Pre-settlement funding is straightforward: a funding company advances you a portion of your expected settlement, and repayment comes directly from your settlement proceeds once your case resolves. If your case is unsuccessful, you owe nothing. There are no credit checks, no upfront costs, and no hidden fees attached to the process.

The funding amount typically ranges from 10% of your expected settlement value, with a maximum of 15% depending on case strength and liability clarity. For example, if your attorney estimates a $50,000 settlement and your case has strong liability documentation, you might receive between $5,000 and $7,500 immediately. This cushion helps cover urgent expenses while your attorney builds the strongest possible case.

Why Fresno Residents Turn to Pre-Settlement Funding

Personal injury cases in Fresno often involve motor vehicle accidents on Highway 99, workplace injuries in agricultural or warehouse settings, or slip-and-fall incidents at retail locations. These cases frequently take 18 months to three years to resolve, leaving plaintiffs in a vulnerable financial position. Insurance companies know this pressure exists and sometimes use it as leverage to push low settlement offers early.

Pre-settlement funding eliminates that pressure by providing immediate financial relief. With cash in hand and bills covered, you can give your attorney the time and resources needed to pursue maximum compensation. Your attorney builds a stronger case when they're not pressured by a desperate plaintiff who needs to settle quickly. This financial stability transforms your entire case strategy.

Understanding Fresno's Legal Environment

California's comparative negligence laws apply to personal injury cases in Fresno. This means plaintiffs can recover damages even if they're partially at fault for the accident, though their compensation is reduced by their percentage of responsibility. For example, if you're found 20% at fault in a car accident with a $100,000 settlement, you'd receive $80,000.



Fresno County courts process personal injury cases according to state timelines, and most cases that don't settle early move toward trial preparation within 12 to 24 months. During this period, medical treatment continues, expert witnesses are retained, and discovery expands. Pre-settlement funding helps cover all these costs without draining your emergency savings or forcing you into additional debt.

The Application and Approval Process

Getting pre-settlement funding in Fresno is a simple three-step process. First, you and your attorney submit your case details and supporting documents to Best Call Funding. Your attorney provides the settlement range, liability information, and all necessary records—so you don’t need to supply injury descriptions or estimates yourself.

Most applications receive a decision within 1 to 24 business hours. Approval is based on case strength and documentation—not credit scores or personal finances. Clear liability, strong medical records, experienced attorneys, and solid insurance coverage typically qualify for higher advance amounts. In most cases, approval speed depends on how quickly your attorney responds, since cooperative legal teams move the process along faster.

Disbursement: Getting Your Funds Fast

Once approved, funding typically arrives within 24 to 48 hours. Best Call Funding offers multiple disbursement options for Fresno residents. Wire transfers deliver funds the same day, direct deposit typically arrives within one business day, and paper checks are available upon request. Many clients access funds within 24 hours of approval, and some receive same-day disbursement through wire transfer.

This speed matters when you're facing overdue bills or medical expenses. The ability to access funds quickly means you can address immediate financial needs without waiting days or weeks for processing.

Interest Rates and Funding Costs

Pre-settlement funding costs typically range from 19.5% to 22.5% every six months, depending on your specific case and funding terms. Compound and simple interest rates are available. Importantly, there are no hidden fees or surprise charges—all costs are clearly outlined in your contract before you agree to anything.

These costs are deducted from your settlement proceeds, not paid upfront. This structure ensures you maintain complete financial stability during your case. If your case doesn't succeed, you owe nothing—not the advance, not the interest, nothing. This non-recourse protection is what separates pre-settlement funding from traditional loans.

Rate & Risk Disclosure

Understanding Your True Net Recovery

Before accepting a pre-settlement advance, it's essential to understand the financial implications. The amount you receive upfront (for example, $5,000) is not your guaranteed net payout. When your case resolves, the advance plus any agreed finance charge will be deducted from your recovery.

California Bar Guidance and Repayment Terms

According to The State Bar of California's guidance on third-party litigation funding, attorneys representing clients who enter funding arrangements must ensure clients are fully informed about the terms and consequences. 

Because funding agreements are contracts based on anticipated settlement proceeds, repayment obligations depend on the outcome and agreed terms. The timing of settlement and advance amount both affect total repayment—meaning the longer a case takes, the higher the financing cost may become.

Making an Informed Decision

Before signing any funding agreement, request a clear, written document showing the advance amount, finance charge (interest and fees), and how repayment will be calculated when your case resolves. Review that agreement carefully with your attorney before committing.

Treat the funding advance as a financial decision: while it provides immediate relief for bills, medical costs, or lost income, it may reduce your eventual recovery. Whether it's worth it depends on your financial situation, case strength, and patience for litigation.

What Factors Affect Your Funding Decision

Best Call Funding evaluates several factors when deciding whether to fund your case and how much to advance. Liability clarity matters significantly—cases with obvious defendant responsibility qualify more easily than cases involving comparative fault. Documented injuries strengthen your application, as do strong medical records and ongoing treatment plans.



Your attorney's experience influences the decision as well. Established personal injury lawyers with successful track records make cases more fundable. The insurance coverage available also factors in—cases involving well-insured defendants qualify for higher advances. Additionally, Best Call Funding checks for existing liens, judgments, and bankruptcy history, as these can impact the decision.

Cases Best Call Funding Supports in Fresno

Best Call Funding supports a wide range of personal injury cases, including motor vehicle accidents, motorcycle crashes, truck collisions, slip-and-fall incidents, workplace injuries, wrongful death claims, medical malpractice cases, dog bite injuries, and abuse-related lawsuits. They also fund labor law violations and premises liability claims.

Getting Started with Pre-Settlement Funding in Fresno

If you're waiting for your Fresno personal injury case to settle and need immediate financial relief, Best Call Funding can help. The process starts with an application, and then Best Call Funding contacts your attorney for case details.



Apply online or call (844) 676-CASH (2274) to begin the process. Most Fresno residents receive approval decisions within one business day. Once approved, funds arrive within 24 to 48 hours, giving you immediate access to the cash you need to move forward with your life while your case progresses toward settlement.

Your settlement shouldn't require years of financial hardship. Pre-settlement funding makes recovery possible now, not just after your case closes.

Frequently Asked Questions