Tennessee Lawsuit Loans for Mass Tort, Abuse & Complex Cases
Tennessee lawsuit loans are made for plaintiffs who have filed suit through a lawyer, or who are close to settling.
Advances, from $500 to $250,000+, are all non-recourse. Lose, and you pay back nothing.
Start online, or use the phone: 888-335-3537. After that, we speak with your lawyer about the case.
Tennessee’s Lawsuit Funding Law
Tennessee has set rules for consumer lawsuit funding since 2014. A 2026 law added rules for business funding.
| State law | A 2014 law that sets the rules for consumer lawsuit funding. |
| Rate cap | Yes. The act limits yearly charges and how long a contract can run. See the act in Sources for the limits. |
| Right to cancel | You get five business days after signing, or after the money arrives if that’s later. Give notice and send the money back. |
| Disclosure rule | Page one must list the sum advanced, your maximum payback and the cancel notice. A signed statement from your lawyer goes in too. |
| Registration | Each funder files with the Secretary of State and posts a bond. |
| 2026 change | A law signed May 19, 2026 added rules for business funding. It also bans funders linked to nations the U.S. lists as adversaries. |
| Effective date | July 1, 2014. The 2026 changes apply to contracts made from May 19, 2026. |
| As of | October 28, 2026. |
In Tennessee, your funding contract is written by a litigation funder registered with the state, as Tennessee law requires. Paying lawyers for referrals is banned, and so is giving legal advice. A contract that breaks the act can’t be enforced.
Do I qualify?
You probably qualify once your suit is in court.
- Your lawyer works on a contingency fee (your lawyer is paid only if you win) and will sign a short statement for the contract.
- Your lawsuit is filed in Tennessee, or a settlement agreement is in progress.
- Your claim falls in our range: a mass tort (many people hurt by the same product or exposure), abuse by an institution, a job claim or a group suit.
- The other side can pay, such as a company, a church or an employer.
People call it a lawsuit loan. It’s a non-recourse advance, not a loan: if you lose, you owe nothing.
If your case was filed outside Tennessee, see our state list. What counts is the state of filing, not your home address. No credit check is involved.
How it works
1. Reach us
The website takes applications, and so does 888-335-3537. You’ll name the court, your lawyer and a target amount.
2. Lawyer check
Your lawyer confirms how far along the case is, and whether any lien (money that must be paid back from the settlement first) applies.
3. See the offer
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 funded
With the contract signed, payment goes out by wire or by check. Your lawyer pays us from the settlement before passing the rest to you.
Tennessee Lawsuit Loans for Group, Abuse and Work Cases
None of Tennessee’s federal courts runs an MDL (similar federal cases grouped before one judge) over a harmful drug or device. Tennesseans with those claims file into national groups in other states.
We fund them through our mass tort page. Implants and other devices are covered on the medical devices page.
Will a transfer to an MDL affect funding?
No. We look only at the first court to hear the case. If that court was in Tennessee, a transfer into an MDL changes nothing.
How long do Tennessee abuse survivors have?
It depends on when the abuse took place. For abuse since July 1, 2025, survivors can sue until age 48, or within three years of learning of it if that’s later.
For abuse between July 1, 2019 and June 30, 2025, the age limit is 33. For older abuse, it’s three years from when the survivor learned of it.
Tennessee hasn’t passed a lookback window (a set time when a law let old abuse claims be filed). A claim against a public school or agency may face a shorter limit, so your lawyer will check it.
We fund church abuse suits through the clergy abuse page and others through the sexual abuse page.
What other cases can we fund in Tennessee?
- Railroad crews hurt at work, through FELA funding.
- Overtime and unpaid wage suits, through labor law funding.
- Civil rights claims, such as police abuse, through civil rights funding.
- Many people suing over one harm, through class action funding.
What can make an offer smaller?
An advance has to wait for the filing. Heavy liens, or a defendant without much money, may lower the number.
Earlier advances on this case count as well, because they’re paid first from the same money. Every type we fund is under cases we fund.
Tennessee Lawsuit Loan Questions
Does Tennessee have rules for lawsuit funding?
Yes. A 2014 state law sets rules for consumer funding contracts. A 2026 update added rules for business funding.
Is there a limit on what a funder can charge?
Yes. Tennessee caps yearly charges and how long a contract can run. Your offer must show the most you could owe.
Can I back out after I sign?
Yes. Within five business days of signing or of receiving the money, whichever comes later, you can cancel. Give notice and return the funds.
Will my lawyer sign the contract too?
Your lawyer adds a signed note to it. The note says they could review the contract and got no referral fee from us.
Can a funder tell me to settle?
No. Tennessee contracts must say the funder makes no choices about your case. Those decisions remain yours and your lawyer’s.
Tennessee Lawsuit Loans Until Your Case Ends
Defendants like big companies and institutions can stretch a case out. Tennessee lawsuit loans pay for daily life in the meantime, so you aren’t pushed into the first offer.
We offer non-recourse advances: no recovery means no repayment. This is a broad look at the law here, not legal advice for you. Ask your lawyer how it applies.
Sources
We went through each Tennessee source on October 28, 2026. Whether one applies to you is for your lawyer to say.
- Public Chapter 819 (2014), the funding law, Tennessee Secretary of State.
- Public Chapter 1005 (2026), the 2026 changes, Tennessee Secretary of State.
- Public Chapter 499 (2019), abuse claim deadlines, Tennessee Secretary of State.
- Public Chapter 291 (2025), a longer limit for child abuse suits, Tennessee Secretary of State.