Settlement Cash Advances

Turn a portion of your pending settlement into a cash advance.

Get access to a quick advance before your case settles with fixed rates from 2.95% per month. No credit is needed. 

settlement cash advance

A settlement advance is cash you borrow from your future injury case payout to cover your expenses and then repay those funds once you get financial recovery. This financing option should not be confused with traditional loans because the repayment is contingent on the successful resolution of your legal action against a defendant. You may be able to get a cash advance on your pending lawsuit settlement or award if you are an accident or a civil rights victim seeking damages over $50,000. Processing time typically takes 24 hours.

pre-settlement funding companies

Pre-settlement money for what you need—and when you need it.

Explore all the ways an advance on your legal case can simply make your life easier—and yes, it is completely doable. If you are looking to get a loan before your settlement check arrives, Baker Street Funding can turn part of your pending lawsuit or claim into cash now. We’ll work with you to find the best financing solution to fit your current circumstance during your personal injury case. Receive pre-qualification minutes after you apply and have confidence knowing our funding team is transparent and professional at all times. With our settlement cash advances, you can tap into a part of your probable financial compensation and use the money to cover your cost of living at no risk.


How it helps

Pre-settlement cash advances are designed to help you get the money you need for financial relief while you comfortably wait for your legal case to resolve. Plaintiffs awaiting a settlement or jury verdict during a personal injury lawsuit or civil rights claim can make good use of these advancements when financial obligations need to be met.

Pay your immediate bills

Use the cash advance from your lawsuit or claim to make rent, car, and other bill payments.

Receive a better settlement

A cash advance for settlement purposes may also be a good idea if the defendant offers a much lower payout than the fair value of your claim.

Refinance your old advance for less

Reduce charges on your old advance by refinancing it with Baker Street Funding with our pre-settlement funding buyout program.

Pay for surgery costs

Get your upcoming surgery paid in full with our surgery financing for accidents and reduce the cost of the procedure.

Why Baker Street Funding?

Lawsuit cash advances

Same day funding.

We make it as fast and easy as possible for you to start fixing your financial burden from the injury so you can begin to take control of your finances while you wait for a fair settlement offer or out-of-court award.

No hidden fees.

Swap hidden fees or markups and get lower rates than other lenders. There are no more fees different than what you see on the agreement.

Pre-settlement loans over $5,000
Lawsuit funding loans

Contract match.

Show us the other lender's agreement and get a contract match. With a lower fixed interest rate on all our settlement advance agreements, we could substantially lower how much you will pay once you win your case.

Save on interest.

Baker Street Funding can provide better rates so you can save on interest. Our rates range from 2.95% to 3.4% non-compounding monthly, capped in the 3rd year from when you out your last advance. Pay nothing more if you don't settle your injury claim after the cap.

Low rate pre settlement funding

Easy process.

Borrowing from a pending settlement is easy and fast. Plus, once again, there are no credit pulls or income proofs. Only pay after settling your injury case.

Cash advance on settlement 8

Save thousands with our low interest rates.

Accessing an advance from the potential settlement in your case from us could be a great alternative to using other financing options with much higher rates. Our advance funding option gives you extra cash before your settlement concludes to help you get back on your feet and improve your financial situation at ease.

Baker Street Funding Other funding providers
Funding amounts $1,500 - $2mm Up to $250,000
Cap 3 year cap No cap
Monthly 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

Get the cash you need with an advance for your settlement today.

Tap into a portion of the compensation you expect to receive and relieve financial stress now. Applying for a settlement advance with Baker Street Funding is incredibly simple and can be done all in minutes. And if you want one-on-one assistance, one of our team members is ready to help. Call us now at 888-711-3599 to get started.


Settlement advances go up to 10% of the value of your personal injury claim or court-ordered damages award. Conditional on how strong enough your case is—our pre-settlement cash amounts vary between $1,500 to $2mm.

You can start by applying online. It is important to contact your lawyer to give them permission to communicate with the lender. Your attorney will be involved in all matters regarding the lawsuit financing process. Before considering your case for funding, your attorney is required to provide your file information.

Then, a team member will quickly request your documents. Once your attorney sends the required info, you will get a decision 24 hours later. Upon approval, you and your attorney will need to sign the agreement.

The funds will be disbursed to you within 2-24 hours upon the full execution of the contract.

Many factors come into place when evaluating your claim. But one huge factor is giving your case an approximate value. Ultimately, a settlement advance provider will work with your attorney to give your case a monetary value before approving you for cash, which will be up to 10% of the damages we think you will receive.

Due to our investment mandates, Baker Street Funding does not offer advances on settlements under $50,000.

The legal settlement money advanced to a borrower is free of risk because:

  • If you don’t receive payment from your personal injury case, you will be exempt from paying the money back.
  • Advance providers do not require income verification, monthly payments, credit history, liquid assets, or total debt amounts to provide cash for settlements or awards.

The settlement cash advance process takes 24-48 hours from when your lawyer provides all documentation of your claim.

The interest rate refers to the percentage of the funding amount you’ll be charged each month, every three months, or every six months. The interest rates on pre-settlement loans work based on a few factors, such as your suit’s strength and expected settlement or award payout. The lower the assumption of risk in your case, the lower your interest rate can be.

Every settlement advance company charges a different interest rate, some higher or lower than others.

Baker Street Funding provides non-compounding rates from 2.95% – 3.4% per month for plaintiffs involved in civil cases. 

Pay attention to annual compounding percentage rates and no caps that quickly add up to your loan and never end. This includes the length of the loan’s interest rate, how much you will pay over time, as well as other fees (if applicable). Avoid those who predicate 1-3% per month because it compounds to 10x more than the amount you borrow. Always read the fine print.

Tapping into your up-and-coming settlement beforehand may be a good idea in specific instances resulting from ongoing legal proceedings, such as covering essential expenses that are almost guaranteed due to the accident, after weighing all other available financial options. 

Some other reasons include the following:

  • You need to pay for medical bills and outstanding rent or mortgage;
  • You have past-due utility bills;
  • you’ve been evicted;
  • You lost your car;
  • You have an emergency expense;
  • You have a good case and don’t want to settle it for less than you deserve but are running out of money.

Before agreeing to take out a cash advance for your lawsuit, ensure it is right for you and commit to treating them responsibly. We are advancing you money from your prospected personal injury payout, and your case is a once-in-a-lifetime circumstance. No matter how you view it, the interest rates will increase over time.

A non-recourse cash advance can be used for anything except paying your attorney’s fees.

Most people use the cash to cover any imminent costs, including transportation to work, past due medical bills, and household, or day-to-day expenses. 

Most people get the money as a lump sum either through a check or bank deposit. 

You can also get monthly installment loan payments made out to you, also known as rolling contracts, which are a monthly agreed-upon payment for 3-6-9 or 12 months. Rolling contracts lowers the interest burden of taking the full amount at once.

Prepayment penalties are not common with pre-settlement funding companies.

Prepayment penalties are fees that you will pay if you decide to pay off the funds earlier than your case settling or winning an appeal.

You can feel free to pay your loan before the conclusion of your legal battle without worrying about prepayment penalties with Baker Street Funding.

However, consider seriously that repaying the money before winning a lawsuit can have consequences. You will not get that cash back if your case ends as a loss.

Your attorney will pay back the advance immediately after they receive payment in their trust account from the defendant or the insurance company after winning your injury case.

No. Settlement providers CAN NOT pursue you with debt collection or repayment if your case fails at the end.


RateFixed, starts at 2.95% p/mth
Terms2-3 year cap
Funding time24-48 hours
Amounts$1,500 up to $2mm+

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.