Johnny Cavalli has spent 25 years in litigation funding and founded America Lawsuit Loans to give injured plaintiffs a fair alternative to lowball settlement offers. He reviews funding requests personally and writes every article on this blog himself.
About Johnny Cavalli
I started funding lawsuits before most people knew what pre-settlement funding was.
That was 25 years ago. Back then, plaintiffs who got hurt in a car accident or on the job had two real choices: settle for whatever the insurance company offered first, or wait years while their bills piled up. I watched too many people take bad settlements because they couldn’t pay rent.
So I got into this business to give them a third option.
Why I Founded America Lawsuit Loans
After spending years inside the funding industry, I kept running into the same problem. Plaintiffs would call me confused about rates, scared about repayment, and frustrated that nobody had explained the contract to them in plain English.
I founded America Lawsuit Loans to fix that.
Our model is simple. We advance money to plaintiffs with strong cases. If they win or settle, we get paid back from the proceeds. If they lose, they owe us nothing. No hidden fees, no monthly payments, no credit checks.
What 25 Years Has Taught Me
Most of what I know about this business, I learned by listening. To plaintiffs. To attorneys. To insurance adjusters. To opposing counsel.
A few things have stuck with me.
The cases that look weakest on paper often settle for the most. Insurance companies don’t pay based on legal theory. They pay based on jury risk, and jury risk depends on facts that rarely show up in a complaint.
Plaintiffs who can afford to wait, win. The biggest factor in case value isn’t the injury or the liability. It’s whether the plaintiff has the financial ability to refuse a lowball offer. That’s why funding matters.
Most funders make this too complicated. Their contracts run 30 pages of legalese designed to confuse you. Ours fits on a few pages and we walk you through every line.
My Approach
I review every funding request personally above a certain threshold. When you call our office and someone says “let me check with Johnny,” they mean it. I’m here, and I read the file.
I don’t believe in pressuring anyone to take funding they don’t need. If your case is going to settle in 60 days, you probably shouldn’t borrow against it, and I’ll tell you that directly. We make money when our funding actually helps someone, not when we squeeze a fee out of a case that didn’t need us.
Why I Write This Blog Myself
Every article on this site I wrote myself. I don’t outsource the blog to an agency, hand it to a freelancer who has never seen a case file, or run a keyword through an AI tool and publish what comes out. If a post has my name on it, I sat down and typed it.
When I write about case timing, I’m pulling from cases I funded last month. When I explain why a soft-tissue injury claim can outvalue a broken-bone claim, I’ve seen it happen on my desk. The questions I tell you to ask a funder before you sign? Those are questions I wish my own clients had asked the funders who burned them before they came to us.
Plaintiffs and their attorneys deserve information from someone who has actually done the work, not from someone who Googled “how does pre-settlement funding work” and rephrased the first few results.
If you read something here that helps you, that’s the point. If you read something you disagree with, my email is at the bottom of every post.
Cases I Work With
Over the years I’ve funded plaintiffs in motor vehicle accidents, slip and fall claims, premises liability, medical malpractice, product liability, workers’ compensation third-party claims, civil rights actions, and wrongful termination suits. The case types change but the principle stays the same: if you have a real claim and a real attorney, you shouldn’t have to lose it because you ran out of money.
Outside the Office
When I’m not reviewing case files, I spend time with my family and do a fair amount of speaking with attorney at CLE events around the country. If you’ve sat through one of my presentations on settlement timing, you know I have opinions.
Get in Touch
You can reach me directly through the contact us page. I read every message that comes in, even when my team handles the response. If you’re a plaintiff with questions about your case, or an attorney wanting to understand how funding fits into your practice, I’d rather hear from you than not.
