Medical Lien Funding

Medical Lien Financing For Personal Injury Lawsuits

Medical lien funding unlike any other.

Transform the way you handle medical expenses with Baker Street Legal Funding’s innovative lien financing solutions. Trust in our expertise to secure the right funding for your client’s needs.

At Baker Street Funding, we specialize in lien-based medical care funding for under-insured or uninsured plaintiffs requiring surgery due to an accident. We also extend our financing solutions to healthcare providers, attorneys, and personal injury victims. But our commitment doesn’t end there.

Choosing Baker Street Funding means more than just securing financial resources; it’s about forging a partnership rooted in excellence and trust. We aim to elevate your practice by offering industry-leading financing services that go beyond mere transactions. With us, you’re not only a client—you’re a valued partner in a relationship designed to support you at every turn.

What is medical lien financing?

Medical lien financing is a specialized form of pre-settlement legal funding that directly pays for the medical procedures needed by victims involved in personal injury lawsuits that result from an accident. Medical liens secured by Letters of Protection (LOPs) serve as the backbone of this funding model, helping to finance uninsured or out-of-network patients injured due to negligence. Baker Street Funding specializes in medical lien funding by providing immediate capital to healthcare providers after funding approval.

This enables injured victims to receive high-quality care and allows healthcare providers to perform necessary procedures, knowing that upfront compensation is guaranteed. Overall, this risk-free financial structure eliminates the conventional risks of deferred or missed payments. Once the legal case is settled, the medical lien is paid off, closing the financial loop.

Unlock comprehensive solutions with medical lien funding for personal injury claims.

Managing the financial and legal aspects of medical liens, from inflated surgical costs to payment uncertainties, no longer has to be a point of stress. Baker Street Funding’s legal funding solutions are designed with you—the attorney, the lien-based doctor, and most importantly, the personal injury patient—in mind.

Purchasing hospital liens in personal injuries

Secure medical procedures free of risk

Eliminate financial uncertainties during personal injury claim proceedings with Baker Street Funding's lien-based medical care financing. Our non-recourse medical funding services are secured by Letters of Protection (LOPs) or medical liens. This means we assume all financial risks until your client's personal injury lawsuit reaches a settlement or award.  Leverage this risk-free financial structure to instill an extra layer of security for both healthcare providers and patients.

Expedite quality healthcare for your clients​

Don't let delays compromise your client's health or legal case. Baker Street Funding provides rapid liquidity for medical care, enabling healthcare providers to give injured parties the immediate medical attention they require. Put an end to delays that undermine your client's health or claim. Get access to 24-hour legal financing and facilitate the best possible outcome for everyone involved.

Medical lien financing
Medical lien financing companies

Ensure continuous treatment

Gaps in treatment can weaken a claim, putting both the patient and the attorney at a disadvantage, especially in cases requiring specialized surgical interventions like spinal fusion or laminectomy, which also demand significant financial resources. With Baker Street Funding's ample capital reserves, you can ensure that ongoing treatments are neither delayed nor skipped due to monetary constraints.

Foster trust through low rates

Elevated funding costs can put a dent in the attorney-client relationship. Baker Street Funding offers medical and surgical lien financing solutions that are both practical and conducive to rate reductions, starting as low as 2.95% per month, non-compounding. The result? A mutually beneficial arrangement— you provide your clients with a financially accessible solution, and you strengthen your professional relationships in the process.

Medical funding companies
lien-based financing

Remain reduction friendly

By offering direct payment to providers, Baker Street Funding enables surgical and medical lien funding solutions that are cost-effective. This approach not only often results in reduced surgery costs but also prevents inflated medical bills. Consequently, it establishes a financially prudent choice for medical professionals, attorneys, and their clients.

How it works.

Baker Street Funding serves as your centralized point of contact. We specialize in the coordination of financing lien-based surgery procedures and hospital fees. Our underwriting team is uniquely qualified, comprised entirely of former personal injury attorneys with a wealth of experience. This expertise enables them to conduct an expedient yet thorough review of the essential facts of your case, which leads to a quick financing decision. The medical lien funding process we’ve designed is simple, and it encompasses the following key stages:

Medical funding
Step 1


You provide us with a cost breakdown for the medical procedure(s).

Pre-settlement funding step 2


We then negotiate a cash value of that procedure with the medical provider.

Pre-settlement funding step 3


We then pay the medical provider the negotiated amount.

A top surgery financing company that makes medical care possible—for less.

More than a litigation funding company, Baker Street Funding is your strategic partner in maximizing client settlements. Our competitive rates start as low as 2.95% per month (non-compounding), and it covers all approved medical procedures in full. More than a litigation funding company, Baker Street Funding is your strategic partner in maximizing client settlements. Our competitive rates start as low as 2.95% per month, covering all approved medical procedures in full. With quick response time, we regularly help personal injury victims receive the medical care they need, ranging from minimally invasive surgeries to more complicated treatments.

Our years of industry experience have equipped us with medical lien financial solutions that simplify even the most complex personal injury claims, making medical care more accessible and at a low cost. Collaborate with us to negotiate interest rates and help your clients retain more of their settlement proceeds.

Beyond funding—a holistic approach to legal and medical support.

When it comes to legal representation, liquidity can be a game-changer. That’s why we equip attorneys with the tools they need to secure optimal settlements. With Baker Street Funding, you gain access to an extensive, top-tier network of doctors, surgeons, and medical facilities—all committed to treating personal injury victims on a lien basis. But that’s just the tip of the iceberg. Our engagement with you transcends the mere allocation of financial resources. It involves a comprehensive approach that not only expands healthcare alternatives but also enriches the quality of options accessible to your clients.

Frequently asked questions about medical lien funding.

When it comes to covering medical expenses in the context of a personal injury lawsuit, two primary options exist: medical liens and surgery funding. Each has its own set of implications for both the patient and the healthcare provider.

Medical Liens: In a medical and hospital lien arrangement, a healthcare facility claims a portion of the patient’s future legal settlement or jury award to cover the cost of medical services rendered. While this option provides access to care, it often comes with a limitation: the healthcare provider may cease further treatments until the existing bills tied to the lien are settled. This can be particularly restrictive for patients requiring ongoing medical care.

Surgery Funding: Surgery funding offers an alternative that can prevent the need to delay medical treatment. Here, healthcare providers are paid upfront once the patient’s case is approved. This allows uninterrupted medical care, irrespective of the lawsuit’s status.

Lien-based surgery financing serves as a form of financial protection for healthcare providers. It allows them to extend a comprehensive array of services—from diagnostic tests to surgical procedures—without the looming concern of deferred compensation or payment defaults.

With lien-based medical treatment financing, attorneys can ensure their clients not only get timely and adequate medical treatment but also substantiate their legal claims more convincingly. This approach amplifies the case’s value by underwriting the medical evidence required to validate damages. 

Plaintiffs benefit by gaining fast access to healthcare services without the financial burden of out-of-pocket expenses. This enables them to access the all-encompassing care essential for complete recovery.

The negotiated cash value for medical procedures is generally lower than standard medical lien costs. It’s a cost-effective solution for all parties involved.

The attorney handling the case repays the liens upon the lawsuit’s resolution—be it a personal injury settlement or damages award.

Eligibility criteria for medical and surgery funding.

  1. No-Fault Insurance Limitations: The patient must have reached the limit of their “no-fault” insurance coverage.
  2. IME Cut-Off: The patient has been subjected to an Independent Medical Examination (IME) and is no longer eligible for certain benefits.
  3. Exhausted PIP Benefits: Personal Injury Protection (PIP) benefits have been fully utilized, but third-party coverage is still available.
  4. Workers’ Compensation (Select States): This includes all types of commercial coverage and is applicable to taxi accident-related injuries in states where such cases are fundable.
  5. Type of Accident: The patient must have been involved in an accident that qualifies for funding, such as a slip and fall, car crash, motorcycle accident, semi-truck accident, etc.
  6. Medical Necessity: Documentation confirming that the medical procedures are necessary and directly related to the injuries sustained in the accident. This includes a letter from a healthcare provider and medical records.
  7. Pending Litigation: The lawsuit must already be filed, and the expected timeline for resolution should be provided.
  8. Legal Representation: Confirmation that the patient has legal representation, ideally specializing in personal injury cases.
  1. Licensing and Accreditation: Proof that the medical provider is licensed and accredited to perform the specific medical procedures.
  2. Medical Records: Comprehensive medical records that correlate the need for the procedure with the accident in question.
  3. Treatment Plans: Detailed treatment plans outlining the course of medical care, including any surgeries, therapies, or medications prescribed.
  4. Fee Breakdown: A detailed breakdown of fees is required, including Ambulatory Service Center (ASC) costs, anesthesia costs, Durable Medical Equipment (DME), and pharmacy expenses.
  5. Cost Estimates: An itemized list of estimated costs for the entire course of treatment, not just immediate procedures.
  6. Payment Recipients: The names and addresses of all entities that will receive payments must be provided.
  7. Insurance Correspondence: Any relevant medical insurance correspondence, such as denial letters or notices of exhausted benefits, should be submitted.

The following criteria are applicable to both patients and healthcare providers. These universal conditions serve as the backbone of our medical lien financing model, ensuring a seamless and transparent process for all parties involved.

Geographic Eligibility

  • Jurisdiction: Funding is available in select states. Confirm whether your state of residence or the state where the legal case is being pursued is eligible for funding.

Financial Logistics

  • Disbursement Schedule: Funds are disbursed to healthcare providers according to a predetermined schedule, ensuring timely payments.
  • Repayment Terms: Once the lawsuit concludes, repayment terms, including any applicable interest rates or fees, are clearly outlined.

Data Integrity

  • Data Privacy: Rest assured, all personal and medical data are handled with the utmost confidentiality, in strict compliance with HIPAA and other relevant regulations.

Eligible medical procedures and providers for personal injury lien funding.

Baker Street Funding offers a comprehensive funding model designed to cover a broad spectrum of medical procedures and healthcare providers. The list presented herein serves as an illustrative guide to our most frequently funded options and is by no means exhaustive. Additional procedures and providers not explicitly mentioned are also within the scope of our funding capabilities.

  • Neurosurgery: Includes diskectomy, laminectomy, and disc replacement.
  • Orthopedic Surgery: Covers a wide range of musculoskeletal issues.
  • Thoracic Surgery: Pertains to surgeries involving the thorax or chest.
  • Cardiac Surgery: Includes operations like bypass surgery and valve replacements.
  • General Surgery: Broad category including appendectomies, hernia repairs, etc.
  • Aesthetic Surgery: Limited to interventions related to accident-induced injuries.
  • Oral Surgery: Encompasses dental and maxillofacial surgeries.
  • Physical Therapy: Particularly for post-operative or injury-related rehabilitation.
  • Occupational Therapy: Focuses on improving daily living and working skills.
  • Speech and Language Therapy: For communication impairments.
  • Cognitive Therapy: Addresses issues like memory and problem-solving.
  • Pulmonary Rehabilitation: For respiratory issues stemming from the accident.
  • Evaluation and Diagnosis: Initial assessments and diagnostic tests.
  • Individual Therapy: One-on-one treatment sessions.
  • Prescription Medication: As prescribed for accident-related conditions.
  • Addiction Treatment: Only if the addiction is directly related to the accident.
  • Physicians: Both generalists and specialists.
  • Surgical Centers: Facilities specializing in surgical procedures.
  • Imaging Centers: For diagnostic procedures like MRIs and X-Rays.
  • Anesthesiologists: Professionals who oversee sedation and pain management.
  • Nursing Services: For post-operative care and home health services.
  • Rehabilitation Specialists: Including physical, occupational, and speech therapists. 
  • Durable Medical Equipment Suppliers: For medical equipment needed for recovery.
  • Addiction Treatment Centers: When addiction is related to the accident.
  • Home Health Care: For at-home recovery needs.
  • Long-Term Care Facilities: For extended medical care.
  • Hospitals: General and specialized hospitals.
  • Private Surgeons: For specialized surgical procedures.

In addition to commonly funded surgeries, Baker Street Funding extends its financial support to a range of specialized neurosurgical procedures. These surgeries are often necessitated by severe personal injuries and can be both complex and life-altering.

  • Craniotomy: For direct brain access, often required after traumatic brain injuries.
  • Hemispherectomy: A last-resort procedure for severe seizure disorders, potentially triggered by trauma.
  • Deep Brain Stimulation (DBS): Particularly relevant for movement disorders induced by traumatic brain injuries.
  • Ventriculostomy: To relieve intracranial pressure following severe head injuries.
  • Spinal Fusion: For spinal cord stabilization post-severe injury.
  • Microvascular Decompression: To relieve cranial nerve compression, often trauma-induced.
  • Endovascular Coiling: Minimally invasive treatment for aneurysms resulting from traumatic injuries.
  • Temporal Lobectomy: For treating trauma-induced severe seizure disorders.
  • Tumor Resection: For the removal of brain tumors unmasked by trauma.

Select a legal funding service to get started. 

Attorney Requests

Lawsuit Loans

Litigation Funding

Personal Injury Loans

Settled Case Loans

Surgery Funding

Or just call us at 888.711.3599 to apply.