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Pre-settlement funding is a cash advance on your pending lawsuit or claim. In most states, it is non-recourse — if your case is unsuccessful, you owe nothing, and there are no monthly payments or upfront costs. In a small number of states where regulations require it, funding may be structured as a loan with different terms. We will always clearly explain how your funding is structured before you sign anything. In every state, your case merits — not your credit — determine whether you qualify.

In most states, no — pre-settlement funding is not a loan. It is a non-recourse cash advance, meaning repayment depends entirely on a successful outcome. In Colorado, state law requires that litigation funding be structured as a loan, so SMP's Colorado funding operates under our license as a Supervised Lender under the Colorado Uniform Consumer Credit Code. Regardless of how your funding is structured, we never run credit checks, check employment history, or require collateral. Your case merits alone determine whether you qualify, and we will always clearly explain your funding structure before you sign anything.

Once we have all required documentation from your attorney, our review typically takes 24–48 hours. After you sign your approval, funds are delivered the same day or the next business day by check via mail or wire transfer directly into your account.

In most states, you owe us nothing. Pre-settlement funding is non-recourse — if there is no award or settlement, there is no obligation to repay. In Colorado, where funding is structured as a loan by state law, standard loan repayment terms apply regardless of case outcome.

Yes, as long as there is sufficient information for us to determine the approximate value of your case. You can begin your application at any stage, and we'll work directly with your attorney to gather whatever we need.

Yes. Attorneys are typically eager to help clients obtain pre-settlement funding because it prevents clients from accepting low settlement offers simply due to financial pressure. When you're not desperate, your attorney has more time to fight for what your case is really worth.

Fees and rates are determined on a case-by-case basis. Your repayment amount is provided and thoroughly explained before you sign anything — no surprises. Importantly, our rates do not compound monthly, which means you keep more of your settlement compared to many other funding companies.

Anyone legitimately pursuing a qualified lawsuit or claim who needs a cash advance may apply. Qualifying case types include personal injury, workers' compensation, wrongful death, medical malpractice, civil rights, premises liability, construction accidents, dog bites, FELA/railroad injuries, and more. Contact us if you're unsure whether your case qualifies.