The application itself takes about three minutes. The rest of the process — case review, offer, and funding — typically wraps up within 24 to 48 hours. Here's what happens at each stage and what you'll need to have ready.
You'll move through the application much faster if you have a few things in front of you when you sit down. None of these are required to start, but having them ready saves a phone call later.
You don't need pay stubs, tax returns, employment verification, or credit information. None of that affects your eligibility, and we don't ask for it.
Fill out the online form with your contact information, accident date, attorney details, and funding needs. This takes about three minutes. Once you submit, you'll receive a confirmation email and a representative will reach out within one business hour during business days.
A representative confirms your details, walks you through what happens next, and gets your authorization to contact your attorney. This is also your chance to ask any questions before we proceed. The conversation usually takes 10 to 15 minutes.
Our underwriting team contacts your attorney's office and requests case documentation: police report, medical records, demand letter (if drafted), insurance information, and any other relevant materials. The team then evaluates the strength of your claim, expected settlement value, and likely timeline. Most reviews complete within 4 to 24 hours.
If your case qualifies, you'll receive a written funding offer. The offer includes the funded amount, fee structure, repayment cap, and worked examples at multiple time intervals. Read it carefully and share it with your attorney before signing. Most attorneys are happy to review funding offers at no charge.
Once you and your attorney sign the agreement, funds are wired or sent by overnight courier — typically the same business day for wires. From application to money in your account, the typical turnaround is 24 to 48 hours.
Not every case is a good fit for legal funding, and we'll be straightforward with you if yours isn't. Common reasons for declining: liability is highly contested with weak evidence, the at-fault party has minimal insurance coverage and no significant assets, the case is too early to evaluate, or the projected settlement isn't large enough to reasonably support funding.
If we decline, we'll explain why. In some cases, waiting until your case develops further (more medical documentation, completed treatment, formal demand) can change the underwriting picture, and you're welcome to reapply later. There's no penalty or fee for declining or being declined.
Three-minute application. No credit check. Approval within 24 hours.