Texas Lawsuit Loans—Simple, Fast, And With Low Rates.

Secure your Texas lawsuit loan and get immediate financial relief.

Are you involved in a Texas lawsuit and need immediate financial assistance? Baker Street Funding provides fast pre-settlement funding in Texas at competitive rates to give you the support you need while your case is pending. Easily obtain a Texas lawsuit loan at any stage of your legal proceedings to cover any unexpected expenses or make ends meet. To get started, apply for lawsuit funding online and receive your money transferred to you on the same day of approval. 

Pre-settlement lawsuit loans in Texas
Pre-settlement lawsuit loans in Texas
Loans on pending lawsuits

What are lawsuit loans in Texas?

If you’re caught up in a pending personal injury lawsuit, you might find yourself submerged in a sea of medical bills and emotional distress. Pre-settlement funding in Texas can enable you to regain some semblance of control. 

A Texas lawsuit loan, also known as pre-settlement funding or legal funding, is a risk-free cash advance for plaintiffs involved in civil lawsuits in Texas. Funding amounts go for anything 10 to 20% of your case’s value. 

Use the funds for medical bills, living expenses, and other financial obligations. Whether you’re dealing with an auto accident, wrongful death, medical malpractice, or any other type of lawsuit, legal funding exists to give you the financial stability you need to see your Texas case through to its conclusion. 


How do lawsuit settlement loans work in Texas?

Pre-settlement funding in Texas operates as a non-recourse loan. It provides a safe source of financing, posing no financial risk to plaintiffs. Unlike traditional loans, the pre-settlement loan repayment is guaranteed to the lender only if you win the lawsuit. When you receive your settlement check or lawsuit award, you repay the advance. This includes the principal amount, interest rates, and fees. You won’t owe anything unless your case is successful.

In addition, Texas lawsuit settlement funding is not reported to credit bureaus so that it won’t hurt your credit score. They are an ideal solution for plaintiffs who are in need of financial assistance but cannot qualify for traditional loan products due to poor credit history, lack of collateral, or low income. It offers faster processing times than traditional loans without the need to provide income proof, bank statements, or other financial documents.



Benefits of Texas lawsuit loans.

Texas lawsuit funding is designed to help you meet your financial needs until you get the settlement you deserve. They offer several benefits, such as:

A quick way to access the funds you urgently need.

Texas legal funding offers you immediate funds to cover pressing obligations you just can't afford while your lawsuit is active. It is an invaluable resource in emergencies like dealing with debt collectors, eviction notices, repossession, or other urgent costs.

There is a potential for reaching a fair settlement.

A Texas lawsuit loan can help avoid financial restrictions that may pressure you to settle for less. With careful spending, it is possible to withstand lengthy legal battles and reach a reasonable settlement.

Pre-settlement funding in Texas allows you to cover your expenses.

One remarkable aspect of lawsuit funding in Texas is its flexibility. It lets you pay off any debts you have, cover day-to-day costs, transportation, make rent or mortgage payments, buy groceries, child care, or even pay medical bills. Additionally, you can use the funding to pay for surgical procedures related to an injury case.

The pre-settlement funding application process in Texas.

With Baker Street Funding, you can borrow money from your Texas lawsuit hours after you sign the lawsuit loan contract. Our application process is straightforward, allowing you to address any immediate expenses as soon as possible.

step 1 for legal funding


To get an advance on your future settlement, apply for a Texas lawsuit loan over the phone or online. If your application is accepted, you'll be assigned a dedicated funding specialist to guide you through the approval process right away.

step 2 for legal funding


The step in the funding process is getting your case documents from your attorney. Your funding expert will connect with your lawyer to inquire about and evaluate the details of your claim. If your attorney is responsive, you will receive a funding decision the same day, or the next day.

step 3 for legal funding


The last step of the funding process is approval. If you're approved, you and your lawyer will get a Texas legal funding agreement. Complete it, and receive the money in as little as 2 hours.

Texas lawsuit loans you can count on.

Baker Street Funding, a leader in the lawsuit settlement funding industry, offers the lowest costs, reliable financing and the best services for plaintiffs in Texas. We have the experience, knowledge, excellent reviews, and resources to help you get your lawsuit funded quickly. Our lawsuit loan specialists will work with your personal injury attorney to discuss terms and rates and help determine the best funding amount for your Texas lawsuit.

Texas lawsuit loans with low interest rates

A Texas settlement loan from Baker Street Funding provides you with a low simple interest rate which saves you money when you receive your compensation. No hidden fees and no stress.

2-3 year capped rates for protection

An interest rate cap helps avoid extra interest on your pre-settlement funding loan if your lawsuit takes longer to settle than the allowed time to charge rates.

Top-rated lawsuit funding company

We, at Baker Street Funding, pride ourselves on our positive reviews and strong track record of helping plaintiffs secure the funding they need, as soon as and when they need it. Our commitment to transparency, speed, and exceptional customer service sets us apart in the industry.

Same day funding in Texas

With a pre-settlement loan from Baker Street Funding, you can access the money you need as early as two hours after you and your attorney accept the terms of your loan. Baker Street Funding provides same-day funding decisions in most cases to help you stay afloat.

There is funding for most types of civil cases.

Baker Street Legal Funding is a reputable lawsuit settlement funding provider in Texas and nationwide, with expertise in financing a wide range of legal claims. We understand that an injury can have a devastating impact on your finances, and we are here to help you get better. Our pre-settlement loans can provide you with immediate cash while you wait for your case to settle or go to trial. Some of the cases we fund include medical negligence, slips and falls, nursing home negligence, construction accidents, car accidents, 18-wheeler accidents, motorcycle accidents, post-settlement cases, whistleblower disputes, and many more.

Look no further for the best pre-settlement loan company in Texas.

Finding the best lawsuit settlement loan company can be challenging. However, with Baker Street Funding, you can get financial relief quickly, in addition to competitive interest loans and capped rates. We assign each client a dedicated and compassionate funding specialist who has extensive experience with civil lawsuits to provide personalized guidance and streamline the process. Get financial support with fast Texas lawsuit loans with a funding provider you trust. Let us help you get back on your feet and reclaim your life by applying for a lawsuit cash advance today.

Texas pre-settlement funding FAQ.

Do you have questions about Texas settlement loans? We’ve got answers. Our FAQ section covers a wide range of topics, including eligibility requirements, costs, repayment terms, and more.

A Texas lawsuit loan is a non-recourse cash advance for plaintiffs in Texas who need financial assistance while waiting for their case to settle. These loans are non-recourse and collateralized by the future settlement of a personal injury lawsuit. The loan payment is guaranteed only if you win your lawsuit. Therefore, they do not require repayment in the event of an unfavorable outcome.

You don’t have you pay back the Texas lawsuit loan if the outcome of your case is unsuccessful.

Among the qualification requirements for a lawsuit loan in the state of Texas are the following:

  • Having a valid personal injury lawsuit against an at-fault party.
  • Having sustained injuries from the accident.
  • Having an attorney willing and able to assist in the evaluation and approval process.

Baker Street Funding’s legal team will review your case details with your attorney and make a pre-settlement loan decision based on different factors, such as the extent of the injuries, evidence of liability, the complexity of the lawsuit, and the likelihood of winning. 

With a Texas lawsuit loan through Baker Street Funding, you can borrow $1,500 to $2,000,000+ if you have a civil rights or a personal injury claim and up to $20,000,000 if you are a corporate plaintiff in Texas. 

Funds are sent directly to the account you choose within a day of approval for civil cases and 7-14 days for corporate litigation.

Baker Street Funding works quickly, and typically approves or denies lawsuit loan requests the day of the application. If your application is approved, you can receive your cash advance immediately, often within hours of approval.

The interest rate cost for a non-recourse loan on any type of lawsuit settlement in the state of Texas will always be higher due to the higher risk of nonpayment in a lost suit. Only consider it after exploring all other alternatives

Yes. If you need a Texas settlement loan the same day, ensure your attorney sends your application by 9 am ET, followed by your case documents. If approved, the contract must be signed that day before 2 pm ET.

 If the value of your case falls below 20%, you may be able to get additional legal funding to cover unexpected bills.

In Texas, lawyers are prohibited from having a financial stake in a lawsuit. However, according to the Texas Disciplinary Rules of Professional Conduct Rule 1.08(d), your attorney can lend you money under very limited circumstances, like for litigation, medical, or living expenses only. Plus, your attorney cannot charge interest on any cash advance made out to you.

Yes. If you have existing liens from another company, Baker Street Funding specializes in buying out previous pre-settlement loans, allowing you to switch lenders. This means that we will pay off your previous advance before you can receive new funding from us. 

With this service, you can consolidate an old Texas lawsuit loan for a better rate and save money.

The state of Texas does not have any laws or regulations in place for litigation funding companies. This means that there are no restrictions on what lenders do or how much they charge for their lawsuit loan services.

There is no penalty if you pay off your advance before receiving the settlement payout. Keep in mind if your case doesn’t settle, you won’t have to pay the borrowed funds back.

Interest Non-compounding starting at 2.95% p/month
Loan protection 2-3 year cap
Funding time 24 hours
Average loan amounts in Texas $12,500
Funding amounts $1,500 up to $10mm
Type of loan Non-recourse
Workers’ comp eligibility Yes
Personal injury claim eligibility Yes
Civil rights case eligibility Yes

Battling insurance companies: How Texas lawsuit loans can tip the scales in your favor.

The process of resolving civil lawsuits can take a significant amount of time, often lasting several months or even years. Consequently, many accident victims and their families are unable to keep up with their bills during a long and drawn-out lawsuit, pressuring them to settle quickly or for less.

Lawsuit funding in Texas can potentially provide the leverage to negotiate a favorable settlement when the insurance company is dragging its feet, and its offer is too low. Having financial resources at your disposal can pressure the other side to settle for a fair amount rather than them risking losing more money by going to trial.

But don’t use up your full approval amount before receiving a settlement offer. Be strategic and use it wisely to help bring your lawsuit to a just conclusion. Request only the amount needed to cover essentials and maximize your chances of getting more lawsuit loans throughout your case.

Legal funding companies, however, cannot guarantee a maximum settlement or any settlement at all in Texas cases, even if you have enough money to make it through. The outcome of your case ultimately depends on the strength of the evidence, the legal arguments presented, your lawyer’s experience, and the interpretation of the law by the judge or jury.

It is extremely important that you understand that any lawsuit loan company that tells you you’ll get a maximum settlement with a Texas settlement loan is not reputable and is most likely predatory.


Key laws regarding personal injury claims in Texas, and how they impact consumer legal funding eligibility.

When a lawsuit lending company decides how much money to provide you with lawsuit funding in Texas, they look at things like how much money you might win, how strong and complex your case is, and how likely it is that you’ll succeed in a settlement or award. This funding decision is about the lender’s business needs and is contingent upon the legal procedures for initiating lawsuits in Texas.

Let’s take a look at the legal aspects of civil lawsuits, personal injury cases, damage caps, and insurance requirements in Texas and their influence on obtaining a Texas lawsuit loan.

Statute of limitation

In Texas, civil lawsuits must be filed within two years, as per the statute of limitations. Failing to do so may result in being unable to obtain the rightful compensation.

Lawsuit loan companies can provide legal funding in Texas only if your personal injury claim is filed within the statute of limitations.

Modified comparative fault

In Texas, you can get compensation for an injury case even if you share some of the blame. But in Texas, if you’re more than 50% at fault, you won’t receive compensation. As long as you’re 50% or less at fault, you can still seek compensation for your injuries.

Due to the Modified Comparative Law in Texas, third-party funding companies can offer you lawsuit funding only if you’re 50% or less at fault for the accident.

Damage Caps For Medical Malpractice Cases

Texas does not currently have a cap on pain and suffering (non-economic damages) except for medical malpractice. This means there are restrictions on the amount of money you can receive when suing doctors or healthcare providers for medical negligence. You cannot sue an individual healthcare provider for more than $250,000, even if multiple doctors are involved. Furthermore, the total amount for non-economic damages, such as pain and suffering, cannot exceed $500,000 across all the medical facilities involved.

Overall, the maximum amount you can receive is $750,000. So, if you need funding, you can still be eligible for medical malpractice lawsuit loans in Texas, typically up to $75,000.

Punitive Damages

In Texas, punitive damages are limited and have a cap based on the economic and non-economic damages awarded. According to Texas law, punitive damages can reach a maximum of $200,000 or two times the economic damages, plus $750,000 for non-economic damages. For instance, if you receive $1.5 million for economic damages and $1.1 million for non-economic damages, the punitive damages cap is set at 3,350,000 (including the additional $750,000).

If a case is strong enough to win, plaintiffs can potentially get Texas lawsuit loans of up to 10% of their punitive damages.

Lawsuits Against Government Entities

Government organizations are generally protected from personal injury lawsuits in Texas, but there are some exceptions. If you are injured due to the negligence of a government employee, you will be limited in your capacity to sue. The cap on each person involved in the incident is $250,000, and the total amount for a single event cannot exceed $500,000.

Due to these personal injury laws, funding amounts for settlement loans against government claims in Texas are capped at $50,000.

The Insurance Company

In Texas, drivers must have sufficient insurance coverage to account for any costs resulting from a car accident they cause. The minimum coverage required is called “30/60/25 coverage”.

  • $30,000 bodily injury liability per person,
  • $60,000 bodily injury liability per accident,
  • $25,000 property damage liability per accident.

However, these minimum requirements may not cover all accident-related expenses. According to the Texas Insurance Department, uninsured/underinsured motorist coverage can help pay for car repair and medical expenses in a hit-and-run or an uninsured motorist accident. While not mandatory, adding this coverage to your car insurance policy can provide additional protection in an accident caused by an uninsured or underinsured driver.

But if you’re injured in a car accident, and the other driver doesn’t have insurance or enough coverage, a funding company is unlikely to offer financing for your lawsuit in Texas. In this case, there is a big probability that you will not receive a sufficient settlement (or a settlement at all) to repay the advance.

In sum, the at-fault driver must have sufficient insurance in Texas in order to qualify for lawsuit loans in the state.


laws and regulations governing lawsuit funding in Texas.

When both the federal and state governments regulate a lending industry, it is commonly known as “dual regulation” or “dual banking system“. This means that the industry must follow both federal laws and regulations, as well as those set by individual states. This system ensures a balance of supervision, with federal laws providing nationwide standards and state laws addressing specific local issues.

Currently, Texas does not have specific regulations that directly govern pre-settlement legal funding, although this could change as laws and regulations evolve. The reason for this is that lawsuit loans are viewed differently from traditional financing in Texas. They are considered investments rather than loans, primarily because their repayment is contingent upon the success of the plaintiff’s case. This means that if you do not win your case, you are not obligated to repay the money you received for your case. Because of this unique funding structure, lawsuit financing falls outside the scope of traditional lending regulations, including champerty and usury laws in Texas.

However, there is a misconception that personal injury laws that govern the proceedings and outcomes of accident cases regulate the lawsuit funding industry. The fact is, if the lawsuit lending industry were regulated in Texas, this regulation would fall under the purview of federal and Texas state lending laws.

Here is the main array of federal and state laws of the lending industry for your reference:

Federal Laws

  • The Truth in Lending Act (TILA) mandates that lenders must give borrowers clear, accurate, and consistent information regarding the cost of credit.
  • The Equal Credit Opportunity Act (ECOA) prevents lenders from discriminating against borrowers based on race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
  • The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information.
  • The Fair Debt Collection Practices Act (FDCPA) shields consumers from abusive, unfair, or deceptive practices by debt collectors.

State laws

The Texas Finance Code provides rules and regulations for various types of financial transactions and services, including loans. However, these regulations do not apply to Texas lawsuit loans.

Some of the topics related to lending practices covered by the Texas Finance Code are:

  • Usury Laws: The code sets the maximum allowable interest rates for different types of loans.
  • Licensing: It provides regulations for who can provide loans and the licensing requirements for doing so.
  • Consumer Protection: The code includes provisions to protect consumers from unfair or deceptive lending practices.
  • Loan Terms: It regulates the terms and conditions of loans, including disclosures that must be provided to borrowers, repayment terms, and more.

In Texas, lawsuit loans are viewed differently from traditional financing. They are considered investments rather than loans, primarily because their repayment is contingent upon the success of the plaintiff’s case. This means that if you do not win your case, you are not obligated to repay the money you received for your case. Because of this unique structure, lawsuit loans fall outside the scope of traditional lending regulations, including champerty and usury laws.

This lack of regulation provides plaintiffs with a great deal of flexibility and freedom in their choices when it comes to financing their lawsuits since they are able to take out much higher amounts than any traditional loan would provide them with. However, this lack of regulation also underscores the importance of partnering with a reputable provider that offers transparent terms and conditions.

To get the best pre-settlement loans, consider choosing a reputable lawsuit loan provider such as Baker Street Funding. We follow the same ethical standards and disclosures as other trustworthy legal funding companies, offering clear terms, rate limits, and the lowest rates available.


Check out our educational resources.

Take charge of your legal funding decisions with our comprehensive resources that ensure you have all the information you need to make an informed choice.

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