How funders decide your funding amount
The offer is not pulled from thin air. It comes from a fairly specific calculation built around your case, not your credit.
People often expect funding to work like a loan, where the amount depends on income or credit. It does not. The number is tied to your case, and understanding the inputs helps set expectations.
It starts with the projected settlement
The single biggest input is what your case is likely to be worth. Underwriters look at your injuries, your treatment, the liability picture, and the available insurance, then estimate a realistic settlement range. Funding is generally capped at a modest percentage of that projected number, often somewhere in the range of ten to twenty percent. The reason for the cap is protective. Advancing too much against a case can leave you with little or nothing after repayment, which helps no one.
Liability strength moves the number
A case with clean liability supports more funding than a contested one, because the funder's risk is lower. A rear-end collision with a clear at-fault driver is a different risk than a T-bone where both drivers claim a green light. Same injuries, different funding picture, because the probability of a recovery is different.
Insurance coverage is the ceiling
A case is only worth what can actually be collected. A severe injury caused by a driver with minimum coverage and no assets may have a low practical value despite the harm done, unless there is strong underinsured motorist coverage. Big commercial policies on a truck case work the other way and can support much larger advances.
What does not matter
Your credit score, your job, your income, your bank balance. None of it factors in. The funder is underwriting the case, not you. That is why people with bad credit and no income still qualify when the case is strong. If you want the step by step of how a request becomes an offer, the application process page covers it, and the how it works page gives the overview.