Lawsuit Loans by State: Where We Fund in 41 States
Before anything else, lawsuit loans by state turn on one fact: where your case was filed. If that state is on our Yes list and you have a lawyer, you can apply.
Advances begin at $500 and go to $250,000+. Because they’re non-recourse, losing in court wipes out the balance.
Use the Apply button, or reach us on 888-335-3537. Every step after that goes through your lawyer.
Do I qualify?
Yes, when a court in a state we serve has your case.
- A lawyer represents you, paid by a contingency fee (your lawyer is paid only if you win).
- Your lawsuit is filed in a funded state, or a settlement agreement is in progress. Bankruptcy trust claims (a claim paid from a fund set up in a bankruptcy) also count.
- We take claims such as a mass tort (many people hurt by the same product or exposure), institutional abuse, a job or civil rights case, or a business fight.
- Whoever you sued has money to pay: a company, an employer or a public body.
People call it a lawsuit loan. It’s a non-recourse advance, not a loan: if you lose, you owe nothing.
Not sure which state your case is in? The court name on your papers tells you, and so can your lawyer. Credit scores and jobs don’t come into it.
How it works
1. Check the table
Look up your filing state in the table below. If its row says Yes, you can apply.
2. Send it in
Use our application; questions can come first by phone. We then go over the claim and any lien (money that must be paid back from the settlement first) with your lawyer.
3. Read the terms
We can’t quote a price here: it depends on the amount and how long the case runs. Your written offer shows the exact total before you sign.
4. Get the money
After you sign, payment goes to you by wire or check. Your lawyer pays us from the settlement before passing the rest to you.
What Decides Whether We Can Fund You
Why does the filing state matter?
We look at the state where your lawsuit was first filed. Where you live doesn’t change that.
If a case first filed in a funded state later moves to an MDL (similar federal cases grouped before one judge) somewhere else, we can still fund it. The first court decides, not the MDL court.
Which claims don’t depend on my state?
All Camp Lejeune claims go to a single federal court in eastern North Carolina. Boy Scouts trust claims are handled through the Scouts’ bankruptcy case in Delaware. We can fund both from any state.
What changes from state to state?
About half the states have no funding law, so your contract sets the terms. Others have their own acts, with cancel windows, limits on charges and a registry for funders. A few treat funding as a loan.
Where state law says funders must register or be licensed, a registered or licensed funder writes your contract.
Which states passed new laws?
California, Georgia, Kansas, New York, North Carolina and Ohio passed new funding laws for 2026. Arizona’s 2025 law covers claims filed from 2026, and Utah, Montana and Tennessee updated theirs.
Most new rules cover contracts signed after each law starts. An advance you already have keeps its terms.
What can stop or shrink an advance?
A case that isn’t filed yet can’t be funded. High liens, a defendant short on cash or money already advanced by another company can lower the amount.
We fund five main kinds of case: mass torts, abuse, job claims, civil rights and business disputes. Each one has a page under cases we fund.
Lawsuit Loans by State: The Full Table
This table sorts lawsuit loans by state. Look for your filing state. A linked name opens that state’s page, which cites the law behind its row.
These are limits set by state law, not our prices. We don’t quote rates; your written offer shows your total.
| State | We fund? | Funding law | Cap on charges | Cancel window | Registration or license |
|---|---|---|---|---|---|
| Alabama | Yes | No funding law | None set | None in law | None |
| Alaska | Yes | No funding law | None set | None in law | None |
| Arizona | Yes | 2025 act | None | None | None |
| Arkansas | No. Its law counts the funder’s whole return as interest. | Lawsuit lending law | Usury limit | None in law | None |
| California | Yes | 2025 act, in force 2026 | No rate cap; charges stop after 36 months | 5 business days | None |
| Colorado | No. Its top court ruled funding is a consumer loan. | Consumer credit code | Consumer loan limits | None | Lender license |
| Connecticut | No. The state treats funding as a small loan. | Small loan law | Small loan limits | None | Small loan license |
| Delaware | Yes | No funding law | None set | None in law | None |
| Florida | Yes | No funding law | None set | None in law | None |
| Georgia | Yes | 2025 act, in force 2026 | No rate cap; limit on the share of your recovery | 5 business days | State banking department |
| Hawaii | Yes | No funding law | None set | None in law | None |
| Idaho | Yes | No funding law | None set | None in law | None |
| Illinois | No. Not taking applications at present. | 2022 act | Set by the act | 14 business days | State license |
| Indiana | Yes | 2016 act | 36% a year, plus capped extra charges | 5 business days | State license |
| Iowa | Yes | No funding law | None set | None in law | None |
| Kansas | Yes | 2026 act | None | 10 business days | Secretary of State |
| Kentucky | No. Courts have refused to enforce these contracts. | No funding law | Usury law applied by courts | None | None |
| Louisiana | No. Not taking applications at present. | 2024 disclosure law | None | None | None |
| Maine | Yes | 2007 act | No rate cap; no fees after 42 months | 5 business days | State consumer credit bureau |
| Maryland | Yes | Treated as a consumer loan | Loan-law limits | None | Consumer lender license |
| Massachusetts | Yes | No funding law | None set | None in law | None |
| Michigan | Yes | No funding law | None set | None in law | None |
| Minnesota | Yes | No funding law | None set | None in law | None |
| Mississippi | Yes | No consumer funding law | None | None | None |
| Missouri | No. Not taking applications at present. | 2023 act | No rate cap; 48-month limit | 10 business days | State license and bond |
| Montana | Yes | 2023 act | Interest limit, and at most 25% of the recovery | 5 business days | Secretary of State |
| Nebraska | Yes | 2010 act | No rate cap; no fees after 36 months | 5 business days | Secretary of State and bond |
| Nevada | No. Not taking applications at present. | 2019 act | Set by the act | 5 business days | State license |
| New Hampshire | Yes | No consumer funding law | None | None | None |
| New Jersey | Yes | No funding law | None set | None in law | None |
| New Mexico | Yes | No funding law | None set | None in law | None |
| New York | Yes | 2026 act | At most 25% of the case’s gross proceeds | 10 business days | State registration from 2027 |
| North Carolina | Yes | 2026 act on case-cost funding | None | None | None |
| North Dakota | Yes | No funding law | None set | None in law | None |
| Ohio | Yes | 2026 act | No rate cap; one-time fee up to 7% | 10 business days | Attorney General from 2027 |
| Oklahoma | Yes | 2013 act | None | 5 business days | State license and bond |
| Oregon | Yes | No funding law | None set | None in law | None |
| Pennsylvania | Yes | No funding law | None set | None in law | None |
| Rhode Island | Yes | No funding law | None set | None in law | None |
| South Carolina | Yes | Treated as a consumer loan | Loan-law limits | None | Notice filing with the state |
| South Dakota | Yes | No funding law | None set | None in law | None |
| Tennessee | Yes | 2014 act | 10% a year, plus capped charges; 3-year limit | 5 business days | Secretary of State and bond |
| Texas | Yes | No funding law | None set | None in law | None |
| Utah | Yes | 2020 act | No rate cap; no share-of-recovery pricing | 10 business days | State consumer protection office |
| Vermont | Yes | 2016 act | None | 5 business days | State license |
| Virginia | Yes | No funding law | None set | None in law | None |
| Washington | Yes | No act; exempt from loan law | None | None | None |
| West Virginia | No. Not taking applications at present. | 2019 act | Set by the act | 5 business days | Secretary of State and bond |
| Wisconsin | Yes | Court disclosure rule only | None | None | None |
| Wyoming | Yes | No funding law | None set | None in law | None |
Laws were checked between October 9 and November 3, 2026. The nine No rows are states where we can’t take a case at present.
Questions About Funding by State
Is lawsuit funding legal where my case is filed?
In every state on our Yes list, it is. About half the states have no funding law, so contract law governs. Others have their own acts with cancel rights and registration.
What is a cancel window?
It’s the number of business days you have to give the money back and walk away at no cost. Where the table says None, state law sets no window, though your contract may.
Does my home state matter?
No. Only the first filing state counts. If you moved, or the case joined an MDL elsewhere, the first filing state still decides.
Does a new state law change my current advance?
Usually not. Most new acts cover contracts signed after they take effect, so your existing terms stay. Your lawyer can confirm.
Is a non-recourse advance really a loan?
No. You’d owe a bank loan back however things turned out. This advance comes back to us only out of your case, so a loss means you pay us nothing.
Lawsuit Loans by State, Decided by Where You Filed
Lawsuit loans by state come down to the table above. If your filing state says Yes, apply online or call. We work through your lawyer, and the advance is non-recourse from the first dollar.
We describe each state’s law in broad strokes here, not as legal advice for you.
Sources
These back the reasons given for four of the states we don’t fund. Each linked state page cites the law for its own row.
- Oasis Legal Finance v. Coffman (2015): funding as a consumer loan, Colorado Supreme Court.
- Boling v. Prospect Funding (2019): contracts not enforced under Kentucky law, U.S. Court of Appeals for the Sixth Circuit, via CourtListener.
- Arkansas Code 4-57-109, consumer lawsuit lending, Arkansas Code, via FindLaw.
- Connecticut General Statutes 36a-555, small loan licensing, Connecticut General Statutes, via FindLaw.