Jones Act Lawsuit Loans: Get Cash Now, While Your Case Wins
Injured and waiting on your settlement? Diamondback Funding gives you cash now, no credit check, no monthly payments, and zero repayment if you lose your case.
No obligation. No credit check. Takes 2 minutes.
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What is a Jones Act lawsuit loan?
A jones act lawsuit loan, also called pre-settlement funding or a settlement advance, gives injured plaintiffs access to cash from their expected settlement before the case concludes. Despite the term "loan," it operates very differently from any bank product.
Jones Act maritime injury 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.
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 Jones Act 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 Jones Act 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 Jones Act lawsuit loans?
The Jones Act protects seamen injured in the service of a vessel, allowing negligence claims against employers plus claims for unseaworthiness and maintenance-and-cure benefits. Maritime litigation is specialized and slow-moving; funding bridges the months between injury and resolution.
What Determines How Much You Qualify For
Diamondback evaluates four primary factors: liability, the clearer the fault, the stronger the case for funding; documented damages, which establish the value floor; the defendant’s insurance or ability to pay, which sets the recovery ceiling; and your attorney’s assessment of likely resolution value. Approvals typically range from 10–20% of estimated case value.
The Role of Your Attorney
We communicate directly with your legal team to review case documentation and determine an appropriate advance, which protects you: your attorney ensures the funding is structured sensibly relative to your expected recovery, and we never direct litigation strategy or pressure settlement decisions.
Free assessment in minutes. No credit check, no obligation to accept.
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Related Case Types
At a Glance
Can I get pre-settlement funding for a Jones Act case, and how fast?
Yes. Jones Act cases fund well because the defendant is your employer's marine insurer, and because the fault standard a seaman has to meet is lighter than in an ordinary injury claim. Once your attorney's office sends the incident report, the vessel and employer details, and your treatment records, most decisions go out the same business day, and funds arrive by wire or overnight check within 24 to 48 hours of signing. Advances run 10 to 20% of what the case is realistically expected to bring, from $500 to $500,000, and maintenance and cure payments do not count against you. No credit check, nothing to pay while the case is open, and if the case is lost you owe nothing. Send it in and we will tell you plainly.
What makes a Jones Act case strong for funding?
Seaman status first, because everything else depends on it: you were assigned to a vessel or fleet in navigation, a tug, supply boat, fishing vessel, barge or rig that moves, and your work served the vessel's mission. Then the failure: a slippery deck, a broken winch, an undermanned crew, a shortcut the captain ordered, or an unseaworthy condition that makes the vessel owner liable without proof of carelessness. Then the record: the vessel's accident report, crew statements and the logbook. Then the injury: back and shoulder injuries from lifting or falls are common, and surgery or a no-return-to-sea opinion raises value, since lost seagoing wages are the largest damages item. Employer paperwork that blames you, or a fight over your time aboard, does not end the review; it sets the size of the first advance.
Where we fund Jones Act cases
We fund Jones Act cases in 41 states; these are the ones our clients come from most, and each state page carries the general injury rules your attorney will be working with.
Our clients in these cases come most often from New York, New Jersey, Pennsylvania, Florida, Texas, California, Arizona and Georgia, and we fund Jones Act cases in 41 states. Each state page carries the rules that shape the injury side of a claim; the employment, maritime, workers' compensation and civil rights rules that govern Jones Act cases are federal or state-specific, and your attorney is the authority on which apply.
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
Jones Act Lawsuit Loans FAQs
Most applications receive a decision the same business day once we have your case details from your attorney. After you sign, funds arrive by wire transfer or overnight check within 24–48 hours.
Approvals typically range from 10–20% of your estimated case value, from $500 up to $500,000, depending on liability strength, documented damages, and available insurance coverage. Your exact amount is determined after case review with your attorney.
Partial fault doesn't automatically disqualify you, it depends on your state's comparative negligence rules and how fault is likely to be apportioned. Apply or call us and we'll give you an honest read on your situation.
No. Your attorney maintains full control over your case and settlement strategy. We never direct litigation and you're never pressured to accept any offer, the funding exists precisely so you can refuse lowball offers.
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.
Yes. Maintenance and cure is owed no matter who was at fault and covers basic living costs and medical care until you reach maximum improvement. It is separate from your negligence and unseaworthiness claim, which is what the advance is measured against. Maintenance is often small and arrives late, which is why many seamen apply; receiving it does not reduce what you can be advanced.
For a Jones Act claim, yes, since only a seaman can bring one. If you were hurt on a dock, in a shipyard, or on a fixed platform, you likely have a different claim, against a compensation system or a third party, and some of those are fundable as ordinary injury cases. Your attorney knows which you have; send it in and we will review the right claim.
Not for funding. A seaman can bring a Jones Act case in either court, and the choice is your attorney's strategy call: a state court jury in a maritime county can value the case differently than a federal bench. What moves the advance is the evidence, the coverage, and the venue's history with these cases, which your attorney will already know. Send it in and we will size it as it sits.
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