New to this? You may want to start with how pre-settlement funding works or why it isn't a loan. Otherwise, here are the questions we hear most.
Is pre-settlement funding a loan?
No. It's a non-recourse advance, which is different from a loan. Non-recourse means it's repaid only from your settlement, and only if you win. If your case doesn't win, you owe nothing.
How much money can I get?
There's no set number. The amount is based on your case, and it grows as your case moves forward. Every case is different and any amount is subject to final confirmation — it's earned as your case develops, not guaranteed up front. Your case sets your limit.
Do you check my credit?
No. There is no credit check, ever. Your credit score is never part of pre-settlement funding, and using it doesn't affect your credit.
What happens if I lose my case?
You owe nothing. Because the advance is non-recourse, it's repaid only from a winning settlement. If there's no recovery, there's nothing to pay back — no bill, no collections.
How do I pay it back?
You don't make monthly payments. The advance is repaid once, at the end, out of your settlement proceeds — usually straight from your attorney's trust account. You receive the rest.
Does my attorney have to be involved?
Yes. Lexa always works through your own attorney's law firm. You never deal with a lender on your own, and your attorney keeps full and exclusive control of your case.
Will funding affect my case or my settlement?
No. A funder must never direct your legal strategy, your lawyer, or your medical treatment, and Lexa doesn't. Your attorney runs your case exactly as they would otherwise.
What can I use the money for?
It's for your personal and family needs while you wait — everyday living expenses like rent, groceries, transportation, and bills. It is not for paying the costs of running your lawsuit.
How fast can I get the money?
It depends on your case and your firm, so we can't promise a specific timeline. Because it works through your attorney's firm, the firm helps move things along. Approval is never guaranteed.
Do I qualify?
Whether funding is available depends on your case, not your credit. The best way to find out is to ask your attorney's firm about Lexa, or leave your details and a specialist will reach out — with no obligation and no credit check.
What does it cost?
Like any funding, a non-recourse advance has a cost. You'll see the full costs and terms laid out plainly in your funding agreement before you sign anything. And because it's non-recourse, that cost is only ever paid out of a settlement you win.
What if my case takes a long time to settle?
That's fine. There are no monthly payments and nothing is due while you wait. The advance is repaid only when your case settles — so a longer wait doesn't mean a payment you can't make.
Still have a question? If you have an attorney, ask their firm about Lexa. If you don't, you can leave your details and a specialist will reach out — gently, and with no pressure.