A personal-injury case can take months, sometimes years, to settle. Meanwhile rent is due, you may be missing work, and the medical bills keep coming. Pre-settlement funding is money you can get during that wait. You get it now, and you pay it back later out of your settlement — only if your case wins.
It always works through your attorney's law firm. You never deal with a lender on your own, and it never changes who is fighting for you. Your attorney stays in full control of your case.
It's not a loan
This is the part people miss. A pre-settlement advance is non-recourse. That's a legal word that means one simple thing: if you don't win your case, you owe nothing. There's no bill to chase you, no collections, no hit to your credit. The money is repaid only from the settlement, and only if there is one. Because of that, it works very differently from a loan — see pre-settlement funding vs. a loan.
The steps, start to finish
- Your firm signs you up. Your attorney's firm adds you to Lexa. There's no application to a lender and no credit check — ever. Your credit score is never part of this.
- You take part in your case. Your attorney gives you simple steps — going to your treatment, turning in records, filling out forms. These are the same steps that make your case stronger.
- Funding unlocks as you go. As you take part, funding becomes available to you. It isn't handed over all at once — it grows as your case develops. Your case sets your limit.
- You get the money and use it. The cash goes to you for everyday life — rent, groceries, car payments, bills. It's yours to use.
- It's repaid at settlement. When your case settles, the advance is paid back from the settlement proceeds, usually straight from your attorney's trust account. You receive the rest.
What you can use it for
Pre-settlement funding is for your personal and family needs while you wait — everyday living expenses like housing, food, transportation, and other bills. It is not for paying the costs of running your lawsuit. Keeping the money for personal use (not case expenses) is part of what keeps this simple and honest.
How much can you get?
There's no one-size 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.
What it costs
Funding isn't free — there is a cost to it, and you should understand it before you agree to anything. The full costs and terms are laid out plainly in your funding agreement, and nothing is signed until you've seen them. We keep the costs sober and clear on purpose. Because the advance is non-recourse, that cost is only ever paid out of a winning settlement.
Getting started
Already have an attorney? Just ask their firm about Lexa — they can get set up at no cost. Not sure where to start? You can leave your details and a specialist will reach out, gently and with no pressure. Either way, there's no credit check and no obligation.