Pre-settlement funding is a non-recourse cash advance for plaintiffs waiting for personal injury lawsuits to settle. Unlike traditional loans, it's based entirely on your case's strength and expected settlement value—not your credit score. You receive a portion of your anticipated settlement upfront to cover essential expenses while your attorney builds the strongest possible case.



Here's what makes it different: Because it's non-recourse, there's zero financial risk. If you lose your case, you owe nothing. You only repay when you win.

Why Do Plaintiffs Need Pre-Settlement Funding?

The Financial Strain of Waiting

Personal injury lawsuits rarely resolve quickly—most take 18 months or longer. During this waiting period, medical bills accumulate, lost wages drain savings, and everyday costs like rent and utilities continue regardless of your case status. Insurance companies intentionally use delay tactics, hoping financial desperation will force you to accept inadequate settlements far below what your case is actually worth.

Avoiding Lowball Offers

When you're struggling to pay rent or cover medical treatment, it's tempting to accept the first settlement offer. Insurance companies exploit this vulnerability by dangling quick payouts that seem generous but leave you inadequately compensated. Pre-settlement funding changes this dynamic by giving you financial breathing room to confidently reject unfair offers and work with your attorney to negotiate maximum compensation.

Focusing on Recovery

Financial stress compounds physical injury. When you're worried about mortgage payments or affording necessary treatment, your body doesn't heal effectively. Pre-settlement funding removes the weight of financial survival, allowing you to focus entirely on medical recovery and working with your attorney.

How Best Call Funding's Process Works: Step-by-Step

Step 1: Application (Minutes to Complete)

Getting started is simple. Apply online at bestcallfunding.com or call (844) 676-CASH (2274) to speak with a specialist. The application takes just minutes and requires no credit check, employment verification, or income documentation. You can apply 24/7 from home at your convenience.

There are no upfront fees—application and processing fees are incorporated into your contract with no money due until after you win.

Step 2: Case Review & Attorney Coordination

Best Call Funding's experienced team coordinates directly with your attorney to evaluate the strength of your case, reviewing liability factors, documented damages, medical records, and insurance coverage. 

They work with your legal team to develop a conservative settlement estimate. Your attorney remains fully in control of settlement negotiations while Best Call Funding assesses funding eligibility. True to their commitment, they contact you within 24 business hours of application submission.

Step 3: Approval & Fund Disbursement

Once approved, you typically receive funding within 24 to 48 hours. Best Call Funding offers flexible disbursement options, including same-day electronic bank transfers, overnight checks, or standard mail. The amount typically ranges from 10-15% of your expected settlement value, depending on case strength, injury severity, and liability clarity.

Key Features of Best Call Funding's Pre-Settlement Funding

Non-Recourse Financing

This is the most important distinction: if you lose your case, you pay nothing. Full stop. There are no exceptions, hidden clauses, or collections attempts. Your attorney can continue negotiating for maximum settlement without any pressure or interference from the funding company. The financial risk sits entirely with Best Call Funding, not you.

No Credit Check Required

Your credit score doesn't matter. Your employment status is irrelevant. Best Call Funding makes funding decisions based solely on case merits—liability strength, injury severity, damages documentation, and settlement potential. This makes pre-settlement funding accessible to anyone with a legitimate personal injury claim, regardless of financial circumstances.

Transparent Terms & Straightforward Rates

There are no hidden fees or surprise charges. Pre-settlement funding costs typically range from 19.5 - 22.50% every 6 months. Everything is explained upfront so you understand exactly what to expect. Your attorney handles all repayment logistics directly with Best Call Funding after you win—you never need to manage payments yourself.

Fast Approval & Funding



Best Call Funding promises you'll hear back within 24 business hours of applying. Most approvals happen within 24-48 hours total, with funds often disbursed the same day or next business day. When facing financial hardship, this speed matters tremendously.

Who Qualifies for Pre-Settlement Funding?

To qualify, you must have a pending personal injury lawsuit with solid legal merits, be represented by an attorney on a contingency fee basis, have injuries with clearly documented damages, and have a mature claim ready for evaluation. Best Call Funding works with injury victims nationwide, though some state-specific regulations may apply.



Eligible cases include motor vehicle accidents, slip-and-fall incidents, dog bites, medical and surgical injuries, abuse cases, labor law violations, negligent security claims, premise liability accidents, construction accidents, third party workers' compensation cases, and wrongful death claims. If your injury resulted from someone else's negligence, your case likely qualifies.

How Much Can You Receive?

Most plaintiffs receive approximately 10-15% of their expected settlement value. The exact amount depends on case strength, injury severity, liability clarity, defendant's available insurance limits, and state regulations. Some plaintiffs with longer cases can receive multiple advances as litigation progresses.

Common Uses for Pre-Settlement Funding

Pre-settlement funding comes with no restrictions. Money can cover rent or mortgage payments, medical bills and ongoing treatment, utility bills, groceries, car payments, home modifications for disability accommodation, debt payments like student loans or credit cards, legal fees and court costs, or any other essential expense.

Advantages of Choosing Best Call Funding

Best Call Funding prioritizes plaintiffs over profits, reflecting genuine commitment to transparency and speed, and serves injured plaintiffs nationwide. They work seamlessly with your attorney, coordinating behind the scenes while staying completely out of settlement negotiations. 

Most importantly, their funding gives you and your attorney genuine negotiating power—you're no longer forced to accept inadequate settlements due to financial desperation.

Pre-Settlement Funding vs. Traditional Loans

Traditional loans require credit checks; pre-settlement funding does not. Traditional loans demand monthly payments regardless of circumstances; pre-settlement funding requires zero payments if your case doesn't succeed.

Traditional loans must be repaid in full even if income evaporates; pre-settlement funding is repaid only if you win. Traditional loans damage credit reports by adding debt; pre-settlement funding appears nowhere on your credit record.

What Happens After Settlement?

Once your case settles, the defendant's insurance sends a settlement check to your attorney's trust account. Your attorney coordinates with Best Call Funding to repay the advance plus accrued fees directly from settlement proceeds. After repayment, your attorney deducts their contingency fee and deposits the remaining balance to you. The entire process is handled through your attorney—you never need to manage repayment logistics.

Get Started Today

Once your case settles, the defendant's insurance sends a settlement check to your attorney's trust account. Your attorney coordinates with Best Call Funding to repay the advance plus accrued fees directly from settlement proceeds. After repayment, your attorney deducts their contingency fee and deposits the remaining balance to you. The entire process is handled through your attorney—you never need to manage repayment logistics.

Frequently Asked Questions