How to apply for legal funding

Because the wheels of justice really do grind slowly, and the cost of lawsuits can undoubtedly take a tremendous financial toll on participants, the amount of strain on an injury victim can become almost unbearable over time. Some individuals must wait years for their lawsuit to either reach a settlement or come to a winning judgment.

All the while, living expenses continue to accrue. Mortgages don’t magically stop requiring payments, and neither do utilities, insurance companies, nor medical bills. An injury victim who has not been able to work can quickly become overwhelmed with mounting financial demands. Here’s where legal funding can be the answer.

The following information will endeavor to explain what pre-settlement funding is as well as how a plaintiff can apply for it. At practically any stage during a personal injury lawsuit, the individual can apply for pre-settlement funding . When an injury victim is represented by a lawyer, an application may be made for legal funding if any of these apply:

  • A claim is already filed with the insurer.
  • An attorney has submitted the plaintiff’s demand to the insurer.
  • Plaintiff’s medical records and bills are available to be evaluated appropriately.
  • Plaintiff’s lawsuit is in the pre-litigation stage (no complaint has been filed yet against the insurer)
  • Attorney has filed a suit, but it’s in the early steps of discovery and litigation.
  • Lawsuit settled before going to trial, but the insurer hasn’t paid on time.
  • The case went to trial, and the verdict is in the victim’s favor, but the insurer hasn’t paid the claim yet.
  • Property damage repairs are done, and medical treatment is finished, but litigation hasn’t started yet.

Applying for Pre-Settlement Funding

The term “pre-settlement loan” can be somewhat confusing since pre-settlement funding is not a loan. Instead, the procedure is an advance made against the expected proceeds of a legal suit. The following are some points to review when applying for pre-settlement funding:

Determine the Type of Funding Needed.

Legal funding primarily has two types. There is a slight difference, so understanding them both helps in choosing the one that fits best.

  • Litigation Cost Funding – The injured victim may need financial help to cover the expense of a lawsuit. This could include investigators, court reporters, and expert witnesses. Additionally, it could even involve funds to pay attorney fees. The lending company will periodically send a check to the lawyer. The plaintiff agrees with the lender upfront to pay back either a percentage of the lawsuit proceeds/settlement or all advanced funds with interest.
  • Direct Plaintiff Funding – The injured victim already has an attorney and has filed the lawsuit. The lending company provides a cash advance enabling payment of the plaintiff’s living costs. Typically, such advances are in the range of $2,000 to $15,000. However, they can be for any amount needed. If the plaintiff wins the lawsuit, the amount borrowed is repaid with the settlement money.

Hire an Attorney and File a Lawsuit

A lawsuit must first be filed to receive a pre-settlement advance. A qualified attorney typically has been hired, and a lawsuit is filed in either federal or state court. Often, the lawyer has been hired through a contingency fee agreement whereby the attorney has agreed to accept a percentage of the case’s ultimate verdict or settlement as payment.

Analyze the Case’s Strength

Anyone who files a lawsuit does not automatically qualify for legal funding. The lending company analyzes each case’s strength and only gives advance funding when a case appears healthy. These lending companies often have experienced attorneys on staff to evaluate claims. Injury victims should consult with their attorneys concerning their case’s strength before approaching a funding company.

Apply for Pre-Settlement Funding

With legal representation acquired, a lawsuit filed, and a strong case verified, a plaintiff is now armed to apply for pre-settlement funding to help pay living costs while the lawsuit meanders through the legal system. The funding company will evaluate the legal claims and assess the approximate amount the plaintiff will receive in a verdict or settlement. This information will help the company decide the amount of money to advance and the amount of interest paid by the plaintiff if the lawsuit succeeds.

Review Funding Agreement Proposal With Attorney

When the plaintiff is given documents outlining the terms of a proposed pre-settlement advance, these forms should be carefully reviewed by the plaintiff’s attorney. The lawyer typically accepts responsibility to repay the advance after a case has ended in a successful verdict or settlement. The plaintiff’s final disbursement of funds comes after expenses for court costs, legal representation, and the funding advance have all been paid. In essence, the funding company purchases part of the judgment or settlement and receives repayment at a successful conclusion.

Determine if a Pre-Settlement Cash Advance Works Best

Plaintiffs should consider some crucial factors when determining if a pre-settlement cash advance is best for them. Finding out from the attorney how long it could take for a case to reach a verdict or settlement can help figure out how much funding you will need. Plaintiffs may want to consider alternatives such as a low-interest credit card, a personal loan, borrowing from family or friends, or short-term disability. However, if none of these options are feasible, pre-settlement funding may be the answer.

Contact The Legal Funding Group

Any individual injured in an accident is advised to consult with a legal representative. In the process of claiming compensation for damages, if finances become an issue, plaintiffs may want to speak with their lawyer about applying for pre-settlement funding from The Legal Funding Group to help alleviate financial stress and cover household expenses.

Apply today with our quick and easy online legal funding application form.

The following information should help an individual select the right legal funding company for financial assistance during a lawsuit. There are currently few regulations on such companies, so some lenders may try to take advantage of unsuspecting plaintiffs by charging exorbitant rates or hidden fees. With the information provided here, an individual can make an informed decision when applying for legal funding.

Educate Yourself on the Legal Funding Industry

To make the right decision, it helps to have a working knowledge of how legal funding works. It is also important to note that legal funding may go by different names such as lawsuit funding, litigation funding, and lawsuit loans. All of these terms refer to a funding contract that allows a plaintiff to have early access to some of the lawsuit’s expected settlement proceeds before the case ever reaches a verdict or settlement.

In general, victims of medical malpractice cases, product liability, or personal injury are the people seeking funds for their lawsuits as quickly as possible. If a third-party funding company believes that a case has sufficient merit, it will likely release a cash advance if there has been no prior funding or if additional funding room is available.

The financial provider receives repayment through the plaintiff’s lawyer after the lawsuit settlement award arrives. Every plaintiff’s circumstance is unique, so each contract is custom-designed for that situation. In general, though, the original cash advance amount gets repaid along with the agreed-upon amount of interest. Should the case not end in the plaintiff’s favor, however, no repayment whatsoever is required. This is considered non-recourse legal funding .

Information to Know Before Applying

Signing a contract for legal funding is an essential decision that a plaintiff should not go blindly into just because they need money immediately. Instead, they should endeavor to learn all pertinent details that will lead to an informed, rational decision. Financial desperation should not be the primary motivating factor. Below are some essential questions to ask when considering lawsuit settlement funding.

  1. Must the funds be repaid even if I lose?

If a lawsuit funding company answers yes to this question, the plaintiff should find a different company. Reputable third-party funders will provide the money with the understanding that repayment will take place only if the case is won or settled in the plaintiff’s favor. Upon due diligence, a legitimate funding company will adequately determine whether or not to take the risk.

  1. How long might it take for a case to settle?

This question can best be answered by discussing with the lawyer and the funding company, as many factors determine the length of the lawsuit . If it appears that the lawsuit will be very lengthy, possibly years, the plaintiff will need to carefully consider the amount of interest that will be continuously mounting until the case is over. This factor must be accurately weighed against the need for finances upfront.

  1. Must the Attorney be Involved?

Attorneys should always be involved when considering funding for a lawsuit. If a funding company informs a plaintiff that the attorney does not need to be included, the applicant should walk away from this funder. For one thing, no one knows the strength or weakness of a case like a lawyer who is handling it. The attorney needs to provide details about the case to the funding company for the funding specialists to calculate the risk involved accurately.

No reputable funding company with an appropriate evaluating process will provide finances without talking with the lawyer involved. Likewise, though, a plaintiff should find out if the attorney has any relationship with the funding company or gets some sort of referral fee.

  1. What does the funding company charge, and are there fees?

If a funding company charges a non-refundable application fee, it might be advisable to seek a different company even if the application is denied. Most funding companies require no fees when submitting an application. Additionally, it would be wise to get an itemized breakdown of all fees that the funding company may charge you in addition to the interest amount on the funds.

  1. How is interest on the cash advance calculated?

Some companies apply regular, simple interest to their cash advances. This type of interest accrues daily on the principal amount provided. The best option for repayment is typically simple interest added to the principal.

There is also, however, another form of accrual known as compound interest. This type of accumulation is fantastic if it is being added to one’s bank account balance. When applied to a loan, though, it is not so desirable. This method requires that one repay interest on the cash advance, plus pay interest on the interest that has accrued.

Beware of Loan Sharks in the Legal Funding Industry

Unfortunately, there are funding companies that will take advantage of victims looking for financial assistance. Some of the red flags to watch for are companies that:

  • Use high-pressure tactics very early
  • Will not answer questions raised
  • Have a confusing contract

Do not fall prey to unscrupulous loan sharks. Even if pressured by mounting bills, allow time to find the right financial provider.

Check the Funding Company’s Online Reviews

Before contacting any settlement funding company, read its reviews. Of course, every funder will have a bad apple or two that could not get approved due to weak lawsuits, but the lender you choose should have far more good reviews than bad. You should also examine the negative reviews to see if the funding company responded with an explanation or offered a resolution.

Speak With Your Lawyer

In reality, your attorney will be the pivot point for the funding company’s ultimate decision regarding a cash advance. The full details of the case and the estimated value are crucial to know. Additionally, if any outstanding liens exist that will affect the final lawsuit settlement amount, the funding company must be informed of these.

Once an applicant has spoken with a funding company representative, the plaintiff must communicate with their attorney in preparation for the next steps with the company. This allows the lawyer time to look over all pertinent details and prepare an estimate of the lawsuit’s financial worth. Some paperwork will need to be sent from the law firm to the funding company. The benefit of having an attorney already on board helps foster a good relationship that can aid in moving funding decisions along quickly.

Contact The Legal Funding Group For More Information

If you are interested in applying for legal funding, The Legal Funding Group is here to help. While we offer funding services, our primary goal is to help plaintiffs and law firms acquire the financial support they need to fight for justice.

Find out how to apply for a grant to fund impact litigation that advances economic, environmental and social justice

How to apply for legal funding

Register as an applicant at our Grant Portal (using the button at the bottom of this page).
Complete the eligibility questionnaire to ensure a fit with our grant criteria.
NOTE: Allow two business days for your registration to be activated.

Complete a letter of inquiry (LOI) through our Grant Portal.
Download questions here for help in planning.
Submit the LOI for consideration in quarterly review cycles (see deadlines below).

If invited, complete a full application through our Grant Portal.
Download questions here and our optional budget template for help in planning. Submit the application in advance of the due date.

Respond to any questions we may have about your request.
Discuss your case with a member of our review committee.
Await outcome of quarterly review.

Sign mailed grant agreement and await funding!

Access the other services we offer: pro-bono consulting and referral services, promotional support via social media, class action training, annual class action conference, webinars, online support network, and amicus brief support.

Complete annual status reports via our Grant Portal.
Send us informal case updates or links to media via email at any time.
Contact us when your case concludes and submit a final report.

Pay it forward by repaying your grant with interest if you recover costs/fees on your case.
No need to repay if costs/fees are not recovered.
The cycle begins again!

GRANT DEADLINES

The Impact Fund reviews grant requests four times per year. You may start the process and submit an LOI at any time. Deadlines for our current and upcoming funding cycles are below:

SPRING 2021

LOIs due January 12, 2021
Applications due February 9, 2021
Notifications mid-March

SUMMER 2021

LOIs due April 6, 2021
Applications due May 5, 2021
Notifications mid-June

FALL 2021

LOIs due July 13, 2021
Applications due August 10, 2021
Notifications mid-September

WINTER 2021

LOIs due October 5, 2021
Applications due November 2, 2021
Notifications mid-December

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Final Applications must be submitted by 5:00 PM E.D.T. on May 18, 2020. Applicants are strongly encouraged to make submissions in advance of the deadline.

To register on Grants.gov, applicants must:

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For information and instructions on each of these processes, please see instructions at http://www.grants.gov/web/grants/applicants/applicant-faqs.html

Additional Information on Applying Through Grants.gov

Final Applications for BUILD Transportation Discretionary Grants must be submitted through Grants.gov. To apply for funding through Grants.gov, applicants must be properly registered. Complete instructions on how to register and apply can be found at www.grants.gov. If interested parties experience difficulties at any point during registration or application process, please call the Grants.gov Customer Support Hotline at 1-800-518-4726.

Registering with Grants.gov is a one-time process; however, processing delays may occur and it can take up to several weeks for first-time registrants to receive confirmation and a user password. It is highly recommended that applicants start the registration process as early as possible to prevent delays that may preclude submitting an application by the deadlines specified. Applications will not be accepted after the due date of May 18, 2020; delayed registration is not an acceptable reason for late submission. In order to apply for BUILD Transportation Discretionary Grant funding under this announcement, all applicants are expected to be registered as an organization with Grants.gov. To learn more about registering as an organization with Grants.gov, please see the “Organization Registration Checklist” provided by Grants.gov at the following location:

A complete list of Grants.gov applicant resources can be found here:

Note: When uploading attachments at Grants.gov please use generally accepted formats such as .pdf, .doc, and .xls. While you may imbed picture files such as .jpg, .gif, .bmp, in your files, please do not save and submit the attachment in these formats. Additionally, the following formats will not be accepted: .com, .bat, .exe, .vbs, .cfg, .dat, .db, .dbf, .dll, .ini, .log, .ora, .sys, and .zip.

The following parameters can be used to locate the BUILD 2020 Funding Opportunity on Grants.gov:

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Funding Opportunity Number:

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Find out how to apply for a grant to fund impact litigation that advances economic, environmental and social justice

How to apply for legal funding

Register as an applicant at our Grant Portal (using the button at the bottom of this page).
Complete the eligibility questionnaire to ensure a fit with our grant criteria.
NOTE: Allow two business days for your registration to be activated.

Complete a letter of inquiry (LOI) through our Grant Portal.
Download questions here for help in planning.
Submit the LOI for consideration in quarterly review cycles (see deadlines below).

If invited, complete a full application through our Grant Portal.
Download questions here and our optional budget template for help in planning. Submit the application in advance of the due date.

Respond to any questions we may have about your request.
Discuss your case with a member of our review committee.
Await outcome of quarterly review.

Sign mailed grant agreement and await funding!

Access the other services we offer: pro-bono consulting and referral services, promotional support via social media, class action training, annual class action conference, webinars, online support network, and amicus brief support.

Complete annual status reports via our Grant Portal.
Send us informal case updates or links to media via email at any time.
Contact us when your case concludes and submit a final report.

Pay it forward by repaying your grant with interest if you recover costs/fees on your case.
No need to repay if costs/fees are not recovered.
The cycle begins again!

GRANT DEADLINES

The Impact Fund reviews grant requests four times per year. You may start the process and submit an LOI at any time. Deadlines for our current and upcoming funding cycles are below:

SPRING 2021

LOIs due January 12, 2021
Applications due February 9, 2021
Notifications mid-March

SUMMER 2021

LOIs due April 6, 2021
Applications due May 5, 2021
Notifications mid-June

FALL 2021

LOIs due July 13, 2021
Applications due August 10, 2021
Notifications mid-September

WINTER 2021

LOIs due October 5, 2021
Applications due November 2, 2021
Notifications mid-December

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Thank you for considering Knight Foundation

We seek innovative ideas that advance informed and engaged communities. To apply for funding, please submit a brief letter of inquiry.

The letter of inquiry is one way to apply for funding but not the only way. Applying to our open challenges is a separate process. Learn more about challenges and other funding opportunities.

How to apply for funding

1. Submit an idea

The first step in submitting a funding request is to use our grant portal Fluxx to submit an online letter of inquiry. Click “Apply for Funding” below to be routed to Fluxx. In Fluxx click “Submit a grant request” to complete the letter of inquiry where you will fill out a brief form summarizing your project and explaining why you are the one to carry it out.

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If we are interested in a full proposal, we will contact you with a Fluxx username and password and a link to the proposal form. Materials submitted in the proposal process become the property of Knight Foundation and won’t be returned. They’ll be used as the foundation deems appropriate. We may show them to others at our discretion.

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The proposal review may include program officers, directors, vice presidents, the president and board of trustees. The time frame varies depending on the size and scope of the proposal. Our program staff will contact with you during this process and will notify you of the final decision.

Knight Foundation is under no obligation to fund a proposal. If we choose to have a relationship, the foundation may suggest various forms of partnering, including contracts, grants, loans, program-related investments, or other kinds of investments and partnerships.

Home » FAQs » Are There Any Upfront Fees for Applying to Legal Funding?

How to apply for legal funding

Applying for legal funding with Silver Dollar Financial is quick, simple, and without upfront fees. Once approved, you can get the money you need to start covering your expenses. Debt grows quickly and very easily. If it continues to go unpaid, then your financial health will begin to suffer.

We provide legal funding to personal injury victims so they can reclaim their lives. You do not have to live at the mercy of your financial situation anymore.

The team at Silver Dollar Financial has been helping those who require financial assistance for years. With hundreds of clients satisfied with our services, allow us to help you during your time of need. Call us at (844) 871-0628 today.

Is Applying Free?

Applying is absolutely free, regardless if done online or in person. There are no upfront costs whatsoever. We encourage everyone to apply, regardless if they think their case may be worthy or not. There is no harm and no risk in applying with Silver Dollar Financial.

We operate with transparency as one of our core guiding principles. Other lenders may engage in predatory practices that aim to squeeze as much money out of you as possible. With Silver Dollar Financial, you do not have to worry about a thing. We will never exploit you and will never charge you any hidden fees.

Click to contact the Silver Dollar Financial Team today or Call (844)871-0628

What Do I Need to Apply?

Applying for legal funding is simple. We aim to make the process as streamlined as possible so you can get the money you need quickly. No payment is required to process your application online.

Provide Us with Your Information

We will need you to give us your information, the information of your legal representation, a summary of your case, and how much money you need. You can provide this information to us in-person or through our online application form.

We Review Your Application

Once you submit all the necessary information on your application, sit back and wait while we assess everything. We will review everything that you submitted and may follow up with you or your lawyer if need be.

We do not require a credit check, proof of employment, or other financial documents. The main thing that we care about the most in evaluating your application is the merits of your case.

Notification of Approval

Once you are approved, you can receive up to $100,000 in funding in as little as 24 hours.

You can use your money however you wish. We do not restrict you on what you can do with the funds. After all, it is your money.

Legal Funding Is Non-Recourse

In tandem with no upfront costs, legal funding is also non-recourse. The money you receive is in the form of a loan, but it is not like a traditional loan you would receive from a bank. The loan that you receive is non-recourse, which according to the Internal Revenue Service (IRS), means that you are not liable for it.

In other words, if you lose your lawsuit or negotiations fall through, and you cannot get a settlement, you pay us nothing. Not only is applying free of charge, but you are also protected should you not obtain a settlement at the end of your legal battle.

Click to contact the Silver Dollar Financial Team today or Call (844)871-0628

Borrow Forward Instead of Backwards

When you apply for traditional loans, you run the risk of putting up collateral, going through an invasive credit check, and paying for non-refundable application fees. This process not only takes time, but it takes money for something you may not even qualify for. Spending money for an invasive process that takes time, only for it to possibly amount to nothing in the end, puts you two steps backward.

With Silver Dollar Financial, you are borrowing forward. Think of getting a loan with us as borrowing from yourself. You know you are good for the money as you are simply just getting a cash advance on your settlement. You don’t need to pay upfront fees or wait a long time to get the money you are already going to get at the end of your trial.

Apply Now for Pre-Settlement Funding

How You Can Use Legal Funding

You can apply the money you receive from legal funding to the following areas:

  • Lost wages
  • Rent or mortgage payments
  • Vehicle repairs
  • Living expenses
  • Medical expenses
  • Tuition
  • Pain and suffering

Even if your damage is not listed above, you can use legal funding for anything you need to pay off. These are simply the most common damages that our clients use their funds for.

Silver Dollar Financial Is Here to Help

After an accident, you may find yourself unable to work or with large amounts of medical bills. You should not have to pay for the negligence of others. While you work with your attorney and file a claim, your financial obligations will continue to put pressure on you. This may incentivize you to settle for less so that you can stay afloat above your debts.

There are no upfront fees when applying for legal funding with us. We understand that you are already facing hard times with your bills. The last thing you want is to pay for an application only to get denied.

Our team knows that every dollar counts during these challenging times. With Silver Dollar Financial, you never have to worry about fees of any kind when applying.

For years, our team has helped Georgia residents get the funding they need to get by while they litigate their personal injury claim. We dedicate ourselves to helping our clients recover by allowing them to ease the financial burden they carry.

For quick funding that you can count on, apply online risk-free or call us at (844) 871-0628. We will guide you through the process every step of the way.

Call or text (844)871-0628 or Apply Now for Pre-Settlement Funding

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Free Money from the Government

The federal government does not offer grants or “free money” to individuals to start a business or cover personal expenses, contrary to what you might see online or in the media. Websites or other publications claiming to offer “free money from the government” are often scams. Report them to the Federal Trade Commission.

Government Grants

Learn about federal government grants, who qualifies, and how to get them.

What is a grant from the federal government?

A grant is one of the ways the government funds ideas and projects to provide public services and stimulate the economy. Grants support critical recovery initiatives, innovative research, and many other programs. You can find a list of projects supported by grants in the Catalog of Federal Domestic Assistance (CFDA). You can also learn more about the grant process and types of grants from Grants.gov.

Who can get a grant?

The federal government awards grants to organizations including:

State and local governments

The intent of most grants is to fund projects that will benefit specific parts of the population or the community as a whole. What you might see about grants online or in the media may not be true. The federal government does not offer grants or “free money” to individuals to start a business or cover personal expenses. For personal financial assistance, the government offers federal benefit programs. These programs help individuals and families become financially self-sufficient or lower their expenses.

Search and Apply for Federal Grants

To search or apply for grants, use the federal government’s free, official website, Grants.gov. Commercial sites may charge a fee for grant information or application forms. Grants.gov centralizes information from more than 1,000 government grant programs. It’s designed to help states and organizations find and apply for grants.

“Free” Grants and Grant Scams

If you receive information stating you qualify for a “free grant,” it’s probably a scam. Get information from the Federal Trade Commission (FTC) to help you learn to recognize and avoid grant scams. If you have been a victim of a grant scam, you can file a complaint with the FTC.

Contact your state consumer protection office if you have purchased a book or paid a fee to get grant information and are not satisfied.

Government Loans

Learn about the types of federal loans, how to find them, and how to qualify.

What is a loan from the federal government?

Government loans serve a specific purpose such as paying for education, helping with housing or business needs, or responding to an emergency or crisis.

Loans are different than grants because recipients are required to repay loans, often with interest.

Examples of Government Loans

The federal government offers several types of loans, including:

Search for Government Loans

Use the federal government’s free, official website, GovLoans.gov, rather than commercial sites that may charge a fee for information or application forms.

GovLoans.gov directs you to information on loans for agriculture, business, disaster relief, education, housing, and for veterans.

  • Eligibility – Use the online pre-screening tool.
  • How to apply – Each loan program has its own application process.

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Ask a real person any government-related question for free. They’ll get you the answer or let you know where to find it.