Premises Liability Lawsuit Funding
Is Premises Liability Funding a Loan?
Not in the way a bank means it. A traditional loan is repaid no matter what, with monthly payments and interest that grows over time. Premises liability funding is non-recourse, which means repayment comes only from your settlement. There are no monthly payments, no interest-bearing balance hanging over you, and nothing to repay if you do not win. Your lawsuit is not collateral and your home is never at risk. We look at the strength of your case, not your credit or income.
You will see it called a premises liability lawsuit loan, premises liability settlement funding, or a lawsuit cash advance. The words vary. The structure does not. You are selling a small portion of a settlement you have not received yet, and the funder is paid back only if there is one. Here is the practical difference:
| Feature | Pre-Settlement Funding | Traditional Loan |
|---|---|---|
| Credit check required | No | Yes |
| Monthly payments | None | Required |
| Repayment if you lose | $0 | Full balance still owed |
| Based on | Case strength | Credit and income |
| Risk to personal assets | None | Yes |
For the full mechanics, read how pre-settlement funding works before you apply.
What You Have to Prove, and Why It Slows the Case
Premises liability cases are harder to prove than most people expect, and that is exactly why they drag on and why funding helps. It is not enough that you were hurt on someone’s property. Your attorney has to establish four things, and the property owner’s insurer will fight each one.
1. Duty of care
The owner owed you a duty to keep the property reasonably safe. How much is owed depends on your status: a customer or guest (an invitee) is owed the most, a social visitor (a licensee) somewhat less, and a trespasser the least.
2. A dangerous condition
There was an actual hazard, such as a wet floor, broken stair, icy walkway, exposed wiring, or unsafe security, that a reasonable owner would have fixed or warned about.
3. Notice
The owner knew, or should have known, about the hazard and had time to fix it. This is the element insurers fight hardest, and proving it often takes maintenance records, video, and witnesses, which is what stretches the case out.
4. Causation and damages
The hazard actually caused your injury, and you have real damages, such as medical bills, lost wages, and pain and suffering. Strong, well-documented injuries make the best funding candidates.
Because the notice element is so contested, property insurers often stall, hoping the bills pile up and you accept a low offer. Pre-settlement funding takes that pressure off so your attorney can build the proof and hold out for full value.
Premises Liability Cases We Fund
If you were injured because a property owner failed to keep their premises safe, your case may qualify. The most common premises liability claims we fund are below.
Slip & Fall Accidents
Falls caused by wet floors, icy sidewalks, uneven surfaces, broken stairs, or poor lighting. The most common premises claim, and often the fastest to document.
Negligent Security
Assault or attack made possible by inadequate security, such as a dark parking lot, broken locks, or no guards where they were clearly needed. These cases can carry high value.
Swimming Pool Accidents
Drownings and injuries at poorly maintained or unsecured pools, including missing fences, broken drains, or no warning signs where the owner had a duty to protect swimmers.
Dog Bites & Animal Attacks
Attacks by an owner’s animal on their property. When a dangerous dog injures a visitor, the property or pet owner can be liable for the harm.
Building Code Violations
Injuries from fire, flooding, structural failure, or other harm traced to a code violation the owner ignored. A documented violation often strengthens the negligence claim.
Elevator & Escalator Injuries
Injuries from broken or poorly maintained elevators and escalators, where the building owner or maintenance company failed to keep them safe.
We also fund amusement park ride accidents and other premises claims. Premises liability is one type of personal injury case we fund. See the full list of cases we fund for everything else.
Who Qualifies for Premises Liability Funding?
- You have a pending premises liability claim for an injury suffered on someone else’s poorly maintained property.
- An attorney is representing you on a contingency-fee basis and will coordinate the transaction with us.
- There is a solvent property owner or insurance policy to recover from.
You do not need good credit, proof of income, a co-signer, or money for an application fee. We fund based on the strength of your case, not your finances. Severe injuries with high medical bills, lost wages, and clear evidence of negligence make the strongest candidates, but apply even if you are not sure, because the review and application are free.
How Much Can You Get, and How Fast?
Most premises liability advances run from $500 to $100,000, with more available for severe cases such as negligent-security assaults or catastrophic injuries. The total funded amount is usually kept at or below 10% to 20% of your expected net settlement after attorney fees. The stronger your case and the more serious your documented injuries, the larger the advance. You do not have to take the maximum, and a smaller draw now keeps your total fees lower.
Approval is fast because there is no credit check or financial paperwork. Most applicants get a decision within 24 to 48 hours, and funds are usually sent within 24 hours of signing. The slowest step is getting documents back from your attorney’s office, so a responsive law firm means faster funding.
What Does It Actually Cost?
The cost is a fee that builds over time and is paid only at settlement. Two things drive the total. First, how long your case takes to resolve, because fees stop building when the case ends. A case that settles in six months costs far less than one that runs for three years. Second, the rate schedule in your contract, which is set at the time of the advance and disclosed in writing before you sign.
Before you sign any pre-settlement contract, ask to see a chart showing exactly what you would owe back if the case settled at 6, 12, 18, 24, and 36 months. Reputable funders disclose every fee in dollars, not just percentages. If a funder will not give you that chart, walk away. Several states cap legal funding costs and require specific disclosures, and your contract reflects the rules of the state where you live and where your case is filed. We do not stack compounding fees on top of compounding fees, so you know the maximum you could ever owe back the day you sign.
Premises Liability Funding FAQs
Is a premises liability lawsuit loan really a loan?
No, not in the bank sense. It is non-recourse funding, repaid only from your settlement and only if you win. There are no monthly payments and no interest-bearing balance, and your lawsuit is not used as collateral. If your case does not recover, you owe nothing.
What types of premises liability cases qualify?
Slip and fall accidents, negligent security and assaults, swimming pool accidents, dog bites, building code violations, elevator and escalator injuries, and amusement park ride accidents. If you were hurt on someone else’s property because of poor maintenance or unsafe conditions, apply and we will review it.
What if I lose my case?
You owe nothing. Not the original advance, not the accrued fees, not a single dollar. We absorb the entire loss. That is the core feature of non-recourse funding, and the reason your credit, income, and employment are never part of the decision.
How much money can I get?
Most premises advances run from $500 to $100,000, with more available for severe cases like negligent-security assaults or catastrophic injuries. The amount is usually kept at or below 10% to 20% of your expected net settlement. You can take a smaller draw now and request more later, which keeps total fees lower.
How do I qualify, and how fast is it?
You need a pending premises liability case and an attorney handling it on contingency. There is no credit check and no financial paperwork, so approval is fast. Most applicants get a decision within 24 to 48 hours, and funds are usually delivered within 24 hours of signing.
What do I have to prove in a premises liability case?
Generally four things: that the owner owed you a duty of care, that a dangerous condition existed, that the owner knew or should have known about it and failed to fix or warn (the notice element), and that this caused your injury and damages. Your attorney handles the proof. We do not give legal advice, but if you have an attorney and an active claim, we can review it for funding.
What does it cost?
There is a fee tied to how much you receive and how long your case takes. Before signing, ask to see your total repayment at 6, 12, 24, and 36 months in actual dollars. It costs more than a bank loan because we are paid back only if you win and take the case risk instead of you. A reputable funder gives you that chart without pressure.
Does my attorney have to be involved?
Yes. You must have an attorney handling your case on contingency, and they coordinate the transaction with us. Funding does not change how your case is run. Your attorney stays in full control, and our only role is coordinating repayment when the case settles.
