Pre-settlement funding · 20 states + DC
Your case takes time,
your rent does not wait.
What a $2,500 advance costs
$3,325
repaid at settlement if your case resolves inside the first six months — $625 in charges plus a one-time $200 in fees.
Half of our advances are repaid within 171 days. The full schedule, including what it costs if yours takes longer, is published in full.
The whole price
Two rates. You already know which one is yours.
Most funding companies advertise a rate “starting at” some number you will probably never get. It is a floor reserved for the strongest cases, and most applicants find out what they actually qualify for at signing.
We publish both of ours. Which one applies to you is settled by a single fact you can state yourself — has your case settled or not — and by nothing else. Not how strong we think your claim is. Not how much you are asking for. Not anything we assess about you.
If your case has not settled yet
25%every 6 months
The advance is repaid out of a settlement that does not exist yet. If it never does, you owe nothing at all — that risk is the whole reason this rate is higher than the other one.
Reaches the 2× cap after month 18 and stops.
If it has already settled
15%every 6 months
The money is coming and the only question is when the check clears lien negotiation and the trust account. Less uncertainty, lower rate — and half of these advances are repaid within 66 days.
Reaches the 2× cap after month 36 and stops.
Everything else is identical across the two: the same 2× cap, the same two fees, the same charges, never compounded, and the same promise that you owe nothing if there is no recovery. A rate that depends only on a fact you already know is a rate nobody can haggle you out of.
2×
Hard cap on both rates. Once charges reach it, the amount you repay stops and never moves again.
$500
Minimum advance. Take only what you need.
| Advance | Fees | By 6 mo | By 12 mo | By 18 mo | 24 mo + |
|---|---|---|---|---|---|
| $500 | $200 | $825 | $950 | $1,075 | $1,200 |
| $1,000 | $200 | $1,450 | $1,700 | $1,950 | $2,200 |
| $2,500 | $200 | $3,325 | $3,950 | $4,575 | $5,200 |
| $5,000 | $200 | $6,450 | $7,700 | $8,950 | $10,200 |
| $10,000 | $200 | $12,700 | $15,200 | $17,700 | $20,200 |
| $25,000 | $200 | $31,450 | $37,700 | $43,950 | $50,200 |
What you actually need to know
Three things that worry people most
No credit check, no job required
Two fees, and that’s the list
If you lose, you owe nothing
Why the number behaves the way it does
Six things about the price, stated plainly
No compounding
Every charge is worked out on what we advanced you — never on a balance that has been growing on itself.
Six-month steps, not monthly
The number moves twice a year. Settle in month 4 and you pay what you would have paid in month 1.
A hard 2× cap
Once charges reach 100% of the advance — after month 18 on a pre-settlement advance — the amount you repay on it stops growing. It does not matter how long the case runs after that.
A person reviews your file
We are small, and that works in your favor. Settles within 30 days of a new period starting? Have your attorney ask, and we hold the prior rate. It is not automatic — their office has to ask before the payoff — but when they ask, we do it.
A rate you can work out yourself
25% per six-month period while your case is open, 15% once it has settled. Which one you get depends on a fact you already know, not on how strong we think your claim is. Whether it is worth $20,000 or $2 million, the number is the same.
Two fees, and that is the list
A $100 application fee on your first advance and $100 processing on each one. That is every fee we charge — no closing fee, no filing fee, no servicing fee, nothing that appears later.
Roughly half of our pre-settlement advances are still outstanding after the first six-month period, which means about half of our advances cost 50% or more rather than 25%. We publish that because a schedule you were not shown is how people end up feeling misled. Here is exactly how we measure it.
Find out in two minutes whether you qualify.
Four questions to start: your state, your case type, whether you have an attorney, and a phone number. Nothing else. There is no cost to apply and no cost if we say no.
What we fund
Cases we advance against
Same rate for every case type. We do not price by how strong we think your claim is.
- Motor vehicleCar accidentCash advances on car accident claims while your case is still open — from $500, non-recourse, with no credit check.
- WorkplaceWorkers' compensationAdvances on workers' compensation claims — the category most funders under-serve and most workers need.
- PremisesSlip and fallFunding on slip, trip and fall claims against property owners and businesses.
- Motor vehicleRideshare accidentUber and Lyft claims, where which insurance policy applies is the first fight.
- Motor vehicleTruck accidentPre-settlement funding on commercial truck and 18-wheeler claims, where the injuries and the timelines are both longer.
- MedicalMedical malpracticeFunding on medical negligence claims, the longest-running category we fund.
21 jurisdictions
Where we fund
We fund in 20 states and the District of Columbia. We do not operate anywhere we could not do it on exactly these terms — a narrower map buys an unqualified promise, and that is a fair trade.
Answers
The questions people ask first
How much does pre-settlement funding cost?
Get Lit Money charges 25% of the amount advanced for every six-month period the case stays open, calculated on the original advance and never compounded, plus a one-time $100 application fee and a $100 processing fee. A $2,500 advance repaid inside the first six months costs $825 in total — $625 in charges and $200 in fees.
Read the answerWhat fees do you charge?
Two, and that is the complete list: a $100 application fee charged on your first advance only, and a $100 processing fee charged on each advance. Get Lit Money charges no closing fee, no document filing fee, no underwriting fee, no servicing fee, no wire fee and no broker fee. The only thing that grows with time is the published charge per six-month period, which the agreement calls a renewal fee.
Read the answerWhat does non-recourse mean?
Non-recourse means the advance is repaid only out of a recovery in your case. If you do not recover anything, you owe nothing — Get Lit Money cannot pursue you, your wages, your bank account, your home or your credit for the money. The one exception is fraud or a breach of the agreement on your side.
Read the answerDo you check my credit?
No. Get Lit Money does not run a credit check, and applying has no effect on your credit score. The decision is based on the strength of your case, not on your credit history, income or employment.
Read the answerHow fast do I get the money?
Most people are funded the same day they sign. Once you are approved and have signed the agreement, we send your funds by direct deposit. With many larger banks the money shows up right away; with others it can take a business day or two.
Read the answerWhat if I lose my case?
You owe nothing. Every Get Lit Money advance is non-recourse, which means it is repaid only from a recovery — if your case does not produce one, the advance, the charges and the fees are all canceled and you keep the money. The one exception is fraud or a breach of the agreement on your side.
Read the answerFor attorneys
Funding your client can understand without calling you.
Two published rates, set by case status and nothing else. Charges are calculated on the original advance, never compounded, and step every six months rather than monthly. A hard 2× cap. A projected repayment schedule in the contract itself, and we talk to your client only about their own application and funding, never about the case.