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Texas Pre-Settlement Funding: A Comprehensive Guide

Pre-settlement funding, also known as lawsuit loans or legal financing, is a financial service that provides plaintiffs with cash advances against their pending lawsuit settlements. This type of funding is particularly beneficial for individuals who are facing financial difficulties while waiting for their legal cases to be resolved. In Texas, pre-settlement funding is a popular option for plaintiffs involved in personal injury lawsuits, premise liability cases, and other types of civil legal disputes. Express Legal Funding is the largest pre-settlement funding company headquartered in the Lone Star State.

What Is Pre-Settlement Funding and How Can It Help in Texas?

Pre-settlement funding is a non-recourse cash advance provided to plaintiffs based on the expected settlement of their legal cases. Unlike traditional loans, pre-settlement funding does not require repayment if the plaintiff loses the case. Express Legal Funding provides this type of non-recourse financing to help plaintiffs cover their living expenses, medical bills, and other financial obligations while they wait for their cases to settle.

Why Consider Pre-Settlement Funding in Texas?

Texas is known for its high number of personal injury and car accident cases, with billions of dollars of settlements paid out to accident victims annually by insurance companies. These cases can take months or even years to settle, leaving plaintiffs in financial distress. Pre-settlement funding can help cover living expenses, medical bills, and other costs while you wait for your case to resolve.

How Does Pre-Settlement Funding Work for Personal Injury Claims?

In Texas, pre-settlement funding is available to plaintiffs involved in various types of legal cases, especially personal injury and motor vehicle accident claims, when an insurance policy is present. The following is an overview of the process from start to finish.

  1. Application: Plaintiffs can apply for pre-settlement funding online or by contacting a legal funding company. The application process usually requires basic information about the plaintiff’s case and contact details for their attorney.
  2. Case Evaluation: The legal funding company reviews the plaintiff’s case and consults with their attorney to assess the likelihood of a successful settlement. This evaluation helps determine the amount of funding the plaintiff can receive.
  3. Approval and Funding: Once the case is approved, the legal funding company provides the plaintiff with a cash advance. The amount of funding is typically based on the expected settlement value of the case.
  4. Repayment: If the plaintiff wins the case, their attorney sends a check to repay the owed amount from their settlement proceeds. If the case is lost, the plaintiff is not required to repay the funding.

Top Benefits of Pre-Settlement Funding in Texas

  • Immediate Financial Relief: Get access to cash quickly to cover essential expenses.
  • Non-Recourse: The funds only have to be repaid if you win or settle your case, reducing financial risk.
  • No Credit Check: Approval is based on the merits of your case, not your credit score.
  • No Monthly Payments: Repayment is made from your settlement proceeds, so there are no monthly payments to worry about along the way.

Who in Texas is Eligible for Pre-Settlement Funding?

To qualify for pre-settlement funding in Texas, applicants must:

  • Have a claim or pending lawsuit.
  • Be represented by an attorney on a contingency fee basis (no win, no fee lawyer).
  • Have a strong case with a high likelihood of settlement or winning a monetary award at trial.

Types of Cases Eligible for Pre-Settlement Funding

Pre-settlement funding can be made available for various types of civil cases in Texas, including:

  • Personal Injury
  • Slip and Falls
  • Motor Vehicle Accidents
  • Product Liability
  • Wrongful Death
  • Employment Discrimination

How to Apply for Pre-Settlement Funding in Texas

We make it easy for people to apply for pre-settlement funding on their case in Texas. You can start the process by visiting the Express Legal Funding website and filling out the application form. You can also contact us directly at (888) 232-9223 for more information.

In Conclusion About Pre-settlement Funding Options in Texas

Pre-settlement funding can provide much-needed financial relief while you wait for your lawsuit to settle. By understanding how it works and how to apply for it, you can make an informed decision and get the support you need during this challenging time. If you live in Texas and need pre-settlement funding, consider reaching out to a reputable funding company like our team at Express Legal Funding to get started.

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Disclaimer: Express Legal Funding is a pre-settlement funding company serving Texas residents and is not a law firm. While the content on this page is well-researched and reviewed by licensed attorneys, it does not constitute legal advice and should not be considered a substitute for legal representation.

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Maximizing Settlement Payouts: Help Your Case Outcome

Can pre-settlement funding help me secure a larger settlement on my case? Getting pre-settlement funding can help you maximize your settlement and case outcome by providing the financial stability needed to pursue a fair resolution rather than accepting a quick, lowball settlement offer due to financial pressure.

It empowers both you and your attorney to hold out for a fair and potentially larger settlement, giving them time to build a strong case without the pressure to settle before it is most advantageous to you, their client.

Without this financial boost, you might feel forced to settle for less, as defendants often use delay tactics to exploit your financial difficulties, hoping you’ll accept a lower offer. This tactic allows corporations to keep more money in their bank accounts, potentially saving them millions—or even billions—in plaintiff settlement payouts each year.

Feel confident pursuing justice on your terms without the burden of extra costs. With Express Legal Funding, you can count on a trusted source for fast pre-settlement funding at lower rates, plus free, fast delivery every time. We provide funding for cases of all sizes, serving clients across the United States with unmatched transparency.

Understanding Non-Recourse Legal Funding: An Overview

What does non-recourse legal funding mean? Non-recourse legal funding is a type of financial support provided to plaintiffs in ongoing legal cases, where repayment is only required if the case is successful. If you do not win or settle your case, you owe nothing back to the funding company.

Unlike traditional loans, non-recourse funding is risk-free for plaintiffs, as it doesn’t involve personal liability or credit checks, and it’s solely dependent on the outcome of your case. This funding option can help cover essential expenses during the legal process without adding financial risk.

Key Terminology in Pre-Settlement Funding: Explained

Understanding legal and funding terminology can help you make informed decisions about pre-settlement funding. Here’s a breakdown of essential terms we’ve created to empower consumers:

Core Terms

  • Pre-Settlement Funding: Also known as a lawsuit cash advance, this financial support provides plaintiffs with cash upfront to cover essential expenses while their case is ongoing.
  • Non-Recourse Funding: A type of funding where repayment is only required if you win or settle your case, making it low-risk for plaintiffs.
  • Lawsuit Loan: Commonly used to describe pre-settlement funding, though it differs from traditional loans as it’s non-recourse, requiring repayment only upon case success.
  • Settlement Loan Company: A term often used by consumers to describe a pre-settlement funding company, although technically inaccurate since the funding is non-recourse and not a loan.

Financial Terms

  • Interest Rate: The cost of pre-settlement funding may include interest, which accrues over time. Lower rates can make funding more affordable.
  • Funding Fee: Any additional costs associated with the advance, sometimes capped to limit growth over time.
  • Credit Check: An assessment of an individual’s credit history. Most pre-settlement funding providers do not require a credit check, as funding approval is based solely on the case’s potential.
  • Lien: A legal claim placed on a plaintiff’s settlement to ensure repayment of debts, such as medical bills or pre-settlement funding. Funding companies may place a lien on the future settlement to secure repayment of the cash advance.

Civil Legal Process Terms

  • Plaintiff: The individual filing the lawsuit and potentially seeking pre-settlement funding.
  • Defendant: The person, company, or entity being sued by the plaintiff. The defendant is typically responsible for compensating the plaintiff if the case is resolved in the plaintiff’s favor. In motor vehicle accident cases, this may include an auto insurance company representing the at-fault driver.
  • Legal Claim: The formal request for compensation by the injured party due to damages is often the basis for determining funding eligibility.
  • Contingency Fee: A payment structure where attorneys collect fees only if the case is won, meaning plaintiffs may rely on funding to cover living expenses in the meantime.
  • Attorney: A legal professional who represents clients in their lawsuits. An attorney’s cooperation is essential for securing pre-settlement funding, as they work with funding companies to provide case information and facilitate the approval process.
  • Complaint: The initial legal document filed by a plaintiff to start a lawsuit outlining the allegations against the defendant. The strength of the complaint may be considered in the pre-settlement funding underwriting process.
  • Comparative Fault: A legal doctrine in which the plaintiff’s compensation may be reduced if they are partially at fault for their injury. Funding companies consider comparative fault in their evaluation since it can affect the potential settlement amount.
  • Litigation: The legal proceedings of a case during which plaintiffs may seek pre-settlement funding to support their financial needs.

Case Compensation Terms

  • Settlement: The agreed-upon amount awarded to resolve a case, often used to repay pre-settlement funding. It is usually provided as a lump sum payment.
  • Damages: The compensation sought by the plaintiff, covering losses like medical expenses, lost wages, and more.
  • Court Award: A sum of money granted by a judge or jury as compensation to the plaintiff at the conclusion of a trial. Unlike a settlement, which is negotiated between parties, a court award is a legally ordered payment by the defendant.
  • Structured Settlement: A payout method where plaintiffs receive periodic payments instead of a lump sum, often compared with single settlements in funding decisions.

Insurance and Injury Terms

  • Personal Injury: A type of legal case where an individual seeks compensation for physical or emotional harm caused by another party’s negligence, most commonly involving a car accident. Pre-settlement funding is commonly used by personal injury plaintiffs to cover expenses while awaiting their case outcome.
  • Insurance: Financial protection provided by an insurance company that covers certain losses or damages. In personal injury cases, insurance companies may be responsible for paying the settlement, which can affect the case timeline.

Underwriting and Approval

  • Underwriting: The process of evaluating a case’s strength and potential outcome to determine funding eligibility.
  • Attorney Cooperation: The involvement of your attorney working with the funding provider to assess case details for eligibility.
  • Approval Process: The steps required to assess and approve a plaintiff for pre-settlement funding may include reviewing case details and estimated settlement value.

Disbursement and Use of Funds

  • Disbursement: The release of funds to plaintiffs after approval, often occurring within 24–48 hours.
  • Champerty: An arrangement in which a third party provides financial assistance to a plaintiff to bring legal action in exchange for a share of the proceeds from the lawsuit. In the context of pre-settlement funding, champerty laws vary by state but should not directly influence the availability and terms of funding, as the non-recourse advance is not intended to cover the cost of litigation.

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Cases We Fund

    • Car accidents
    • Commercial truck accidents
    • Motorcycle accidents
    • Pedestrian and crosswalk Injuries
    • Assault and Battery Cases
    • Sexual Assault Cases
    • Employment Discrimination Claims
    • Wrongful Termination Claims
    • Jones Act Claims
    • Boating Accidents

Car accidents

Car accident cases arise when individuals suffer injuries or property damage due to the negligence of other drivers. These claims can take months or even years to resolve, especially when multiple parties and insurance companies are involved.

The severity of injuries often requires ongoing medical treatment, rehabilitation, and therapy, which can strain finances. Pre-settlement Funding can help cover lost wages, ongoing medical expenses, and general living costs, allowing you to maintain financial stability as you wait for your settlement. Apply today for car accident funding to ease your financial burden and focus on recovery.

Icon representing victims of car accidents needing pre-settlement funding support.

Commercial truck accidents

Truck accidents often result in serious injuries and complex legal challenges, given the involvement of large commercial vehicles and multiple stakeholders. These cases can take time to resolve, especially with large corporations and insurers involved.

Victims frequently require extensive medical treatment, putting a strain on personal finances. Truck accident funding provides support for medical bills, household expenses, and lost income, helping you stay financially secure while your case unfolds. Apply today to ease your financial stress during recovery.

Icon representing commercial truck accident case victims requiring pre-settlement funding cash relief.

Motorcycle accidents

Motorcycle accidents can lead to life-changing injuries due to the limited protection riders have on the road. These cases often involve serious injuries that require prolonged medical care and rehabilitation, adding financial strain during recovery.

Pursuing a fair settlement can be a lengthy and stressful ordeal, especially with insurance companies challenging liability. Motorcycle accident funding helps cover urgent expenses like medical bills and living costs, giving you financial stability as you await your settlement. Apply today to relieve the financial burden and focus on your recovery.

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Pedestrian and crosswalk Injuries

Pedestrian and crosswalk injuries often result in severe harm due to the unprotected nature of pedestrians. These cases can be complex, as they may involve disputes over right-of-way, distracted driving, or inadequate signage.

Recovery from such injuries frequently requires intensive medical treatment, which can be a significant financial burden on the victim. Pedestrian injury funding can help cover medical expenses, lost income, and essential living costs while you pursue fair compensation. Apply today for a lawsuit cash advance to ease your financial strain and prioritize your healing.

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Assault and Battery Cases

Assault and battery cases involve intentional harm, often leaving victims with physical injuries, emotional trauma, and financial strain. These claims can be complex to litigate, as they may involve criminal and civil proceedings.

Victims may face high medical costs and lost wages while they recover and seek justice. Pre-settlement funding for assault lawsuits provides financial support to help cover essential expenses during this difficult time, giving you stability as your case progresses. Apply today to alleviate financial stress and focus on your recovery.

Icon representing assault and battery case victims needing pre-settlement funding support.

Sexual Assault Cases

Sexual assault cases are deeply traumatic and can lead to both physical and emotional injuries that require extensive care and support. These cases often involve complex legal proceedings that may take several years to resolve, adding to the emotional and financial burden on survivors.

Non-recourse legal funding offers financial assistance to help cover medical bills, therapy, and essential living expenses, allowing you to focus on healing and recovery while seeking justice. Apply today for immediate cash support during this challenging time.

Employment Discrimination Claims

An employment discrimination case arises when a worker faces unfair treatment based on protected characteristics like race, gender, age, religion, disability, or sexual orientation.

Such workplace discrimination cases often involve lost wages, emotional distress, and legal battles that can be financially and emotionally taxing. Pre-settlement funding can help victims of employment discrimination by providing financial support during the legal process, allowing them to cover living expenses and focus on their case without the pressure of settling prematurely due to financial hardship.

Icon representing workplace discrimination, with scales of justice over a desk setup with a computer, symbolizing employment discrimination claims.

Wrongful Termination Claims

A wrongful termination case involves an employee being fired in violation of their legal rights, such as being dismissed due to discrimination, retaliation for whistleblowing, or breach of contract. Victims of wrongful termination often face unexpected financial strain from lost income arising out of the injustice.

Pre-settlement funding can be valuable in these cases. It can help unfairly fired individuals cover their bills and living expenses while they work toward a fair resolution, reducing the pressure to accept an early, less favorable settlement due to financial need.

Icon representing wrongful termination, with a terminated employee holding a briefcase outside an office exit with head down out of distress.

Jones Act Claims

Jones Act claims involve maritime workers who have been injured on the job due to unsafe working conditions or employer negligence. These cases can be complex, as they fall under specific maritime laws, often leading to lengthy legal processes.

Injured crew members may face extended recovery periods and substantial medical costs, which can strain finances. Jones Act lawsuit funding provides financial support for medical expenses, lost wages, and daily living costs, helping you stay afloat while your attorney pursues your claim. Apply today for Jones Act funding to maintain financial stability during your recovery.

Boating Accidents

Boating accidents often lead to severe and fatal injuries, from fractures to spinal injuries, due to limited safety protections on the water. These watercraft collision incidents can result from factors like operator negligence, equipment failure, or hazardous water conditions, which complicate legal claims.

Pre-settlement funding for boat accidents provides crucial support for medical expenses, lost income, and essential living costs, helping you maintain financial stability as you pursue fair compensation for your loss. Apply today to secure boating accident funding and focus on your recovery with peace of mind.

Illustration of two boats colliding, representing a boating accident or boating accident injury cases.

To learn more, apply now or call (888) 232-9223

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Frequently Asked Questions (FAQs) About Pre-Settlement Funding in Texas

What is pre-settlement funding?

Pre-settlement funding is a financial service that provides plaintiffs with immediate cash in exchange for a portion of their future settlement. It is non-recourse, meaning you only repay the advance if you win your case.

How quickly can I receive pre-settlement funding for my case?

Once your application is approved, you can typically receive the funds within 24 hours. The speed of funding makes it an attractive option for those in urgent need of financial assistance during car accident and injury lawsuits.

Do I need a good credit score to qualify for pre-settlement funding?

No, your credit score is not a factor in the approval process. The funding decision is based on the strength and value of your case, not your credit history.

What types of cases are eligible for pre-settlement funding in Texas?

Pre-settlement funding is available for various types of cases, including personal injury, slip and fall, motor vehicle accidents, product liability, wrongful death, and civil rights/employment discrimination.

How much funding can I receive?

The amount of funding you can receive depends on the specifics of your case. It can range from $500 to $500,000, mostly based on the estimated value of your potential settlement. Factors like insurance policy limits and how much your medical bills are impact the amount. If it’s early in the case and you don’t have significant injuries, the approved amount will likely be closer to $500.

Is pre-settlement funding a loan?

No, pre-settlement funding is not considered a loan in Texas (although it is commonly referred to as a lawsuit loan). It is a non-recourse cash advance against your future settlement. You don’t have to repay the advance if you lose your case, making it a risk-free financial product.

How do I apply for pre-settlement funding in Texas?

Texas residents can apply for pre-settlement funding by filling out the short application form on the Express Legal Funding website. You can also contact us directly at (888) 232-9223 for more information.

What happens if I lose my case?

If you lose your case, you do not have to repay the pre-settlement funding. This non-recourse feature makes it a risk-free option for plaintiffs and their attorneys alike.

What are the fees associated with pre-settlement funding?

Pre-settlement funding fees are generally included in the final repayment amount, so no upfront costs are required. It’s important to review and understand these fees with both the funding company and your attorney before accepting the advance to ensure full transparency. Common fees among legal funding companies may include:

  • Underwriting fee
  • Origination fee
  • Document processing fee
  • Delivery fee
  • Administration fee.

Understanding these potential charges can help you make an informed decision about your funding options.

Can I use pre-settlement funding for any type of expense?

Yes, you can use pre-settlement funding for any type of expense besides paying for the actual costs of litigating your case against the liable party. This can include medical bills, general living expenses, and other costs that arise while you wait for your case to settle. 

How does pre-settlement funding affect my settlement?

Pre-settlement funding can help you secure a fairer settlement by alleviating the financial pressure to settle prematurely. While it doesn’t impact the outcome of your case, it offers financial support to sustain you until your case is resolved. If you win (or settle), the repayment amount is simply deducted from your settlement, allowing you to focus on achieving the best possible outcome without immediate financial strain.

Is pre-settlement funding legal in Texas?

Yes, pre-settlement funding is legal in Texas. While the financial product remains largely unregulated compared to other states, it plays a vital role in the Texas personal injury landscape, offering essential financial support to plaintiffs during litigation. Recognized and trusted by law firms and clients statewide, pre-settlement funding helps plaintiffs manage their financial needs while their cases progress.

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With our low cost legal funding, you can start your financial recovery early.™ Applying is always risk-free. Plus, unlike some lawsuit funding companies, we don’t do any unfair and damaging hard credit pulls.