No Credit Check · No Monthly Payments · You Owe Nothing If You Lose

Your Lawsuit Has Value Right Now. You Shouldn't Have to Wait Years to Access It.

Legal cases can take months or even years to resolve, but your bills don't wait. Whether you're searching for lawsuit loans or pre-settlement loans, One Debt Solution connects you with certified funding providers who can advance a portion of your expected settlement today, so you can cover living expenses, medical bills, and lost income while your attorney fights for the full amount you deserve.

Connects You With Certified and Vetted Legal Funding Providers

Check My Pre-Settlement Funding Options. Free.

No credit check. No monthly payments. Free case evaluation. You owe nothing if you lose.

100%

Free to Use, No Cost, Ever

Free

Full Transparency on How We Work

24–48 Hrs

To Your Case Evaluation

Owed If You Lose Your Case

Pre-settlement funding is non-recourse, meaning if you don't win your case, you don't pay back a cent. The risk sits with the funding provider, not with you.

Types of Cases We Help Fund

Our certified providers work with plaintiffs across a wide range of personal injury and civil litigation cases. If you have an attorney working on contingency and a strong pending claim, you may qualify.

Auto and Car Accidents

Motor vehicle accidents, rear-end collisions, drunk driving injuries, rideshare accidents such as Uber or Lyft, and commercial vehicle accidents.

Slip and Fall / Premises Liability

Injuries caused by unsafe property conditions, negligent maintenance, or failure to warn, at homes, businesses, or public spaces.

Medical Malpractice

Delayed diagnosis, surgical errors, medication mistakes, birth injuries, and other cases involving healthcare provider negligence.

Workplace Injuries

On the job accidents, workers' compensation disputes, and workplace negligence claims not covered by standard workers' comp.

Product Liability

Injuries caused by defective products, unsafe consumer goods, or pharmaceutical side effects not disclosed by manufacturers.

Employment Discrimination

Wrongful termination, workplace discrimination, harassment, and retaliation claims filed under state or federal employment laws.

Don't see your case type? Submit your info and a specialist will review your case for free. We fund a wide range of civil litigation claims.

Is Pre-Settlement Funding Right for You?

This may be a good fit if:

You have a pending personal injury or civil lawsuit with an attorney representing you
Your attorney works on contingency, meaning no win, no fee
You're struggling to cover living expenses, rent, medical bills, or lost income while your case is pending
You want to avoid settling too early just because you need money now

This may not be the right fit if:

You don't currently have an attorney representing your case
Your case has already settled or reached a verdict
Your state does not permit pre-settlement funding — we'll confirm eligibility in your free evaluation

Not sure if you qualify? Submit your info and a specialist will review your case for free. No commitment required.

How Pre-Settlement Funding Works

3 simple steps. No credit check. No monthly payments. No risk if you lose. Just cash now while your case moves forward.

Start My Free Case Evaluation

Tell Us About Your Case

Share basic details about your pending lawsuit, your attorney, and your expected timeline. Takes about 2 minutes. No credit check required.

Your Matched Provider Evaluates Your Case

A certified funding provider reviews the strength and expected value of your claim, not your credit score or employment history. Approval is based entirely on your case.

Receive Your Funds

If approved, you receive cash, often within 24 to 48 hours of approval. Your attorney repays the advance from your settlement when your case resolves. If you lose, you owe nothing.

How Does Pre-Settlement Funding Work?

Non-Recourse Funding, No Risk If You Lose

Pre-settlement funding is what's known as non-recourse financing, meaning repayment only occurs if your case wins or settles in your favor. If you lose your case, you owe nothing back. This is fundamentally different from a personal loan or credit card advance, where you're obligated to repay regardless of your circumstances. The funding provider takes on the risk, not you, which is why approval is based on the strength of your case, not your credit score or income.

Free Service, No Cost to You

One Debt Solution does not charge any cost to users. Our service is completely free to evaluate. No upfront costs, no application costs, no hidden charges at any stage. We connect you with certified, vetted pre-settlement funding providers at no cost, ever. The funding terms, including the amount advanced and the repayment amount taken from your settlement, are fully explained by your matched provider and reviewed by your attorney before you agree to anything.

Why It Helps You Get a Better Settlement

One of the most important, and least discussed, benefits of pre-settlement funding is negotiating power. Insurance companies and defense attorneys know that plaintiffs under financial pressure are more likely to accept a low early settlement offer just to get cash fast. Pre-settlement funding removes that pressure. When you can cover your expenses while your case continues, your attorney has the time and leverage to negotiate the full settlement you actually deserve.

Pre-settlement funding availability and terms vary by state and case type. Your attorney must cooperate with the evaluation process. We do not provide legal advice.

Pre-Settlement Funding vs. Your Other Options

Category	One Debt Solution	Other Options
Credit Check Required	No	Varies by option
Monthly Payments	None	Many require immediate monthly payments
Repayment If You Lose	None (non-recourse)	Most loans must still be repaid
Based on Case Strength	Yes	Varies by option
Preserves Negotiating Power	Yes	May encourage earlier settlement
Speed to Receive Funds	24–48 hours after approval	Immediate to several weeks
Best For	Plaintiffs needing funding without traditional debt	Those using traditional financing or other alternatives

Real People. Real Relief.

"I was in a serious car accident and couldn't work for three months. My case was strong, liability was clear, but my attorney said it could take another 8 to 12 months to settle for the right amount. I was about to accept a low offer just because I needed to pay rent. One Debt Solution connected me with a pre-settlement funding provider who advanced me $12,000 against my expected settlement within two days. I was able to hold out, and my final settlement was almost three times the early offer."

Paxten R.

Atlanta, Georgia

Don't Settle Your Case Early Just Because You Need Money Now

Pre-settlement funding lets you cover your expenses today while your attorney fights for the full settlement you deserve. Free case evaluation, no credit check, no monthly payments, nothing owed if you lose.

Support now. Relief today. Peace of mind.

Check My Pre-Settlement Funding Options. Free.

Pre-Settlement Funding. Your Questions Answered.

Pre-settlement funding, also called a lawsuit loan or lawsuit cash advance, is a cash advance provided to plaintiffs with pending legal cases, based on the expected value of their settlement. Unlike a traditional loan, repayment only occurs if your case wins or settles. If you lose, you owe nothing. It's designed to help plaintiffs cover living expenses while their case continues toward a full resolution.

You apply with basic details about your pending case. Your matched provider evaluates the strength and expected value of your claim, not your credit score. If approved, you receive cash, often within 24 to 48 hours. When your case resolves, your attorney repays the advance and agreed costs from your settlement proceeds. You never make monthly payments and you never pay out of pocket.

No. Pre-settlement funding approval is based entirely on the strength and value of your legal case, not your credit history, employment status, or income. If you have a strong pending claim and an attorney working on contingency, you may qualify regardless of your credit situation.

If your case does not win or settle in your favor, you owe nothing. Pre-settlement funding is non-recourse. The funding provider takes on the risk of your case outcome, not you. This is what makes it fundamentally different from a personal loan or any other type of financing.

The amount you can receive depends on the strength of your case, the expected settlement value, and the stage of your litigation. Funding amounts can range from a few thousand dollars to significantly more for high-value cases. Your matched provider reviews your case and provides a realistic funding estimate during your free evaluation.

Pre-settlement funding does not affect the legal proceedings of your case. Your attorney continues to negotiate on your behalf as normal. In fact, many attorneys note that clients with pre-settlement funding are less likely to accept low early settlement offers, because they're not under the same financial pressure, often resulting in higher final settlements.

Most personal injury and civil litigation cases with a strong liability position and an attorney working on contingency can qualify. Common case types include auto accidents, slip and fall, medical malpractice, workplace injuries, product liability, and employment discrimination. Cases in active litigation with clear liability and insurance coverage typically have the strongest approval rates.

Look for providers with transparent terms, no monthly payments, and non-recourse funding where you owe nothing if you lose. One Debt Solution connects you with certified, vetted pre-settlement funding companies rather than a single provider, so your attorney can compare terms and help you choose the option that best fits your case.

Still Have Questions? Get a Free Case Evaluation. No Obligation.

Here's Exactly What Happens Next

A legal funding specialist reviews your case details, usually within 24 hours, and may contact your attorney to gather case documentation.

You receive a call or email with your funding options, the advance amount, and full repayment terms. No pressure, no obligation to proceed.

If you decide to move forward, your attorney reviews and signs the funding agreement. Funds are typically disbursed within 24 to 48 hours of final approval.

We only provide your information to certified, vetted providers relevant to your situation, never to unrelated third parties. One contact from one specialist — that's the standard we hold ourselves to.