Frequently asked questions
Are there application fees?
There is typically no fee to apply. You are not obligated to accept an offer after review.
How do I start?
Apply at /apply or call 888-497-5669. Have attorney contact details and a brief case summary ready.
Can I get funding more than once?
Sometimes additional advances are possible as cases develop and damages become clearer. Prior funding must be disclosed because it affects available net proceeds.
Who communicates with my lawyer?
With your permission, Instant Advance can speak directly with your attorney’s office to verify facts and finalize paperwork.
Is pre-settlement funding a loan?
In most jurisdictions, funding from Instant Advance is structured as a non-recourse advance tied to claim proceeds rather than a traditional installment loan. That usually means no monthly payments while the case is pending, and no repayment if there is no recovery. Some states regulate products differently, so ask about your location.
Do you check credit scores?
Approval focus is generally on case facts — liability, damages, and collectibility — not personal credit. Instant Advance may still verify identity and basic application information.
How fast can I get funded?
Many approved applicants receive funds within 24–48 hours after agreements are signed and any required verifications clear. Complex files can take longer.
Will funding hurt my lawsuit?
Funding itself does not decide case value. By easing cash pressure, it can help you avoid settling prematurely. Always involve your attorney so funding fits overall case strategy.
What if I lose my case?
In typical non-recourse arrangements with Instant Advance, if there is no recovery you generally do not repay the advance. Review your agreement for exact terms.
How much funding can I receive?
Amounts depend on case strength, documented damages, coverage limits, liens, attorney fees, and prior advances. Preliminary calculators estimate gross ranges; actual offers consider net proceeds.
Do I need an attorney?
Most funded cases involve counsel. If you have a lawyer, Instant Advance usually coordinates with their office. If you do not yet have counsel, discuss next steps when you call 888-497-5669.
What case types do you consider?
Instant Advance reviews many personal injury and related civil matters. Browse our cases list for examples. Unusual or catastrophic claims may need specialized underwriting.
If your injury is catastrophic or unusually complex, expect a deeper review. Those matters may require specialist underwriting rather than a quick preliminary screen.
Funding from Instant Advance is typically structured as a non-recourse advance tied to the potential proceeds of your claim. In most situations, if there is no recovery, you do not repay the advance.
If you already received funding from another company, disclose that early. Prior advances affect available net proceeds and must be accounted for in any new offer from Instant Advance.
Communication preferences vary. Some clients want frequent updates; others prefer attorney-led coordination. Tell Instant Advance how you want to be contacted.
Your attorney remains your advocate for case strategy and settlement decisions. Instant Advance coordinates funding logistics so counsel can keep negotiating from a stronger position.
After approval, Instant Advance prepares agreement language for review. Read carefully, ask questions, and only sign when you understand fees, payoffs, and repayment conditions.
Market conditions and carrier behavior change over time. Instant Advance stays attentive to practical settlement realities rather than relying on outdated assumptions.
Applicants often use funds for rent, transportation to medical appointments, utilities, childcare, or other essential costs that continue while litigation moves slowly.
Instant Advance does not replace legal advice. Always discuss funding with your lawyer so they understand your goals and can communicate case facts accurately during underwriting.
Documented medical treatment, consistent care, and clear incident records usually strengthen a funding review. Gaps in treatment can raise questions that slow approval.
If you already received funding from another company, disclose that early. Prior advances affect available net proceeds and must be accounted for in any new offer from Instant Advance.
After approval, Instant Advance prepares agreement language for review. Read carefully, ask questions, and only sign when you understand fees, payoffs, and repayment conditions.
Speed matters, but accuracy matters more. Instant Advance balances prompt responses with careful verification so advances are grounded in real case economics.
Plaintiffs sometimes worry that seeking funding signals weakness. In practice, stable finances can reduce pressure to accept a low early offer simply to pay bills.
Instant Advance serves a broad mix of personal injury and related civil claims. Case type alone does not guarantee approval; facts and coverage still drive decisions.
Keep copies of demand letters, medical bills, lien notices, and insurance correspondence. Organized documents help Instant Advance complete reviews faster.
If your injury is catastrophic or unusually complex, expect a deeper review. Those matters may require specialist underwriting rather than a quick preliminary screen.
Communication preferences vary. Some clients want frequent updates; others prefer attorney-led coordination. Tell Instant Advance how you want to be contacted.
Market conditions and carrier behavior change over time. Instant Advance stays attentive to practical settlement realities rather than relying on outdated assumptions.
Whether you are early in treatment or closer to settlement talks, timing can influence funding size. Earlier cases may receive smaller advances until damages are clearer.
Instant Advance evaluates each file with attention to liability clarity, documented damages, and the practical collectibility of insurance or other coverage. That underwriting discipline protects both applicants and the sustainability of funding offers.
When you speak with Instant Advance, you can expect plain-language explanations of timelines, documents needed, and how repayment works if your case resolves successfully. Transparency is part of responsible plaintiff funding.
Call Instant Advance at 888-497-5669 if you have questions before you apply. Many plaintiffs prefer a short phone conversation to confirm fit before submitting case details online.
Funding from Instant Advance is typically structured as a non-recourse advance tied to the potential proceeds of your claim. In most situations, if there is no recovery, you do not repay the advance.
Your attorney remains your advocate for case strategy and settlement decisions. Instant Advance coordinates funding logistics so counsel can keep negotiating from a stronger position.
Applicants often use funds for rent, transportation to medical appointments, utilities, childcare, or other essential costs that continue while litigation moves slowly.
Every jurisdiction has nuances. Instant Advance considers state rules, damage caps where applicable, and comparative negligence concepts that can affect net recovery estimates.
Start an application at /apply or call 888-497-5669. There is generally no fee to apply, and an application does not obligate you to accept an offer.
Instant Advance does not replace legal advice. Always discuss funding with your lawyer so they understand your goals and can communicate case facts accurately during underwriting.
Documented medical treatment, consistent care, and clear incident records usually strengthen a funding review. Gaps in treatment can raise questions that slow approval.
If you already received funding from another company, disclose that early. Prior advances affect available net proceeds and must be accounted for in any new offer from Instant Advance.
After approval, Instant Advance prepares agreement language for review. Read carefully, ask questions, and only sign when you understand fees, payoffs, and repayment conditions.
Speed matters, but accuracy matters more. Instant Advance balances prompt responses with careful verification so advances are grounded in real case economics.
Plaintiffs sometimes worry that seeking funding signals weakness. In practice, stable finances can reduce pressure to accept a low early offer simply to pay bills.
Instant Advance serves a broad mix of personal injury and related civil claims. Case type alone does not guarantee approval; facts and coverage still drive decisions.
Keep copies of demand letters, medical bills, lien notices, and insurance correspondence. Organized documents help Instant Advance complete reviews faster.
If your injury is catastrophic or unusually complex, expect a deeper review. Those matters may require specialist underwriting rather than a quick preliminary screen.
Communication preferences vary. Some clients want frequent updates; others prefer attorney-led coordination. Tell Instant Advance how you want to be contacted.
Market conditions and carrier behavior change over time. Instant Advance stays attentive to practical settlement realities rather than relying on outdated assumptions.
Whether you are early in treatment or closer to settlement talks, timing can influence funding size. Earlier cases may receive smaller advances until damages are clearer.
Instant Advance evaluates each file with attention to liability clarity, documented damages, and the practical collectibility of insurance or other coverage. That underwriting discipline protects both applicants and the sustainability of funding offers.