Construction Accident Lawsuit Loans: Get Cash Now, While Your Case Wins
Hurt on a job site? In New York especially, the Labor Law puts owners and general contractors on the hook, and Diamondback gets injured workers funded while the case is won.
Had surgery or a broken bone? Those are the cases we move fastest.
No obligation. No credit check. Takes 2 minutes.
Apply for Funding
What are construction accident lawsuit loans?
A construction accident lawsuit loan is non-recourse funding for workers injured on job sites, falls from heights, scaffold and ladder failures, falling objects, equipment accidents. These are among the strongest cases for funding, and in New York they are arguably the strongest of all: Labor Law § 240(1), the Scaffold Law, imposes absolute, nondelegable liability on owners and general contractors for gravity-related injuries, and § 241(6) adds liability for specific safety-code violations. Critically, these claims run against the owner and GC, not your employer, so workers' compensation does not bar them, and the defendants carry serious commercial coverage.
Case cases often take 12 to 36 months to resolve. Throughout that period, injured plaintiffs face mounting medical bills, lost wages, and everyday living expenses, pressure insurance companies exploit with early lowball offers that fall far short of a claim's true value.
Pre-settlement funding breaks that cycle. When your bills are covered, your attorney can negotiate from patience rather than desperation, and plaintiffs who can wait for a fair settlement consistently recover more than those forced to accept early offers.
The injury decides what the case is worth, and how fast we can fund it.
Insurers value a claim by what the records prove. A fracture, a surgery, or a permanent scar is proof that does not need arguing, which is why those files move through review the fastest and carry the most value.
How does funding work, from application to cash?
Apply Online
Complete our 2-minute form or call our team. Basic case details only, no documents needed at this stage.
Attorney Review
We contact your attorney to evaluate liability, injury severity, and estimated settlement value.
Fast Decision
Our underwriters assess your case and return a funding decision, typically the same business day.
Clear Agreement
We present a fully transparent agreement. All terms are spelled out before you sign, no hidden costs.
Funds Delivered
Money arrives via wire transfer or overnight check within 24–48 hours of signing.
No obligation. No credit check. Takes 2 minutes.
How much could you qualify for?
Adjust the sliders for an instant estimate based on your case profile. All figures are illustrative, actual amounts depend on case evaluation.
Do you qualify for construction accident lawsuit loans?
Most plaintiffs with an active case and legal representation are eligible. Approval is based on your case, not your credit history.
Active Lawsuit or Claim
You have a personal injury claim or filed lawsuit within your state's statute of limitations.
Attorney on Contingency
Funding requires an attorney representing you on a full contingency fee basis who signs an acknowledgment of the funding agreement. We cannot fund without both.
Another Party at Fault
A third party bears legal responsibility, with insurance or assets to recover against.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
Treatment Underway
Your damages are documented and ongoing where applicable.
Age 18 or Older
Applicants must be at least 18. Parents or guardians may apply on behalf of injured minors in some cases.
Call for a free, no-obligation eligibility review. We'll give you an honest answer in minutes.
What can you use construction accident lawsuit loans for?
There are no restrictions on how you use your pre-settlement funding. Most of our clients use it to bridge the gap while treatment continues and their attorney builds the case.
Whether it's keeping the lights on, covering out-of-pocket medical costs, or replacing lost income from missed work, the money is yours to use where it's needed most.
Apply Now →| Expense Type | Covered? |
|---|---|
| Medical bills & treatment | ✓ Yes |
| Rent, mortgage & utilities | ✓ Yes |
| Lost wages / income gap | ✓ Yes |
| Groceries & daily expenses | ✓ Yes |
| Transportation to appointments | ✓ Yes |
| Childcare | ✓ Yes |
| Any other personal expense | ✓ Yes |
What should every plaintiff know about construction accident lawsuit loans?
New York's Scaffold Law, Plainly
Labor Law § 240(1) makes owners and general contractors strictly responsible when a worker is injured in a gravity-related accident, a fall from a ladder, scaffold, or elevated surface, or a falling object, where proper safety devices weren't provided. Comparative fault is largely off the table. For funding purposes, a documented 240(1) case is close to the best collateral in personal injury.
241(6), 200, and Site Negligence
Beyond gravity cases, § 241(6) reaches concrete Industrial Code violations, unguarded openings, debris, inadequate lighting, and § 200 codifies general site-safety duty. Outside New York, similar claims proceed through third-party negligence against non-employer parties: GCs, owners, subcontractors, and equipment makers.
Workers' Comp Doesn't Block These Claims
Comp covers you regardless of fault but pays fractions of real losses and nothing for pain and suffering. The fundable asset is the third-party lawsuit against owner, GC, or others, which proceeds alongside comp. Note that any comp lien gets addressed at settlement; tell us about it and we underwrite accordingly.
Union and Non-Union, Documented and Fast
Trade, immigration status, and union membership don't gate the claim. What drives funding is the accident report, witness accounts, photos of the site and device, and medical documentation. With those in your attorney's file, decisions come fast and advances run to the top of our range.
Free assessment in minutes. No credit check, no obligation to accept.
Apply NowOr call (917) 267-8368
Case already settled? Post-settlement funding →
Related Case Types
At a Glance
Can I get pre-settlement funding for a construction accident case, and how fast?
Yes, and these are files we fund readily, as long as there is a defendant other than your employer: a property owner, a general contractor, a subcontractor or an equipment maker. We fund the third-party lawsuit, not the workers' compensation claim. Once your attorney's office sends the accident report, the treatment summary and the names of the owner and general contractor, most decisions go out the same business day, and funds arrive by wire or overnight check within 24 to 48 hours of signing. Advances typically run 10 to 20% of estimated case value, from $500 to $500,000, with no credit check and no payments while the case is open. If the case is lost, you owe nothing. Send it in and we will tell you plainly.
What makes a construction accident case strong for funding?
Height and paperwork. A fall from a ladder, scaffold, roof or lift, or an object dropped from above, is the strongest fact pattern in construction, because in many states the owner and general contractor answer for it whether or not you were careful. Next: an accident report filed the same day, an OSHA visit, photos of the device that failed, and coworkers who saw it happen. The recovery source is the owner's and general contractor's commercial liability coverage, which is large and layered. Injuries that carry the value are fractures, spinal and shoulder surgeries, and head injuries with imaging, and a documented inability to return to the trade. A workers' compensation lien, a disputed employer, or an accident that was never written up does not close the file; it changes the size of the advance.
Where we fund construction accident cases
We fund construction accident cases in 41 states; these are the ones our clients work in most, with the rules that move case value the most.
New York: fault cutoff none, except auto cases from 5/26/2026; filing deadline 3 years injury, 2 years death.
New Jersey: fault cutoff barred above 50%; filing deadline 2 years.
Pennsylvania: fault cutoff barred above 50%; filing deadline 2 years.
Florida: fault cutoff barred above 50%; filing deadline 2 years.
Texas: fault cutoff barred above 50%; filing deadline 2 years.
California: fault cutoff none, pure comparative; filing deadline 2 years.
Arizona: fault cutoff none, pure comparative; filing deadline 2 years.
Georgia: fault cutoff barred at 50%; filing deadline 2 years.
State facts verified against statute text as of September 10, 2026; the full rules, citations and exceptions are on each state page. Your attorney confirms how they apply to you.
Funding at a glance
Cost, in writing
No upfront fees, no monthly payments, and the exact payoff at 6, 12, 18 and 24 months before you sign. What funding costs
Construction Accident Lawsuit Loans FAQs
Yes. Funding attaches to your third-party lawsuit against the owner, GC, or other non-employer parties, which workers' comp does not bar. The comp carrier's lien is handled at settlement, and we factor it into underwriting.
Falls involving inadequate safety devices are the core of § 240(1), and liability on owners and GCs is absolute in qualifying cases. Your attorney confirms the elements; when they're present, these are premier funding cases.
You owe nothing. Our funding is non-recourse: repayment comes only from your settlement or judgment. The one exception, standard across the industry and required by state funding laws, is fraud or material misrepresentation in connection with your application or claim, which voids the non-recourse protection.
These cases regularly support the upper end of our $500 to $500,000 range, with staged additional funding available as serious cases mature.
Yes. The lawsuit against the owner or general contractor does not depend on how you were paid, whether you were on payroll, or your immigration status. What it depends on is that you were doing work on the site and someone other than your employer controlled the conditions. Cash pay matters for one thing: proving lost wages, which your attorney handles with pay records, coworker statements or tax filings. The advance is sized to the injury and the liability, not the paperwork.
No. Many construction files we fund are still in the claim stage, before a complaint is filed. What we need is an attorney on contingency who has identified the owner, general contractor or other non-employer party and confirmed their coverage. The earlier the file, the more the advance leans on the accident report and the medical records; a filed case with a defense answer and photos of the site usually supports more.
Yes, and that is the typical file. Most construction plaintiffs apply while they are out on comp benefits, treating, and waiting to learn whether they can return to the trade. Ongoing treatment strengthens the case rather than delaying funding, because the records grow. Many clients take a first advance early and return for additional funding as a surgery is scheduled or a permanency finding comes in, each sized against the case as it stands then.
Yes. On most commercial sites the owner and general contractor require every subcontractor to carry liability coverage and to name them as additional insureds, so the same accident can draw on several policies. Your attorney's office finds out which carriers are on the risk through the contracts and certificates of insurance. The more coverage sitting behind the defendants, the higher the realistic recovery and the larger the advance we can size against it.
Don’t let their delay tactics force a bad settlement
Stay financially stable while fighting for the settlement you deserve, without pressure to accept a lowball offer.
Apply Now →No obligation · No credit check · Decision the same business day