Your financial lifeline: ProLegal Pre-Settlement Funding

Most clients receive their pre-settlement advance within 24 hours.

In many cases, ProLegal can approve and fund your advance in as little as a few hours, depending on how quickly we can connect with your attorney for the necessary case information.

Typical timeline

• Application submitted: Minutes
  
  
• Attorney communication: Varies based on how quickly we receive case details
  
  
• Approval decision: Often within the same day
  
  
• Funding sent: Same day electronic transfer once approved

What can speed up your funding

• Your attorney responding promptly to our request for case information
  
  
• Providing accurate contact details for your law firm
  
  
• Being available for any quick follow-up questions

There is nothing you need to pay or complete after applying. Once your attorney provides case documents, we handle the rest.

Most clients are approved the same day they apply, often within just a few hours.

ProLegal’s process is designed to be fast, efficient, and attorney-friendly — allowing us to move quickly once we have the information we need.

Approval time depends mainly on how quickly we can connect with your attorney and receive the necessary case details.

Typical Approval Timeline

1. Application Submitted

Takes just a few minutes. We collect your basic information, attorney details, and a valid ID.

2. Attorney Contact

We reach out to your attorney right away.

Most approval delays are simply due to the attorney’s availability to provide documents or confirm representation.

3. Case Review

Once we receive your case information, our review is fast — typically within minutes to a few hours.

4. Approval Decision

In most cases, we provide an approval the very same day.

What Can Speed Up Your Approval

• Letting your attorney know you’re applying
  
  
• Providing accurate attorney contact information
  
  
• Making sure we have the correct phone number and email for your law firm
  
  
• Responding quickly to any simple verification questions

A quick response from you to your attorney's office often speeds up the process dramatically.

Our Commitment to Fast, Ethical Funding

We work hard to deliver the fastest turnaround times in the industry while still evaluating your case responsibly.
Our review process prioritizes:

• Accuracy
  
  
• Attorney cooperation
  
  
• Ethical decision-making
  
  
• Protecting your settlement

Once approved, funding is typically sent the same day, often within hours.

No — we do not require any credit checks for pre-settlement funding.

Pre-settlement advances are based entirely on the strength of your personal injury case, not your credit history, income, or employment status. Because repayment comes from the future settlement of the case, your credit score plays no role in eligibility.

Why credit doesn’t matter

• Your attorney provides case details that help us evaluate the claim.
  
  
• Funding is non-recourse, meaning you owe nothing if your case does not settle in your favor.
  
  
• Since repayment is tied to the case outcome rather than personal finances, traditional credit checks are unnecessary.

What we do review instead

To approve funding, we work directly with your attorney to understand:

• Liability and facts of the accident
  
  
• Treatment status and injuries
  
  
• Expected settlement value
  
  
• Insurance policy information

Your credit score is never pulled or impacted.

If you lose your case, you owe nothing.

ProLegal provides non-recourse pre-settlement advances, which means repayment is 100% dependent on the outcome of your case. If your case does not settle or there is no recovery, you do not pay the advance back—ever.

What this means for you

• No risk of owing money if your case isn’t successful
  
  
• No personal liability
  
  
• You keep the funds even if the case outcome is zero

Why this matters

Our advances are designed to support you during a difficult time without adding financial pressure. Because repayment only happens from a successful settlement, your personal finances are never at risk.

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Yes — you can still apply even if you already have an advance with another funding company.

Having an existing advance does not prevent you from receiving additional funding. When you apply, ProLegal works with your attorney to review the current status of your case, any outstanding advances, and whether the settlement value supports additional funding.

How it works when you already have an advance

1. We verify your existing advance
   Your attorney provides the details of any advances already taken out, including the current payoff amount.
   
   
2. We evaluate your case value
   We look at liability, medical treatment, policy limits, and expected settlement value to determine whether more funding is appropriate.
   
   
3. We determine if your case can safely support additional funding
   This protects you from being overfunded and ensures you still receive a meaningful portion of your settlement.

If everything aligns, you may be approved for an additional advance through ProLegal.

About Buyouts: How They Work

In the pre-settlement funding industry, ethical funders follow a standard practice when a client with an existing advance requests new funding:

The existing funder must be bought out.

This means ProLegal may pay off your previous funder as part of the new funding process, so that your case has only one active lien moving forward.

Why buyouts are required

• Ensures clear lien priority and prevents disputes at settlement
  
  
• Protects you from being overcharged by multiple funding companies
  
  
• Ensures your attorney can manage one payoff instead of several
  
  
• Maintains transparency and accuracy for all parties involved

How buyouts work

• We request a payoff letter from your existing funder
  
  
• ProLegal issues payment directly to the other funder
  
  
• The remaining approved amount (after the buyout) is sent to you
  
  
• Your case then has one consolidated lien with ProLegal
  
  
• You still owe nothing upfront and make no monthly payments

Example

If you are approved for $3,000 and you owe another company $1,200, ProLegal would:

• Pay $1,200 to the previous funder (buyout)
  
  
• Disburse the remaining $1,800 to you (minus any origination costs)
  
  
• Your lien moving forward is now with ProLegal only

Our Ethical Commitment to You

ProLegal will never fund more than your case can safely support.

We work closely with your attorney to ensure that:

• You are never overfunded
  
  
• You always retain a fair portion of your settlement
  
  
• Every advance — including buyouts — is structured in your best interest

If additional funding is not beneficial or could harm your final recovery, we will not move forward. Your financial well-being always comes first.