Medical lien funding allows personal injury patients in California to receive medical care immediately — without paying out of pocket. Fund Capital America connects injured plaintiffs with a network of doctors, surgeons, and medical facilities that provide treatment on a lien basis, meaning they are paid directly from the patient’s settlement when the case resolves. There are no upfront costs and no repayment if the case is not successful.
Medical lien funding is a financing arrangement specifically designed for personal injury patients who need medical care but cannot afford it while their lawsuit is still pending. Here is how it works:
Medical lien funding is not a loan. It is a non-recourse arrangement — your obligation to repay is contingent on receiving a settlement or award.
After a car accident, slip and fall, or other personal injury incident, you may need treatment immediately — but your ability to pay for it may be severely compromised while you are out of work and waiting for your case to settle. Medical lien funding removes that barrier.
The amount of medical lien funding you may qualify for depends on the severity of your injuries, how and where the injury occurred, the medical expenses associated with your treatment plan, any property damage in the incident, and whether your attorney believes punitive damages may apply.
Medical providers — doctors, surgeons, specialists, and facilities — take on significant financial risk when they treat patients on a lien basis. Personal injury cases can take a year or more to resolve, and a lien by itself does not guarantee payment. Medical lien funding from FCA solves this problem.
Medical lien funding through FCA can cover a wide range of treatment services for personal injury patients, including:
If your treatment type is not listed above, contact us — our network covers a broad range of specialties and we will confirm whether your case qualifies.
Complete our online application with your contact information, attorney’s name and phone number, and details about your injuries and required treatment. This takes approximately five minutes.
Our team reviews your case details, confirms your attorney is involved, and locates a qualified medical provider in our network near your location. We will contact your attorney directly to gather any additional information needed.
Once funding is approved, we connect you with the treating doctor or facility and send you their contact details so you can schedule your appointment directly. Treatment typically begins within days of approval.
The lien is repaid from your legal settlement or court award when your case is resolved. Your attorney will coordinate the payoff directly with FCA and the medical provider as part of the settlement disbursement process.
If your personal injury case is not successful, you owe nothing for the medical care provided under the lien. This is the non-recourse nature of medical lien funding — there is no personal liability if your case does not result in a settlement or award.
The medical lien will be deducted from your settlement as part of the final disbursement. Your attorney will negotiate with FCA and the provider on your behalf to ensure the lien is paid at the lowest possible amount, often at a reduction from the original treatment cost.
Treatment under medical lien funding must be provided by a doctor or facility within FCA’s network. We have a large network of qualified providers across California covering a wide range of specialties. If you have a preferred provider, contact us and we will confirm whether they are in our network or can be added.
Most personal injuries resulting from accidents, negligence, or intentional acts qualify for medical lien funding, including car accidents, motorcycle accidents, slip and falls, construction accidents, dog bites, and more. The most important factor is that you have an active personal injury case and are represented by an attorney.
In most cases, we complete the review and confirm funding approval within 24 hours of receiving your completed application and speaking with your attorney. Treatment can typically begin within a few days of approval.
Funding amounts vary by case and are based on the severity of your injuries, the expected value of your case, and the specific treatment required. There is no fixed maximum — each case is evaluated individually.
Yes. You must be represented by a licensed personal injury attorney to qualify for medical lien funding. Our team will contact your attorney directly as part of the application process.
Do not let the cost of medical care stop you from getting the treatment your injuries require. Fund Capital America will connect you with qualified doctors and specialists in our California network who will treat you now — and wait for payment until your case settles.
There are no upfront costs, no monthly payments, and no repayment if your case is not successful. Apply online or call us at (855) 870-2274. We are available Monday through Sunday, 8:00 AM to 6:30 PM.