How Pre-Settlement Funding Works
From a 2-minute application to cash in your account in as little as 24–48 hours, with zero repayment if your case doesn’t succeed. Here’s exactly what happens at every step.
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
You receive 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.
What happens after you apply?
The attorney requirement: 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. Settlement proceeds must be disbursed through your attorney's trust account. We cannot fund a case where the recovery would be paid directly to you.
The same business day: our funding team contacts your attorney’s office to request basic case documentation, liability evidence, damages records, and insurance information. Your attorney handles this; you don’t need to gather anything yourself.
The decision: we evaluate liability strength, documented damages, insurance coverage, and any existing liens on the case. Most decisions go out the same business day during business hours.
The agreement: if approved, you receive a written agreement showing your exact repayment terms before you sign anything. Your attorney reviews it with you. No hidden fees, no surprises at settlement. Pricing is simple, non-compounding on most options, most agreements cap the total you can ever owe, and the agreement shows your exact payoff at 6, 12, 18, 24, 30 and 36 months.
The money: after signing, funds arrive by wire transfer or overnight check within 24–48 hours. There are no monthly payments, nothing is owed until your case resolves, and nothing is ever owed if you lose.
How It Works FAQs
Cost, timing and what your attorney sends, in plain terms.
No upfront fees and no monthly payments. Pricing is simple, non-compounding on most options, from 3.33% per month, charged in six-month periods. A compounding option from 2.99% per month is also available; which option costs less depends on how long your case takes. Most agreements cap the total you can ever owe. Before you sign, you see the exact payoff at 6, 12, 18, 24, 30 and 36 months in writing. One application reaches Diamondback and its funding partners, so you get the strongest terms your case qualifies for. If your case is lost, you owe nothing. Funding is provided by Diamondback Funding or one of its funding partners. Your agreement identifies the funding company and states your exact repayment terms before you sign. Full breakdown, with the numbers on settled cases: what pre-settlement funding costs.
Settled cases are the lowest-cost funding we arrange: typically 3% per month, simple, charged in three-month periods, and capped, because the only risk left is time. Your agreement identifies the funding company and states your exact repayment terms before you sign. See post-settlement funding.
Your agreement shows the exact payoff at each of those points in writing before you sign, so there is no math to do later. Most options are simple, non-compounding, and most agreements cap the total you can ever owe. The payoff shown for the period in which your case resolves is the amount repaid from the settlement through your attorney.
A short case summary, the liability evidence your attorney already has (the police report, incident report or complaint), a summary of treatment and medical bills, the insurance coverage in play, and any liens on the case. Your attorney's office sends it; you do not gather documents. 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.
No. Nothing is owed while your case is pending. Repayment happens once, out of settlement proceeds, handled through your attorney.
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.