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Cash Advance REFI/Cash Out Program


Cash Advance Refinancing - A Guide to Getting the Funding You Need

With cash advance refinancing from Fund Capital America, you can get the funding you need quickly and easily. Do you have a personal injury case and legal, medical, and living expenses you can’t afford? Don’t feel pressured to settle early. In this guide, we’ll explain what you need to know about cash advance refinancing, including how to apply, the benefits, and how we can help while you await a fair settlement.

What Is Cash Advance Refinancing?

Cash advance refinancing rewrites the terms of your initial legal funding agreement. Any loan, such as a mortgage, car, or personal loan, can be refinanced. When applied to a settlement cash advance, it can provide the following benefits:

  • A Change in Repayment Terms: Refinancing can lower monthly payments or, in the case of a non-recourse advance, reduce the amount deducted from your future settlement.
  • Lower Interest Rates: The interest rate adds to the total cost of a loan. Refinancing can reduce the interest rate, so you owe less to the lender in the long run.
  • A New Repayment Period: In addition to lower monthly payments, refinancing can extend the repayment period or enable you to pay off a loan faster.
  • Extended Funding Options: It may be possible to receive an additional cash advance or select a cash-out option for a previously self-funded case.
  • Shift the Financial Risk: If you received a cash advance from another lending company or self-funded a case, refinancing can shift the financial risk to Fund Capital America.

Am I Eligible for Cash Advance Refinancing?

Eligibility depends on whether: 

  • You are a plaintiff being represented in a lawsuit and have already received a cash advance on your settlement.
  • You’re an attorney representing a client in a settlement and have received financing to fund a case.  
  • You have received a cash advance from another lender. 
  • You have self-funded a client’s case that is costing more than originally estimated.
  • You are a recipient of medical-legal financing.


  • Hernia Mesh
  • Knee/Hip Replacements
  • Hip Implants
  • Mirena IUD
  • Transvaginal Mesh

How to Apply for Cash Advance Refinancing

Our application process for cash advance refinancing is simple. Just fill out and submit our simple online form. There’s no credit check, and you don’t need to provide proof of employment or tax documents. To get started, all we need is:

  • Information on your prior cash advance
  • The name of the loan company
  • Documents showing why you need additional funding
  • Details on your insurance policy and limits
  • Evidence of increased costs of medical care, tuition, utilities, etc.

When you apply with Fund Capital America, a case manager will review your case and our underwriters will determine the new terms and how much cash to advance to you. We understand the financial strain personal injury clients experience and that circumstances can change. Our team is here to help the best we can.

Why Choose Fund Capital America

Fund Capital America has many years of experience in cash advance refinancing. We provide plaintiffs and attorneys with flexible and affordable financing options. Our team is familiar with the challenges of the legal process, is committed to excellent customer service, and creates personalized solutions for each borrower’s individual needs.

Other benefits of obtaining legal funding and refinancing from us include:

  • Fast turnaround times
  • No upfront fees
  • No win, no repayment
  • Competitive interest rates
  • Term-based payback
  • Flexible repayment terms
  • Commitment to transparency and honesty
  • No pressure to settle a case early

Frequently Asked Questions

How Are Repayment Terms Determined with Cash Advance Refinancing?

The terms of your agreement are determined by the merit of your case, the potential value of your settlement, and its expected timeline. Since we don’t expect repayment until then, each agreement is structured accordingly.

Why Are Interest Rates So High?

Providing a settlement cash advance and refinancing a previous one is risky. The funding company must cover the costs of cases that lose and don’t result in payback. However, we aim to provide the most competitive rates and be as transparent as possible.

How Much Funding Can I Receive?

At Fund Capital America, we offer settlement cash advances of up to $100,000. But each request is handled differently; we consider our offers based on the value of your case and a percentage that ensures you’ll still receive funds after we’re repaid. 

How Do I Start the Application Process?

Our application process is completely digital. There is no paperwork. All the details you and your attorney provide are used to draft an agreement. Our legal expertise enables us to analyze your type of case and customize the terms to your needs.

Can I Apply for Funding If I Have a Lawsuit?

Any plaintiff with a lawsuit can apply for legal funding or cash advance refinancing. If an accident has affected your earning capacity and you’re struggling to pay medical, rent, mortgage, or car bills, we can approve you for a cash advance. Attorneys who previously took advances or self-funded cases can also apply.

Apply Today for Cash Advance Refinancing

Fill out and submit our application form to determine your eligibility and receive funding within 24 hours. Cash advance refinancing can provide additional funds and restructure the terms of your agreement with lower interest rates and other benefits. Submit your details to start the application process or, for more information, contact us online or call (855) 870-2274.

Has your case settled, but you still haven't received your settlement check? apply for post-settlement funding with fca legal funding


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