This guide is general information, not legal advice. Laws change and every situation is different. For advice about your own case, talk to your attorney.
If you're an injured person in Arizona waiting on a settlement, pre-settlement funding can help you cover life's bills during the wait. Arizona has specific rules for this kind of funding, and it's worth understanding the basics so you know what you're getting into.
What pre-settlement funding is in Arizona
It's money provided to an injured person while their case is still open, repaid later from the settlement. In Arizona, as everywhere Lexa operates, it is non-recourse: if your case doesn't win, you owe nothing. It comes through your own attorney's firm — not from a stranger, and never in a way that puts a lender between you and your lawyer.
How Arizona law treats it
Arizona has a law covering litigation financing (Senate Bill 1215, in effect since January 1, 2026, in Title 12, Chapter 28 of the Arizona statutes). It sets rules for certain funding contracts — things like disclosures and who can do what.
The law also carves out an exclusion for money used for a person's own personal and family needs — everyday living expenses — as long as the money is not used to pay the costs of the lawsuit itself. That's exactly how Lexa is built: the money is for your life (rent, groceries, transportation, bills), not for court costs, filing fees, expert witnesses, or running the case. Keeping that line clean is deliberate.
Your attorney stays in control
This is a bedrock rule, and Arizona law reinforces it: you and your attorney keep full and exclusive control of your case. A funder must never direct your legal strategy, your lawyer, your settlement decisions, or your medical treatment. Lexa doesn't. Your doctor sets your treatment; your attorney runs your case. Lexa is simply the platform your firm uses to keep you funded and informed.
Disclosures and honesty
Good funding is transparent funding. Before you sign anything, the full costs and terms are disclosed in your funding agreement, in plain language. You should never feel rushed or confused about what a funding arrangement costs. If you do, that's a red flag — stop and ask questions.
What to look for in any Arizona funder
- Non-recourse. You owe nothing if you lose. Anything else is a loan wearing a costume — see funding vs. a loan.
- Works through your attorney. You should not be cut out of your own legal team.
- Clear costs, disclosed up front. The full terms in writing, before you sign.
- No credit check, no pressure. Your credit score shouldn't matter, and nobody should push you.
How much can you get in Arizona?
There isn't a set number. What's available is based on your case and grows as it develops, and it's always subject to final confirmation. Your case sets your limit — it's earned as your case moves forward, not guaranteed at the start.
Next steps
Read how pre-settlement funding works for the full walk-through, or the FAQ for quick answers. If you have an attorney in Arizona, ask their firm about Lexa — it's free for them to set up.