If you’re involved in a lawsuit in California and facing financial strain, pre-settlement funding can provide the cash you need to cover expenses while you wait for your case to settle. Unlike traditional loans, lawsuit funding is risk-free—you only repay if you win your case. Learn how pre-settlement funding works in California and how you can apply today.

What is Pre-Settlement Funding in California?

Pre-settlement funding, also known as a lawsuit cash advance, provides financial relief to plaintiffs with pending legal cases. In California, this type of funding is non-recourse, meaning you don’t have to repay the advance if you lose your case.

Rather than being based on credit scores or income, funding approval depends on the strength of your lawsuit and its likelihood of success. This makes it an accessible option for individuals struggling with medical bills, rent, and daily expenses during litigation.

Who Qualifies for Pre-Settlement Funding in California?

To be eligible for lawsuit funding in California, you must meet the following requirements:

• You have an active lawsuit – Typically, personal injury, medical malpractice, wrongful death, or employment disputes qualify.
• You are represented by an attorney – You must have a lawyer working on contingency (they only get paid if you win).
• Your case has a strong chance of success – Legal funding companies evaluate your case’s potential settlement value before approval.

Benefits of Pre-Settlement Funding for Plaintiffs

Once approved, lawsuit funding provides fast access to cash, which can be used for:

• Medical bills
• Rent or mortgage payments
• Utility bills
• Daily living expenses
• Legal costs

No-Risk Legal Funding – Pay Only If You Win

One of the biggest advantages of pre-settlement funding is that it’s non-recourse. This means that if your case does not settle in your favor, you are not required to pay back the advance.

Fair Settlements – Avoid Pressure to Settle Early

Insurance companies often use delay tactics, hoping plaintiffs will settle for less due to financial hardship. With lawsuit funding, you can hold out for a fair settlement without financial pressure.

Fast Access to Funds

Traditional financial assistance can take weeks, but pre-settlement funding is quick—often within 24-48 hours of approval.

How California Personal Injury Law Affects Pre-Settlement Funding

Understanding California’s personal injury laws is crucial for plaintiffs seeking pre-settlement funding, as these laws directly impact the strength of a case and its potential settlement value. Key legal factors—such as the statute of limitations, comparative negligence rules, and damage caps—all play a role in determining eligibility and funding amounts.

Statute of Limitations in California

California law gives injured parties two years from the date of their injury to file a lawsuit against the at-fault party. If a claim is not filed within this timeframe, the plaintiff loses the right to seek compensation in court. However, if the claim is against a government entity, the deadline is much shorter—plaintiffs must file within six months and follow strict procedural guidelines.

Since legal funding is based on the likelihood of a successful settlement, cases that fall within the statute of limitations are far more likely to qualify for pre-settlement funding.

California’s Comparative Negligence Rule

California follows the pure comparative negligence rule, meaning that even if a plaintiff is partially at fault for an accident, they can still recover compensation. However, their settlement amount will be reduced based on their percentage of fault.

For example:

• If a plaintiff is awarded $100,000 in damages but is found 30% at fault, they will receive $70,000 instead.
• If they are 90% at fault, they can still recover 10% of the damages.

Since pre-settlement funding is based on estimated settlement value, plaintiffs with higher fault percentages may qualify for lower funding amounts due to reduced potential payouts.

Compensation & Damage Caps in California

California personal injury settlements include two types of damages:

• Economic Damages – Medical expenses, lost wages, property damage
• Non-Economic Damages – Pain and suffering, emotional distress, loss of enjoyment of life

In most personal injury cases, there is no cap on compensatory damages. However, California does limit certain non-economic damages:

• Uninsured drivers involved in a car accident (even if not at fault) cannot claim non-economic damages unless the at-fault driver was convicted of a DUI.
• Medical malpractice cases have a $250,000 cap on non-economic damages (such as pain and suffering).

Since pre-settlement funding is determined by potential compensation, these damage caps may affect the total amount of funding a plaintiff can receive.

California Laws & Regulations for Pre-Settlement Funding

Pre-settlement funding is legal in California, but it is not classified as a traditional loan. Because of this, it is not regulated by banking or lending laws. However, plaintiffs should always:

• Work with a reputable legal funding provider
• Review all terms, fees, and repayment conditions before accepting funding
• Consult with their attorney before signing an agreement

How to Apply for Pre-Settlement Funding in California

Getting pre-settlement funding is simple:

1. Submit an Application – Provide case details and attorney information to a funding company.
2. Case Evaluation – The provider assesses the strength of your lawsuit and estimated settlement value.
3. Approval & Funding – If approved, you can receive cash within 24-48 hours.
4. Repayment Upon Settlement – If you win your case, repayment is deducted from your settlement. If you lose, you owe nothing.

Types of Cases Eligible for Pre-Settlement Funding in California

At Fort Morgan Funding, we provide pre-settlement funding for a wide range of personal injury cases in California. If you’ve been injured due to someone else’s negligence, you may qualify for a lawsuit cash advance. Here are some common types of cases we fund:

• Personal Injury
• Car Accidents
• Assault & Battery 
• Birth Injury 
• Bus Accidents
• Motorcycle Accidents
• Burn Injury 
• Slip & Fall

Why Choose Fort Morgan Funding for Lawsuit Funding?

• Fast approvals & funding within 24 hours
• No upfront costs or credit checks
• 100% risk-free – no repayment if you lose
• Transparent terms with no hidden fees
• Trusted by plaintiffs across California

FAQs About Pre-Settlement Funding in California

How much money can I get from pre-settlement funding?

Funding amounts vary based on your case but typically range from 10-20%.

Can I get funding if I have bad credit?

Yes! Pre-settlement funding is based on your case, not your credit history.

How long does it take to receive my funds?

Once approved, you can receive your cash advance in as little as 24-48 hours.

Is pre-settlement funding considered a loan?

No. It’s a non-recourse advance, meaning you only repay if you win your case.

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

Simply fill out an application, and our team will evaluate your case. If approved, you’ll receive funds quickly to help with your expenses.

Contact Us for Pre-Settlement Funding in California

At Fort Morgan Funding, we understand how stressful it can be to wait for your lawsuit to settle while managing everyday expenses. Our fast, risk-free pre-settlement funding can provide the financial relief you need, allowing you to focus on your case without financial pressure.

If you’re ready to apply or have any questions, contact us today! Our team is here to help you get the cash you need—quickly and hassle-free.

Don’t let financial stress force you into an unfair settlement—get pre-settlement funding with Fort Morgan Funding today!