A personal injury settlement loan can help cover bills while you wait for a fair outcome. It’s non-recourse, so repayment typically comes from the case result.
A personal injury loan, also known as a lawsuit cash advance or legal funding, provides a risk-free cash advance against your future settlement. This type of funding helps you manage living expenses, medical bills, and other costs while awaiting your injury claim resolution.
All financing from Baker Street Funding is non-recourse, meaning your attorney repay us from your personal injury settlement or judgement. If your case doesn’t result in compensation, you keep the money—no strings attached.
Need cash before your personal injury settlement? Our lawsuit loan process is quick and easy, with funds available within hours of approval.
Apply online or by calling (888) 711-3599. Provide basic data about your accident and personal injury case. A funding expert will then contact you to complete the qualification. No credit checks.
Upon acceptance, underwriting will contact your attorney to review your damages and evaluate the case strength and potential settlement amount. This takes 24 to 48 hours.
After approval, you and your legal representative will sign the funding contract. Upon execution, you’ll receive the funds the same day.
Documents we typically require are:
A personal injury settlement loan (also called a lawsuit loan or pre‑settlement funding) is based on your case value — not your credit score.
Most funding companies advance only a portion of what your claim may be worth, because the case still has risk.
Your offer usually comes down to a few real-world factors:
If your estimated case value is $50,000, your funding amount is usually a fraction of that (10% or $5,000 as a settlement advance), not the full number.
That’s intentional — it helps keep the advance reasonable so you’re not boxed in later.
With any personal injury lawsuit loan, the payoff typically grows over time. So the safest move is usually to take what covers the immediate pressure, then consider a second advance later (if available) instead of over-borrowing upfront.
Here’s the clean truth: a personal injury lawsuit loan isn’t priced like a bank loan.
It’s typically a non-recourse cash advance — meaning repayment usually comes from the case recovery, and if there’s no recovery, you may owe nothing (based on your agreement and state rules).
Most settlement advances use one (or a mix) of these:
What matters is not the label — it’s the payoff over time.
Simple means the cost increases in a straight line each month.
Compounding means fees can grow faster because the fee gets charged on prior fees too.
If your terms are non‑compounding, say it clearly here. If not, be direct about compounding.
Below is an example using a $5,000 advance and a 3% simple monthly rate.
Estimated payoff (simple monthly pricing):
| Time Since Funding | Estimated Payoff |
|---|---|
| 6 months | $5,000 + ($5,000 × 0.03 × 6) = $5,900 |
| 12 months | $5,000 + ($5,000 × 0.03 × 12) = $6,800 |
| 18 months | $5,000 + ($5,000 × 0.03 × 18) = $7,700 |
| What you’re comparing | Why it matters in personal injury cases | What you should ask |
|---|---|---|
| Interest type (simple vs compounding) | PI timelines can stretch with treatment and negotiations | “Is it simple or compounding, and how often?” |
| Repayment cap | Protects you if the case takes longer | “Is there a cap, and when does it kick in?” |
| Fees | Fees change the payoff more than people think | “Any origination, underwriting, wire, or monthly fees?” |
| Lien awareness | Liens can reduce net proceeds | “Do you factor liens into the offer?” |
| Payoff transparency | You should know the math before signing | “Can I see a written payoff estimate?” |
Disclaimer: This content is for informational purposes only and does not constitute legal advice. Pre-settlement funding is non-recourse and is repaid only from the proceeds of a successful settlement or verdict. Terms vary by case and are subject to attorney review and applicable state rules.
If you have an active personal injury lawsuit and need cash before your case settles, you may qualify for pre-settlement funding. Baker Street Funding provides non-recourse lawsuit loans—meaning you only repay if you win. Our process is fast, attorney-coordinated, and designed to relieve financial stress while your case is still pending.
To qualify, you’ll need:
There’s no credit check and no upfront cost. Call (888) 711-3599 or apply online today to find out if your case qualifies.
We know lawsuit delays can heighten financial strain, often pushing personal injury plaintiffs toward rushed settlements. Insurance tactics exploit this, but our lawsuit loans shift the balance—providing cash to cover essentials, so you hold firm for what you deserve.
With non-recourse funding, you gain leverage: ease immediate pressures, empower your attorney to negotiate stronger terms, and avoid undervalued offers. It’s about reclaiming control, focusing on justice without compromise.
Personal injury cases take time for a reason — treatment, records, negotiations, liens, the whole thing.
We focus on giving you financial breathing room while your case moves forward, with terms you can understand before you commit.
For many, the decision to take a lawsuit loan is driven by immediate financial need. Baker Street Funding provides pre-settlement financing to help relieve financial stress, and is available for a wide range of personal injury claims. If you are unable to locate your case, please contact us at (888) 711-3599 to inquire about our ability to finance your case.
Here’s what we typically fund:
We fund motorcycle crashes, truck collisions, pedestrian injuries, and bicycle accidents.
Did you know? Approximately 6 million car accidents occur annually in the US, resulting in 3 million injuries (Insurance Information Institute).
Covering surgical errors, misdiagnoses, or birth injuries, including Veteran Affairs claims.
Financial relief for families who lost loved ones due to negligence across the nation.
Funding for injuries from negligent security, pool accidents, subway accidents, slip and falls, and more.
Cash advances for cases involving bedsores, malnutrition, mistreatment, or inadequate care in long-term care facilities.
Defective machinery, dangerous drugs, or faulty medical devices causing harm.
Want one-on-one assistance? Our personal injury loan specialists are standing by to help you find the answers you are looking for and the options that best fit your financial needs.
The Pre-settlement funding process typically takes 24-48 hours from the moment your attorney submits your case information to the funding decision.
You may receive up to 10% of your case’s value if it is still pending or up to 20% if it has already settled. For example, if your case is worth $100,000, you could get up to $10,000.
No, our funding products are non-recourse, and secured by your eventual settlement proceeds. You don’t need collateral, a credit check, or proof of income to obtain one. Once your case resolves, repayment will come directly from your insurance settlement, or jury verdict.
If your case is unsuccessful, you owe nothing back— so there’s no risk to your personal finances.
Yes, rates are capped in the second or third year of the funding. There are no additional charges if your case takes longer to settle.
Yes. Attorney involvement is required for personal injury pre-settlement funding.
Your lawyer’s participation helps confirm key details about your case, including liability, damages, and case status. It also ensures that funding does not interfere with your legal strategy or attorney-client relationship.
This added layer protects you. It helps prevent over-funding, keeps everything transparent, and aligns the funding with your attorney’s professional judgment—so you stay in control of your case from start to finish.
Yes, we provide surgery and medical lien lawsuit funding in connection with a personal injury claim. Baker Street Funding can cover the cost of your surgery with immediate cash payment in full pre-operation, with repayment only required after you receive compensation.
Learn more about Medical Lien Funding For Personal Injuries
Yes. You can use a personal injury lawsuit loan for various purposes, including medical bills, living expenses, mortgage or rent payments, vehicle repairs, child support, credit card bills, and any other essentials.
The cost of a personal injury lawsuit loan depends on several factors, including the strength of your case, how long it takes to resolve, and the amount of funding you receive. Since pre-settlement funding is non-recourse, you only repay if you win or settle your case.
There are no upfront fees, no credit checks, and no monthly payments. All costs are fully disclosed in advance, in plain language, so you can understand how repayment grows over time before deciding whether funding makes sense for you.
| Rate | Non-compounding starting at 2.95% p/mth |
| Terms | 2-3 year cap |
| Funding time | 24-48 hours |
| Amounts | $1,500 up to $2.5 mm |
Potentially, yes. Your eligibility depends on a doctor’s assessment and medical history proving that the recent accident caused more harm.
We commonly approve funding for these injuries:
Yes, you can apply for additional lawsuit funding as your needs arise, and your case grows.
No penalties for early repayments and no upfront charges.
Yes, if:
Baker Street Funding offers personal injury loans to residents in 42 states across the US, regardless of the location where their case has been filed.
For specific state restrictions, contact us directly at (888) 711-3599 or visit our states we fund page here.
You’ve been through enough. Don’t let financial stress add to your burden. With Baker Street Funding, relief is just a call or click away. Apply now for fast, risk-free pre-settlement funding tailored to personal injury plaintiffs.
No credit checks, no employment verifications. We take the risk, not you. If you don’t win your case, you don’t pay us back.
The period following an injury can be incredibly tough. Reduced income and mounting expenses can quickly erode your financial standing. Being smart with your finances can save you a lot of headaches.
Explain your situation to creditors and ask for payment plans or temporary relief. Some may reduce interest rates or waive fees if you demonstrate financial hardship.
Not sure if a personal injury loan is right for you? Learn more about making a smart financial decision.
Select a legal funding service to get started.
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Or just call us at 888.711.3599 to apply.