Pre-Settlement Lawsuit Loans - Financial Support When You Need It Most

 No-win, no fee – only pay if you win your case.

Facing financial uncertainty during a pending lawsuit? Baker Street Funding offers lawsuit loans that provide transparent, no-win-no-fee financial support. Quick, compassionate, and fair —Baker Street Funding helps you stay financially stable while you wait for your settlement.

Your peace of mind is just a click away.

Apply for a quick lawsuit loan online.

Get the lowest interest rates starting at 2.95% to 3.4% monthly (simple), with a 3-year cap in as little as 24 hours. With Baker Street Funding, you can rest easy knowing you’re in good hands.

Eligibility Based Solely on Case Merits.

No employment or credit check needed.

No Repayment if You Lose Your Case.

Because your focus should be on your fight, not your wallet.

Flexible Funding Amounts.

Pre-settlement loans from $1,500 to over $10,000,000, depending on the value of your case.

Same-Day Cash Advances.

Quick application process and direct coordination with your attorney, with funds delivered the day of approval.

Continuous Support.

Dedicated team support from start to finish, with additional funding as your case progresses, if needed.

Understanding lawsuit loans

What is a lawsuit loan?

A lawsuit loan, also known as legal funding or pre-settlement funding, is not a traditional loan. It’s a non-recourse cash advance against your potential court settlement. If you win your case, you repay the loan plus interest rates and fees. If you lose, you owe nothing, making it a risk-free financial support option during your lawsuit.

Lawsuit loans can be obtained at various stages of your legal process. For instance, pre-settlement funding provides financial relief while your case is ongoing, helping you cover urgent costs. In contrast, post-settlement funding helps you manage expenses while waiting for your settlement payout.

Risk free legal funding

How you can use your lawsuit loan.

Understanding the flexibility of how you can use your lawsuit loan is as important as knowing you’ll receive one. At Baker Street Funding, we make sure that you have the freedom to use your pre-settlement loan for things like:

  • Medical Bills. Reduce stress while you focus on your recovery.
  • Living Expenses. Keep up with daily costs, from groceries to utility bills, so that your quality of life doesn’t suffer.
  • Rent or Mortgage Payments. Stay secure in your home by making monthly housing payments on time.
  • Debt Payments: Manage loans or credit card debts that could escalate if left unattended.
  • Child Support: Consistently meet your family’s obligations.

How do lawsuit loans work? Simplified application process in 4 easy steps.

Personal injury lawsuits can be unpredictable and lengthy, but accessing financial support shouldn’t be. That’s why our lawsuit loans, also known as pre-settlement funding, get you the money you need as quickly as possible. Here’s how to apply:

Eligibility Note: To be eligible for pre-settlement funding, you are required to have an attorney.

The advantages of our risk-free lawsuit loans.

Experience unparalleled financial freedom with our non-recourse lawsuit loans—funds when you need them, with no strings attached.

Zero Repayment If You Lose

In a legal fight, the repayment of a loan should be the least of your concerns. With Baker Street Funding, if you don’t get a settlement or court award, you don't pay us back. It’s that simple.

No Income or Credit Checks, Total Freedom

Don't let a bad credit score or lack of income documentation deter you. Our lawsuit loans are designed with inclusivity in mind, irrespective of your financial past. It's all about the strength of your case.

Say Goodbye to Monthly Repayments

Wave goodbye to the worries of monthly repayments and the fear of growing debt. Secure funding without impacting your financial health.

Full Asset Protection

Your assets stay yours, regardless of your case's outcome. Our non-recourse loans mean that your personal property remains untouched.

A lawsuit loan can even help you get a fair settlement.

In the midst of the legal process, financial reserves can dwindle, leaving you in a tight spot. This is common in civil lawsuits, with over 400,000 cases ongoing nationwide. Insurance companies often delay settlements to increase financial strain on plaintiffs.

Studies suggest that defendants use delay tactics to minimize their legal expenses, pressuring plaintiffs to settle sooner, for less. (Miceli, 1999; Feinman, 2008; Hubbard, 2018).

Baker Street Funding’s lawsuit loans, or as we like to call them, “legal lifelines,” provide the much-needed breather during the stress of civil litigation. Our advances allow you to continue with your daily life and give your attorney the extra time to pursue the best possible outcome for your case.

Personal injury lawsuit loans provide the financial freedom to make decisions that best fit your life circumstances, especially during the stress of settlement negotiations. You won’t have to rush to an early and undervalued settlement due to financial hardships.

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Choose Baker Street Funding for all your lawsuit loan needs.

Look, we get it. Life doesn’t stop for a lawsuit. Rent, medical bills, or just keeping the lights on—these needs don’t take a timeout. With Baker Street Funding, you gain access to quick lawsuit loans that provide financial stability during critical moments in your legal battle:

Expand to see exclusive services only at Baker Street Funding


Secure low-interest lawsuit loan—terms you can trust.

Dealing with a lawsuit? Don’t let high loan costs add to your stress. Baker Street Funding specializes in risk-free lawsuit loans with the lowest rates, designed to keep more of your settlement in your pocket—just as it should be.

low interest rates

Fund your case with Baker Street Funding and experience favorable terms that let you manage your lawsuit without sacrificing your settlement.

Lawsuit loan regulations—our commitment to transparency.

Unlike traditional loans, lawsuit loans are not uniformly regulated by federal laws, which means protections can vary significantly from one state to another. At Baker Street Funding, we prioritize fairness and transparency in legal funding regardless of state-specific regulations. Here’s how:

  1. State-Specific Compliance. We adhere to all local legal requirements in regulated states.
  2. Transparency as Policy. In areas with minimal or no specific regulations, we voluntarily follow federal guidelines to protect you from unexpected liabilities.
  3. Cancellation Policy. Cancel your pre-settlement funding agreement after completion within 5 days.

With Baker Street Funding, experience fair dealings in every interaction. No hidden fees, no penalties for early repayment, and a surprise-free journey to securing your financial needs with ease.


Remember, choosing the right lawsuit loan company helps you avoid predatory lending.

Pre-settlement advances from the best lawsuit loan companies in the United States help avoid the pitfalls of funding your case through predatory lenders. The best pre-settlement loan companies can close a transaction for you in as little as 24 hours. Being recognized as the best lawsuit funding company nationwide, Baker Street Funding prioritizes transparency and helps you find the right cash advance fast. 

Baker Street Funding Other Lawsuit Lenders
Funding Amounts $1,500 - $2MM Up to $250,000
Cap 3-year cap No cap
Monthly Interest Rate 2.95% - 3.4% (simple) 2.95% - 5% (compounding)
Underwriting Time 24-48 hours 5 - 7 days
Contracts Costs as advertised Show another number on contract

Client testimonials: real stories of success with our lawsuit loans.

“Baker Street Funding definitely came through for my son during a difficult time. They are professional, yet listen to personal needs and respond accordingly.”

Ms. Lane

rates stars
No hidden fees

Explore firsthand accounts from clients across the country and see how we can help you too.

Your checklist for a prudent legal funding decision.

Selecting the right lawsuit loan company can greatly influence your financial ease during a pending lawsuit.

Pick a reputable lender known for its integrity and expertise in personal injury litigation. A strong reputation usually signals high-quality service.

Time is of the essence in a personal injury claim. Opt for a lender known for fast processing, without any fuss.

Check for lenders that clearly state all interest rates and fees upfront. Go with someone who offers clear, no-nonsense terms with capped and non-compounding rates.

Since legal funding is not federally regulated and state protections vary, have your lawyer review your loan agreement. Borrow only what you need.

Secure your financial future today – apply for a lawsuit loan.

Applying for a lawsuit loan with low rates and transparent terms is a breeze with Baker Street lawsuit money lender. Simply call (888) 711-3599 to speak with one of our U.S.-based funding specialists, and your application can be completed in minutes.

Unlike other pre-settlement funding companies, we charge only simple interest. Know upfront the maximum you might owe, with no hidden fees. Your application carries no commitment until a contract is signed. Apply today for fast approval.

lawsuit settlement loans with low rates

Lawsuit loan FAQ.

A lawsuit loan isn’t a loan in the traditional sense. Unlike a bank loan, where repayment is guaranteed regardless of circumstances, a pre-settlement lawsuit loan is considered an investment in a portion of your anticipated settlement. It provides financial support directly tied to the future success of your legal case.

This means if your lawsuit reaches a favorable settlement or is awarded a judgment in court, only then is the loan repaid with an added interest rate and fees. If not, you don’t need to return the funds.

This non-recourse nature means you only repay if you win.

Pre-settlement funding works by providing you with a cash advance based on the expected value of your lawsuit settlement. This funding acts as a lien on your future settlement, meaning that once your case is resolved and you receive your settlement, the lender is repaid, plus any agreed-upon interest and fees, directly from those funds.

Like lawsuit loans, pre-settlement funding is also non-recourse.

If you’re involved in a legal battle, especially one related to personal injury, you may be eligible to borrow money against your pending settlement or lawsuit judgment. To qualify, you must have an attorney, and a case worth $50,000+.

Settled claims: If you’re expecting a settlement check of over $50,000 but haven’t received it yet, you might be able to get a lawsuit loan.

However, outstanding debts like bankruptcy or child support will automatically be taken out of the money you get from your case, and can affect your eligibility for legal funding.

Learn more: How To Borrow Money Against Your Pending Lawsuit?

No, you can only get a loan from your future settlement if you have a lawyer who agrees to work with Baker Street Funding and signs off on the financing agreement.

Learn more: Can I Get Pre-Settlement Funding Without My Attorney’s Consent Or Signature

Yes, credit and employment status don’t affect funding eligibility. Your credit score remains unaffected.

On average, Baker Street Funding provides fixed interest rates, varying from 2.95% to 3.4% per month.. However, your rate will ultimately depend on the risks and complexity of your claim—stronger cases tend to unlock lower rates.

An interest rate on a lawsuit loan stays the same for the life of the loan. Plus, you’ll get a 2-3 year capped rate. If your case takes longer than two or three years to settle, you won’t pay extra interest. Our caps protect you from high costs that can reduce your financial compensation when it’s time for repayment.

Want to calculate how much funding will cost you? Check out our Lawsuit Loan Calculator.

Your attorney handles the loan repayment from your settlement or lawsuit award within 3 to 14 days.

Since our lawsuit loans are non-recourse, you won’t owe us anything if your case is unsuccessful.

Depending on your case strength and previous funding costs, you may be able to consolidate your old loan with a new one from us at a lower rate.

You can get as many lawsuit loans as your case allows. Strong claims can qualify for additional funding when needed. While not all cases support multiple advances, 80% of claims at Baker Street Funding come back for more money.

Learn more: How Many Loans Can I Get For My Lawsuit Settlement?

We offer same-day pre-settlement loans for personal injury cases, with funds typically available within 24-48 hours from when the attorney shares the case file. Other products like litigation funding may take longer.

While lawsuit loans offer a tremendous amount of relief, there are other ways to get money while waiting for a settlement.

These alternatives include insurance proceeds, disability payments, or assistance from friends and relatives. Banks do not offer settlement loans, but you may consider contacting your credit union or local bank for an installment loan.

Lawsuit loans can be a valuable resource if you’re struggling to cover essential expenses during a lengthy legal battle. They provide quick access to cash, helping you manage daily costs like medical bills, and living expenses while waiting for your lawsuit to settle.

While they come with interest rates and other costs, which can reduce your final settlement amount, their non-recourse nature means you only repay if you win your case. That’s why important to weigh the immediate financial relief they offer against the potential costs, ideally in consultation with your attorney, to determine if this option suits your situation.

Read more: Are Lawsuit Loans Worth It? Pros And Cons Of Getting One.

Lawsuit Loans:

  • Coverage: Both active civil cases and settled claims.
  • Repayment: Non-recourse: Repayment is only required if you win your case.
  • Stage: Can be obtained after a settlement is reached but before funds are disbursed.

Pre-Settlement Funding:

  • Coverage: Provides a cash advance before your case reaches a resolution.
  • Repayment: Non-recourse: Repayment is only required if you win your case.
  • Stage: Primarily used to cover immediate expenses during litigation

We tailor your funding agreement so you only borrow what you need. Unlike several lenders, we guarantee transparent and reliable non-recourse funding free of hidden fees.

InterestNon-compounding starting at 2.95% p/month
Loan protection2-3 year cap
Funding time24 hours
Average loan amounts$10,800
Funding amounts$1,500 up to $10mm
Type of loanNon-recourse
Workers’ comp eligibilityDepends on the state
Personal injury claim eligibilityYes
Civil rights case eligibilityYes

What you need to know about your lawsuit loan evaluation criteria for qualification.

Pre-settlement lawsuit loan companies evaluate personal injury claims by assessing several key factors to determine the likelihood of a favorable settlement or verdict and the potential amount of recovery. However, if you haven’t filed your lawsuit yet and the statute of limitations has expired in your state, unfortunately, lawsuit funding won’t be available.

Here’s a detailed overview of the evaluation process:

  • Merits of the Case. We review the facts to determine the strength of your case and the likelihood of proving the defendant’s liability. We also assess the extent of your injuries, medical costs, lost wages, and other losses. Additionally, we carefully examine whether your injuries directly resulted from the defendant’s actions.
  • Case Documentation. Depending on your case, we may require detailed documentation such as medical records, accident reports, expert testimony, legal filings, police reports, settlement offers and expert opinions.
  • Impact of Percentage of Fault. In jurisdictions where fault impacts compensation, your percentage of fault will affect the potential lawsuit cash advance amount. Lesser fault on your part generally means higher potential compensation and, thus, may qualify you for more substantial funding.
  • Attorney’s Reputation and Engagement. Experienced attorneys with a history of successful personal injury cases, who provide well-documented cases and proactive legal strategies, are viewed positively. Legal cash advances aren’t released without your attorney’s involvement.
  • Insurance: 98% of lawsuit lenders only fund cases where the defendant has adequate insurance coverage. This verifies that there are sufficient settlement funds available to potentially cover a significant lawsuit settlement or judgment
  • Case Progression. Cases with progressed discovery and strong evidence are more attractive for funding.
  • Settlement History and Trends: We consider past settlement amounts and typical jury awards in your jurisdiction.
  • Risk Assessment. We conduct a risk-benefit analysis to determine the potential return on investment.
  • Funding Proportion. We prefer to advance funds up to 10% of the expected settlement to minimize risk, and up to 20% if your case has settled.


Ready to get started? It’s easy.

Opting for a lawsuit loan means you’re not just scraping by—you’re strategizing. It’s about making a savvy move that lets you stay in the fight without losing sleep over your bank balance. And remember, if things don’t pan out, you’re not on the hook. That’s right, if the victory isn’t yours, the loan disappears into thin air. So why not give yourself the upper hand?

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.