Fund Capital America (FCA) provides non-recourse legal funding to personal injury plaintiffs throughout California. If you have an active lawsuit and need money now to cover bills, rent, or medical expenses, you can receive a cash advance on your expected settlement — with no credit check, no monthly payments, and nothing owed if you lose your case.
➞ Paperless
➞ Handled by Expert Underwriters
➞ Merit-based
We’ve made it easy to take a cash advance while awaiting your settlement. Many plaintiffs give up on their lawsuit because it’s too expensive, but legal funding provides the financial support you need while pursuing your case. And it’s not as complicated as many people think. To apply for a cash advance on a pending lawsuit:
Provide your contact information, your lawyer’s name/phone number, and the requested cash advance amount. It takes less than 5 minutes to submit your application.
Our team of legal experts and underwriters will get all the information they need to make an offer. A member of our staff will call to review the details of your application.
We usually make an offer within 24 hours, after speaking with your attorney about the case. If you accept, we’ll email your contract to review. You can accept our full offer or only as much as you need for a cash advance on a pending lawsuit.
Personal injury lawsuits can take months or even years to resolve, leaving plaintiffs in financial strain while waiting for settlement. Medical bills, living expenses, and other immediate costs can pile up, making it difficult to stay afloat.
In California, pre-settlement funding can be an actual solution to this problem. In this financial solution, the plaintiff may receive a significant amount of the settlement expected when the case is closed. Therefore, giving them access to much-needed finances at a challenging time.
Legal funding — also called a lawsuit cash advance or pre-settlement funding — is a financial arrangement that gives personal injury plaintiffs access to a portion of their expected settlement before their case is resolved. It is not a traditional loan.
Unlike a bank loan, legal funding is non-recourse. That means if your case is dismissed or you do not win, you owe Fund Capital America nothing. Repayment only applies if you receive a settlement or court award.
Personal injury cases in California can take months — or years — to settle. In the meantime, your bills do not stop. Legal funding helps you:
Applying with Fund Capital America takes less than five minutes and requires no credit check. Here is how the process works:
Complete our short online form. You will need to provide your contact details, your attorney’s name and phone number, and the amount of funding you are requesting.
Our team of legal funding specialists will contact your attorney to review the details of your case. We evaluate the strength of your claim, the nature of your injuries, and your likelihood of winning — not your credit score.
We typically make a funding offer within 24 hours of speaking with your attorney. Once you accept and sign your agreement, funds are transferred directly to you — usually on the same day.
No. Legal funding is classified as a non-recourse cash advance, not a loan. Because repayment is contingent on winning your case, it is treated differently under California law than a traditional consumer loan. You will not find it on your credit report, and missing a payment cannot happen — there are no monthly payments at all.
Before accepting funding from any company, ask about the following:
At Fund Capital America, we use simple interest rates with a cap, and we provide a full written repayment schedule before you commit to anything.
Legal funding is not right for everyone, but it may be the right choice if:
A pre-settlement cash advance removes the financial pressure that forces many plaintiffs to settle early and for less than they deserve.
The amount you can receive depends on the specifics of your case, including the severity of your injuries, the strength of your liability claim, any property damage involved, and whether punitive damages apply. Fund Capital America evaluates each case individually. You may also choose to accept only a portion of the offer — you do not have to take the full amount.
PRODUCT LIABILITY
MEDICAL DEVICES
ATHLETE INJURIES
In most cases, we make a funding decision within 24 hours of speaking with your attorney. If your application is approved, funds are typically transferred on the same business day you accept the offer
No. Legal funding is based entirely on the strength of your case, not your credit history. We do not run a credit check, and receiving funding will not affect your credit score.
If your case is not successful, you owe Fund Capital America nothing. This is what makes legal funding non-recourse — your obligation to repay only exists if you win a settlement or court award.
Yes. We require that you have an active personal injury lawsuit and be represented by a licensed attorney. Our team will contact your attorney directly to review your case details before making an offer.
Yes. There are no restrictions on how you use the funds. Most clients use legal funding to pay rent, mortgage, medical bills, utilities, or day-to-day living expenses while they wait for their case to settle.
Pre-settlement funding is provided while your case is still active and pending. Post-settlement funding is available after a settlement has been agreed upon but before the check is issued — which can sometimes take several additional weeks or months.
Yes. Fund Capital America serves personal injury plaintiffs throughout California, including Los Angeles, San Francisco, San Diego, Riverside, Orange County, and the surrounding areas.
FCA uses simple interest, not compound interest. We also apply a rate cap, which means your total repayment amount will never exceed a set maximum regardless of how long your case takes to resolve. We provide a full written repayment schedule before you sign — so you always know exactly what you owe.
Completing our application takes less than five minutes. There is no credit check, no upfront cost, and no obligation. Our team will review your case and contact you within 24 hours with a funding offer.
Call us at (855) 870-2274 or submit your application online now. We are available Monday through Sunday, 8:00 AM to 6:30 PM.