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How Much Can I Get?

Pre-settlement funding can give you the money you need to cover bills and other expenses while you wait for your personal injury or liability claim to settle. Instead of taking out a loan or charging things to your credit card, you can use your own cash sooner.

How much money can you get? At Peachtree Financial, we’ve helped thousands secure pre-settlement funding and this is one of the most common questions our representatives hear. Unfortunately, it’s also one of the hardest questions to answer because how much you can get comes down to details that are unique to your claim.

We’ll try to answer the question as best we can, but the quickest way to find out how much you can get as an advance on your future settlement proceeds is by contacting us. That way, our representatives can connect you with a company who can offer you an advance on your future settlement proceeds.

Pre-Settlement Funding Is an Advance

Pre-settlement funding is an advance a company offers you in exchange for a portion of what you receive because of your claim. Unlike a loan, you are not borrowing anything. It’s your money, you just have the option to receive it sooner. Understanding this distinction is important because how much you can receive as a pre-settlement advance is limited by the expected outcome of your claim.

Estimating Your Expected Settlement

When you apply for pre-settlement funding, the company offering you an advance must first estimate the final value of your settlement. The company interested in buying a portion of your claim will discuss the case with your attorney and use that information to determine the potential value of your future settlement.

Every company that offers pre-settlement funding has a different way to estimate that value, but their estimates often consider:

  • What your attorney thinks they can settle your claim for
  • How strong your attorney thinks your case is
  • How long your attorney estimates your case will take

A pre-settlement advance is a non-recourse funding. The company offering you an advance is buying part of your future settlement proceeds. While they generally buy claims that they are confident will settle, they still take a risk. If, for some reason, your claim is not successful, they will not receive what they purchased.

Companies try to limit this risk as much as possible, but they will use risk to help them determine the amount they are willing to advance.

Estimating What They’ll Purchase

Once a company has an estimate of the value of your settlement, they can offer you an advance on your future settlement proceeds based on that value. Since any purchase has risk, most companies will only purchase a small percentage of your total expected settlement to help them limit their risk.

When your claim is resolved, your attorney deducts their fees and pays the company the portion they purchased.

What If I Need Another Advance Later?

If you’re still waiting for your case to settle and need another advance, you might be able to sell more of your expected settlement by contacting Peachtree Financial again to get an updated quote. In general, you can only sell a percentage of your claim, so the size of your first sale will help determine how much you can sell the second time.

Get Your Pre-Settlement Quote

At Peachtree Financial, we’ll help connect you with a company willing to offer you an advance on your pending personal-injury claim. Give us a call today, or fill out our contact form and we’ll be happy to help you discover what your options are.

Peachtree Financial does not offer legal, tax, or financial advice. Please contact independent professionals for those services.

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