Post-Settlement Funding for Plaintiffs

Resolution of a catastrophic personal injury, class action, mass tort, qui tam, or Federal Employers Liability Act (FELA) case often takes several years. Plaintiffs who are battling these types of lawsuits in order to receive compensation for their damages endure daunting challenges during this time, in the face of physical injury, emotional strain, disability, and/or difficulty meeting financial obligations are common struggles. 

What many plaintiffs don’t realize is that even after they have prevailed either through trial or settlement, they will often need to wait months to receive their compensation. And if the case is resolved via a trial and judgment and the defendant files an appeal, the wait could be even longer. As bills mount, that wait can seem like an eternity. 

Post settlement legal funding, also known as post-settlement funding or cash for settlement, can provide a welcome lifeline to litigants teetering on the brink of financial crisis.

What is post-settlement funding?


Post-settlement funding offers non-recourse financing for plaintiffs. After a plaintiff has prevailed either at trial or through settlement, a settlement funding company will provide immediate cash in exchange for an interest in the plaintiff’s future settlement payments.

No Risk Financing

Post-settlement funding is a form of no-risk financing. Although it’s a no-risk financing, an ethical company will do its due diligence to determine how much can be lent and understand the plaintiff’s settlement details.

One of the major advantages of post-settlement funding vs. pre-settlement funding is that the litigation funding company requires less information. Since the case has already been settled, the underwriting process will not require a complex assessment of the case such as its length or merits. In most situations, the plaintiff can receive post-settlement funding in a matter of days.

Plaintiffs who take advantage of post-settlement financing benefit by shifting the risk of nonpayment to a settlement financing company, such as USClaims. Should the defendant fail to pay, the plaintiff will owe nothing. This is the difference between post-settlement loans and post-settlement funding. 

In other words, the financing company loses its investment if the defendant fails to pay the judgment or settlement. While a lender requires repayment in all cases, typically via monthly payments,  a financing company doesn’t seek repayment from either the client or the client’s attorney. The funding company will only be paid when the verdict or settlement is paid, with payment coming directly from the proceeds of the case. In the meantime, the client is free to spend the settlement funding on whatever they wish, from mortgage payments to college tuition to a new business venture.

Post Settlement Process

USClaims makes the post-settlement process easy with simple to understand language and quick turnarounds from the underwriting department. Discover below how the process of post-settlement funding works.

  1. Fill out the application
    1. Have the attorney information handy, and know how much the total award was. This is crucial to understand the maximum payout for post-settlement funding.
  2. Wait for Approval
    1. Once the original application is filled, a helpful representative will contact the plaintiff within two business days to gather any additional information such as case number or to request additional information. 
  3. Get The Payout
    1. How fast a post-settlement fund is paid is dependent on how quickly the necessary information is provided. A plaintiff can typically expect the funding to be paid out within 24 business day hours..

The process from start to finish should take no longer than five business days, so long as the plaintiff has provided all required documents and a complete and accurate application. It behooves the plaintiff to have as much information as possible especially if they are in need of cash to pay urgent bills like medical, mortgages, car loans, or utility bills.

Types of Post-Settlement Cases


Post-settlement funding or cash advance for settlement is available to approved applicants in a variety of cases:

  • Personal injury, including auto accidents, premises liability, slip and fall, medical malpractice and others
  • Catastrophic personal injury
  • Class action
  • Mass tort
  • Qui tam (whistleblower)
  • Federal Employers Liability Act (FELA)
  • Prevailing plaintiffs whose verdicts have been appealed

Benefits of USClaims Post-Settlement Funding

Litigants should also be aware that post settlement funding is typically less costly than pre-settlement funding. A verdict or settlement has already been reached, thereby reducing the element of risk to the funding company.

As one of the top post settlement funding companies nationwide, USClaims can help provide you with the financial support you need through post settlement funding or cash for settlement. For more information or to apply for post settlement funding support, contact us today.

In addition, USClaims also offers pre-settlement funding. If a case is qualified for pre-settlement funding then we would purchase a portion of the proceeds of the anticipated court judgment or settlement for some cash now. USClaims only gets paid if a case is won or has reached a settlement! Apply now or call us today at 1-877-USCLAIMS to learn more.

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