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.
Decisions are typically made within 24–48 hours after your attorney submits case information. Funds can be sent the same day as approval.How much can I get?
Funding is usually a portion of your case value — often up to 10% while pending and up to 20% if settled, depending on the case.Do I repay if I lose?
This is non‑recourse funding. If there’s no recovery, you typically owe nothing back (based on the agreement and state rules).Does my attorney need to be involved?
Yes. Attorney involvement is required so funding stays aligned with your case and doesn’t interfere with legal strategy.
When you’re injured, the waiting hits different. Treatment costs, missed work, and everyday bills can pile up fast. Insurance tactics exploit this, often pushing personal injury plaintiffs toward rushed settlements.
Pre‑settlement funding can help cover essentials so you and your attorney aren’t making decisions under financial pressure. It doesn’t change your case — it just gives you breathing space while the process plays out.
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:
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.
**Illustration only — exact terms vary by case and state.
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 |
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.
| 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 | Medical iens 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?” |
With personal injury lawsuit funding, costs usually grow with time.
So the most protective approach is often to cover essentials first
(rent, utilities, car payment, groceries), then reassess later if your case progresses and you qualify for additional funding.
Bottom line: a “good” personal injury settlement loan isn’t just a low advertised rate. It’s clear math, clear caps, no surprise fees, and terms you can understand before you sign.
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.
A personal injury settlement loan (also called a lawsuit loan or pre‑settlement funding) is based on your case value — not your credit score.
At Baker Street Funding, you get an advance of only a portion of what your claim may be worth. That keeps the advance realistic while the case still has risk.
We look at what drives settlement value — fault, insurance, injuries, and documentation — and we confirm the case status with your attorney
If your estimated case value is $50,000, your funding amount is usually a fraction of that — around 10% ($5,000 as a settlement advance).
That structure helps you avoid getting boxed in later by taking too much too early.
With any personal injury lawsuit loan, payoff typically grows over time. The safest move is to take what covers the immediate pressure, then consider a second advance later (if available) instead of over-borrowing upfront.
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:
If you have suffered a catastrophic injury and the defendant has a high-value insurance policy, your funding potential may be higher. Because this is non-recourse funding — there’s no credit check and no upfront cost. Call (888) 711-3599 or apply online today to find out if you qualify.
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.
Baker Street Funding provides pre-settlement financing 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 underwriting decision typically takes 24-48 hours from the moment your attorney submits your case information. Funds are usually available the same-day after approval and contracts are signed.
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, case status, and manages repayment from the settlement. 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.
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.