What Is Legal Funding — And How Can It Help You Right Now?

Apr 8, 2025

If you’ve been injured and are waiting on a settlement, but the bills won’t wait — legal funding might be exactly what you need.

In this post, we’ll break down what legal funding is, how it works, who it’s for, and share real-world examples to help you understand how it could help you during a difficult time.

What Is Legal Funding?

Legal funding — also called pre-settlement funding or a lawsuit cash advance — is money provided to injury victims who are waiting on a lawsuit settlement. It helps cover your living expenses while your case moves through the legal system.

Legal funding info by Injury Loan

Legal funding is a powerful option for people who can’t afford to wait months (or even years) for their case to settle — especially if they’re unable to work.

How Does Legal Funding Work?

Here’s how the process typically works in 3 simple steps:

  1. You Apply
    Fill out a short application online — usually takes just a few minutes. You’ll need basic info about your case and your attorney’s contact details.
  2. We Review Your Case
    We connect with your attorney to evaluate your case’s strength and estimated value. There are no credit checks and no income requirements.

    Need a lawyer? Click here to see our recommended attorneys.

  3. You Get the Money
    If approved, the funds are sent directly to your bank account — often within 24 hours. You can use the money however you need: rent, groceries, medical bills, or simply to stay afloat.
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Real-World Use Cases

To make it crystal clear, here are some example situations where legal funding can make a huge difference:

  • Case 1: Car Accident + Missed Work

    Antonio was rear-ended while driving home from work in Atlanta. He suffered back injuries that kept him from returning to his job. With no paycheck coming in, he couldn’t keep up with his rent or child support.

    He applied for legal funding and received $3,000 within 48 hours. That money helped him stay housed while his attorney continued negotiating his settlement.

  • Case 2: Slip & Fall + Medical Bills

    Jasmine slipped on an unmarked wet floor at a grocery store and broke her wrist. Her ER visit and follow-up care cost thousands, and she didn’t have insurance.

    She used legal funding to cover her hospital bills and avoid collections, giving her attorney time to fight for a fair settlement.

  • Case 3: Lowball Settlement Offer

    David was offered a small settlement from the insurance company — much less than what his case was worth. But he needed money and was tempted to accept just to pay rent.

    With legal funding, he was able to hold out for a better offer — and eventually received 4x more than the initial offer.

What Can I Use Legal Funding For?

There are no restrictions on how you use the money. Common expenses include:

  • Rent or mortgage
  • Medical bills
  • Groceries and essentials
  • Utility bills
  • Transportation
  • Childcare

Don’t Have a Lawyer? We Can Help.

To qualify for legal funding, you need to be working with a personal injury attorney — but don’t worry if you haven’t hired one yet.

We’ve partnered with experienced, compassionate attorneys who offer free legal consultations and will help you understand your rights, your case, and your options.

Click here to view our trusted attorney recommendations.

Need Your Accident Report? Get It for Free.

Most cities charge a fee for obtaining your official accident report — but we’ll cover it for you.

We’ll help you request a FREE copy of your accident report, so you don’t have to pay a dime.

Click here to request your free accident report.

Is Legal Funding Right for You?

You may want to consider legal funding if:

  • You’ve been injured in an accident
  • You’re working with a personal injury attorney
  • You’re struggling financially while waiting for your case to settle

Legal funding isn’t for everyone — but for many people, it’s a lifeline when they need it most.

The Bottom Line

Legal funding is not a loan — it’s a way to get the cash you need now. If you’re waiting on a lawsuit settlement and need help paying the bills, this could be a smart solution.

Your case has value. You shouldn’t be forced into a lowball settlement just because you’re hurting financially. With legal funding, you can get the breathing room you deserve — and the justice you’ve earned.

Ready to See If You Qualify?

Click below to apply in minutes — no fees and no credit checks.

Start My Application