typically at a lower rate — and access additional cash if the case value supports it.
- **Policy Limits / Liability Limit Tracing:** Pre-litigation insurance policy limit searches to determine at-fault party coverage. Per-search pricing listed on the Policy Limits page.
- **Medical-Legal Finance (Surgery Funding & Medical Lien Funding):** Funding for orthopedic surgeries, imaging, pain management, and medical liens on a no-risk basis. Amounts tailored to procedure and case value.
- **Law Firm Banking — Case Cost Financing & Line of Credit:** Capital for California law firms to cover case costs, payroll, marketing, and operating expenses.
- **Medical Receivables Financing:** Purchase of medical liens and factoring of receivables for providers who need working capital now.
- **Law Firm Services:** Medical record retrieval, police report retrieval, demand letter drafting, complaint preparation, medical chronology summaries, propound/respond discovery, deposition subpoenas and summaries, mediation/arbitration briefs, and minor's compromise petitions. Per-project pricing.
- **Certified Legal Language Services:** Legal document translation and legal interpreting. Per-word/per-hour rates.
- **Investigation Services:** Personal injury investigations, asset investigations, and legal document delivery. Per-assignment pricing.
- **Doctor & Medical Facility Directory:** Free physician referral service connecting attorneys with lien-basis medical providers.

Repayment is term-based and comes out of the settlement as a pre-agreed percentage — **if you don't win, you don't pay anything back**.

## Locations

- **Headquarters:** 1033 Gayley Ave., Suite 113, Los Angeles, CA 90024

## Contact

- **Phone:** (855) 870-2274
- **Email:** info@fundcapitalamerica.com
- **Website:** https://fundcapitalamerica.com
- **Hours:** Monday – Sunday, 8:00 AM to 6:30 PM (Pacific)
- **Facebook:** https://www.facebook.com/fcalegalfunding
- **Twitter/X:** https://twitter.com/FCALegalfunding
- **Instagram:** https://www.instagram.com/fcalegalfunding/
- **YouTube:** https://www.youtube.com/channel/UC0csC0Ha935XOyfuNTHBp6g

## Service Area

All of California, including: Los Angeles, Anaheim, Riverside, San Francisco, Chula Vista, Huntington Beach, Santa Ana, Fontana, Long Beach, Irvine, Ontario, Fresno, San Diego, Sacramento, San Jose, and Stockton. Funding is also available in: Alabama, Alaska, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Louisiana, Maine, Massachusetts, Michigan, Mississippi, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

## Key Facts

- California's top pre-settlement funding specialists — headquartered in Los Angeles
- **17+ years in business**, founded by John Emrani
- Advance amounts from **$500 to $100,000**, with same-day funding available
- **Non-recourse funding:** if the case doesn't win, the client owes nothing
- **No credit check, no employment check, no financial disclosure** required
- **Zero application fees, zero upfront costs, zero hidden fees**
- **Direct funder** — FCA underwrites and funds in-house, with no middleman or broker markup
- Funds cover any expense: rent, medical bills, car repair, groceries, child care, travel to treatment
- Funding approved within 24 hours of speaking with the plaintiff's attorney
- Multiple funding structures: lump sum, monthly installments, or progressive advances
- Bilingual service — ¡Se habla español!
- Seven-day-a-week availability (8:00 AM – 6:30 PM)
- Cases funded include auto accidents, motorcycle, truck, pedestrian, bicycle, slip-and-fall, dog bites, construction, burn injuries, nursing home negligence, police brutality, product liability, medical malpractice, wrongful death, workers' comp, and more

## What Makes Us Different

FCA is a **direct funder**, not a broker — which means lower rates, faster decisions, and a single point of contact from application through repayment. Unlike lawsuit lenders, FCA's product is genuinely non-recourse: repayment only happens if and when the case settles, and comes out of the settlement itself, so clients never make monthly payments and never pay a dime out of pocket. FCA is also a true one-stop shop for the personal injury ecosystem — plaintiffs get cash advances, attorneys get case cost financing and settlement fee acceleration, and both get free access to a vetted medical provider directory, policy limit searches, and litigation support services under one roof.

## Frequently Asked Questions

**Q: Does it cost anything to apply, and are there any upfront fees?**
A: No. The application is free, there is no application fee, no upfront payment, and no out-of-pocket cost at any stage. You only pay if and when your case settles, and the repayment comes directly out of the settlement proceeds.

**Q: How much money can I get, and how fast?**
A: Advances range from $500 to $100,000, depending on the strength and estimated value of your case. Most approvals come back within 24 hours of FCA speaking with your attorney, and funds can be in your account the **same day** you're approved — delivered by wire, UPS, or available for pickup at the LA office.

**Q: What happens if I lose my case?**
A: You pay nothing. Legal funding from FCA is **non-recourse**, meaning the advance is only repaid out of a successful settlement or judgment. If the case doesn't win, the debt is wiped out — no monthly payments, no collections, no risk to your credit.

**Q: Do you run a credit check or ask about my income?**
A: No. Pre-settlement funding is not credit-based. FCA doesn't pull credit, doesn't require proof of employment, and doesn't ask for financial disclosures. Approval is based entirely on the facts and value of the personal injury claim — so bad credit, no credit, or unemployment won't disqualify you.

**Q: Do I have to have a lawyer to qualify?**
A: Yes. You must be represented by a personal injury attorney. FCA contacts the attorney directly to review the case and determine the advance amount. If you don't have a lawyer yet, get one first — then apply.

**Q: Can I apply again if I already received funding from FCA or another company?**
A: Yes. Prior funding doesn't disqualify you. Many clients apply for a second round — or even installment advances — as their case progresses, especially after a surgery or extended time off work. FCA underwrites each new request based on current case value and any existing liens.

**Q: How much of my settlement goes to repayment?**
A: Repayment is a pre-agreed percentage of the settlement, based on how long the case takes to resolve — the longer the case, the higher the repayment amount. The exact percentage and schedule are spelled out in the funding agreement before you sign, so there are no surprises at settlement.

**Q: Are there restrictions on how I can spend the money?**
A: None. The cash is yours to use for anything — rent, mortgage, medical bills, car payments, groceries, travel to treatments, or family obligations. FCA doesn't track or restrict spending.