Florida Pre-Settlement Funding: Get Cash Now, While Your Case Wins
Waiting on a Florida lawsuit and need cash now? Diamondback Funding provides non-recourse pre-settlement funding to Florida plaintiffs, no credit check, no monthly payments, zero repayment if your case doesn’t succeed.
Had surgery or a broken bone? Those are the cases we move fastest.
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How does Florida law affect your case and your funding?
Two features of Florida law shape every personal injury case here, and both directly affect how much pre-settlement funding your case can support.
The filing clock matters just as much: most Florida personal injury claims must be filed within 2 years of the injury. And if a government entity is involved, a city vehicle, public property, a state agency, formal notice deadlines are typically far shorter than the general statute of limitations. Confirming those dates should be one of the first conversations you have with your attorney.
For funding purposes, the practical takeaway: in Florida, recovery is barred above 50% fault, so liability evidence directly drives both case value and funding. When you apply, we review these factors directly with your attorney, you don’t need to have the answers yourself.
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 Florida 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 in Florida?
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 Florida lawsuit funding?
Most plaintiffs with an active claim in Florida and legal representation are eligible. Approval is based on your case, not your credit history.
Active Florida Claim
A personal injury claim or filed lawsuit within Florida’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.
Favorable Fault Position
Under Florida’s fault rules, recovery is barred above 50% fault, so liability evidence directly drives both case value and funding.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
Filed on Time
Within Florida’s 2-year statute of limitations, or the shorter notice window for government defendants.
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 Florida funding for?
There are no restrictions on how you use your pre-settlement funding. Florida plaintiffs use their advance for whatever pressing need matters most, medical bills, rent, or simply staying current while a case moves through the courts.
Florida funding amounts typically range from $500 to $500,000, sized to the strength and stage of the underlying claim.
Apply Now →| Expense Type | Covered? |
|---|---|
| Medical & hospital bills | ✓ Yes |
| Surgery & specialist care | ✓ Yes |
| Physical & occupational therapy | ✓ Yes |
| Prescription medications | ✓ Yes |
| Lost wages / income gap | ✓ Yes |
| Rent or mortgage | ✓ Yes |
| Groceries & daily expenses | ✓ Yes |
| Transportation | ✓ Yes |
| Childcare | ✓ Yes |
| Any other personal expense | ✓ Yes |
How does Diamondback compare with other pre-settlement funding companies?
Pre-settlement funding is an unregulated industry in many states. The wrong company can lock you into excessive fees. Here is how Diamondback Funding compares.
| Feature | Diamondback Funding | Typical Competitor |
|---|---|---|
| Credit check required | ✓ Never | ✓ Usually not |
| Monthly payments during case | ✓ None | ✓ None |
| Repayment if you lose | ✓ Zero | ✓ Zero |
| Full terms disclosed in writing before signing | ✓ Always | ✗ Varies |
| Dedicated case manager | ✓ Yes | ✗ Rarely |
| Funding timeline | 24–48 hours | 3–7 days typical |
| Maximum advance | Up to $500,000 | Often capped lower |
What should every Florida plaintiff know about pre-settlement funding?
Personal injury cases in Florida typically take 12 to 36 months to resolve, and insurance carriers know exactly how long most families can hold out. Every month you can’t wait is leverage for them. Pre-settlement funding exists to take that leverage away.
Florida’s Fault Rule and What It Means for Your Case
Modified comparative negligence with a 51% bar, you can recover as long as you were not more than 50% at fault; your award is reduced by your share of responsibility. Insurers understand this rule intimately and shape their negotiation strategy around it, which is why the quality of your liability evidence (reports, witnesses, footage) affects both your recovery and the funding amount your case supports.
Florida's No-Fault System and the PIP Gap
Florida requires every driver to carry Personal Injury Protection, which pays initial medical costs and a portion of lost income regardless of fault, but only up to $10,000 in most cases, and serious injuries exhaust that in days. Suing beyond PIP for pain and suffering generally requires a permanent injury under Florida's threshold. That gap between a $10,000 PIP ceiling and months of real losses is exactly where pre-settlement funding does its work in Florida auto cases, and it's why the PIP question comes up in nearly every evaluation.
The Filing Clock, and the Government-Entity Trap
Most Florida injury claims must be filed within 2 years. Claims involving government entities typically require formal notice on a much shorter timeline. A claim filed outside these windows has no enforceable value to advance against, regardless of how strong the underlying facts are.
Funding Rules in Florida
As of 2026, Florida has no comprehensive statute specifically governing consumer legal funding. That makes your protection simple: work only with a funder that puts complete repayment terms in writing before you sign, with your attorney reviewing the agreement. We do this on every Florida file.
Common Case Types Covered in Florida
We commonly fund car accident claims, slip and fall cases, medical malpractice claims, and employment disputes throughout Florida.
Get a free funding assessment in minutes. No credit check, no obligation.
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Related Case Types
Nearby States
Florida at a Glance
What changes a car accident or slip-and-fall case’s value in Florida?
Florida rewrote its injury law in 2023: a fault cutoff above 50 percent and a two year deadline, on top of a no-fault system with a permanent injury threshold and some of the lowest insurance minimums in the country. Here is how each rule moves the number on a file, and what we look at with your attorney before sizing an advance.
How does fault work in a Florida car accident?
Modified comparative negligence. Damages are reduced by your percentage, and a party found more than 50 percent at fault for their own harm recovers nothing (Fla. Stat. § 768.81(6)). The rule came in with HB 837 (ch. 2023-15), approved March 24, 2023, and applies to cases filed after that date. Near the line, the crash report and witnesses decide whether there is a case, which is why liability proof carries so much weight in our review.
What does no-fault mean for your claim?
Your own PIP pays $10,000 in medical and disability benefits and $5,000 in death benefits (Fla. Stat. § 627.736(1)). To recover pain and suffering from the other driver, the injury must consist of significant and permanent loss of an important bodily function, a permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death (Fla. Stat. § 627.737(2)). A permanency finding from the treating doctor is the first document we read on a Florida auto file.
Who pays, and how much insurance is there?
Florida’s bodily injury financial responsibility minimums are $10,000 per person and $20,000 per crash, with $10,000 property damage (Fla. Stat. § 324.021(7)). Those are low, so the at-fault driver’s actual limits and any uninsured or underinsured motorist coverage on your own policy usually decide what the case can pay, and we ask about both early.
How long do you have to file?
Two years for an action founded on negligence, cut from four by HB 837 for causes of action accruing after March 24, 2023, and two years for wrongful death (Fla. Stat. § 95.11(5)).
What about slip-and-falls and dog bites?
If you slip on a transitory foreign substance in a business, you must prove the business had actual or constructive knowledge of the condition and should have fixed it; constructive knowledge can be shown by how long the condition existed or how regularly it occurred (Fla. Stat. § 768.0755). Video and inspection logs are the premises file. Dog bites are strict liability, regardless of the dog’s history, reduced by any negligence of the person bitten (Fla. Stat. § 767.04).
Are there damage caps?
No general cap on ordinary injury cases. Claims against the state, a county or a city are capped at $200,000 per person and $300,000 per incident unless the Legislature passes a claim bill (Fla. Stat. § 768.28(5)), which matters when a government vehicle or public property is involved.
Verified against statute text and court publications as of September 10, 2026. Laws change and exceptions apply, and your attorney confirms how they apply to you.
Florida rules at a glance
Which cases does Diamondback fund in Florida, and what changes their value?
Car accidents and slip-and-falls are covered above. Here is what Florida law does to the other cases we fund most, one statute at a time, and what each rule means for the size and timing of an advance. If your case is on this list, send it over and we will review it with your attorney.
How much insurance is behind a Florida truck accident case?
More than in a car case, and the weight of the truck sets the floor. Florida requires commercial motor vehicles to carry combined liability of $50,000 per occurrence at 26,000 pounds, $100,000 at 35,000 pounds and $300,000 at 44,000 pounds or more, and trucks under federal jurisdiction must carry the federal minimums (Fla. Stat. 627.7415). Florida also applies the federal safety rules on driver hours, inspections and qualifications to in-state carriers (Fla. Stat. 316.302), so a logbook or maintenance violation becomes liability evidence. Higher limits and a corporate defendant are why truck accident funding can run larger, and why the carrier's policy declarations are the first thing we ask your attorney for.
Does riding without a helmet hurt a Florida motorcycle case?
Less than riders fear, because for many adults it is legal. Florida lets a rider over 21 go without a helmet if covered by a policy providing at least $10,000 in medical benefits for motorcycle crash injuries (Fla. Stat. 316.211(3)(b)). Expect the insurer to raise the helmet on a head injury claim; your attorney's answer on that point shapes the number. What moves the value most is the same as any Florida crash: a permanency finding, the at-fault driver's limits and your own uninsured motorist coverage, since PIP covers only vehicles with four or more wheels (Fla. Stat. 627.732(3)). Send us the police report and medical records and we will size motorcycle accident funding around them.
How much coverage applies to an Uber or Lyft crash in Florida?
It depends on what the app showed at the moment of impact. While the driver is logged on but has no ride, Florida requires at least $50,000 per person, $100,000 per incident and $25,000 property damage, plus PIP and uninsured motorist coverage. Once a ride is accepted and until it ends, the requirement is at least $1 million (Fla. Stat. 627.748(7)), and if the driver's policy lapsed, the company's policy pays from the first dollar. That $1 million layer makes a rideshare case, as passenger or as the other driver, one of the better insured case types in Florida. For rideshare accident funding we ask your attorney which period applied and for the trip record that proves it.
Who has the right of way in a Florida pedestrian accident?
In a crosswalk, usually the pedestrian. Where there is no signal or sign, a driver must yield, slowing or stopping if needed, to a pedestrian crossing within a crosswalk on the driver's half of the road or approaching so closely as to be in danger, and at signals the driver must stop and stay stopped (Fla. Stat. 316.130(7)). The pedestrian's duty is real too: no stepping off a curb into the path of a car so close it cannot stop, and outside a crosswalk the pedestrian yields. Every driver must still use due care to avoid any pedestrian. The crosswalk and the crash report decide the fault split, and the fault split decides pedestrian accident funding.
Who can you sue after a Florida construction accident?
Usually not your employer, and that is why the third-party case matters. An employer that carries workers' compensation is shielded from every other claim by the injured worker (Fla. Stat. 440.11(1)). The same law lets you take comp benefits and at the same time sue the third party whose negligence hurt you, such as a general contractor, a property owner, another subcontractor or an equipment maker, with the comp carrier repaid from that recovery (Fla. Stat. 440.39). The third-party case is the one we fund, because it carries pain and suffering and full wage loss. For construction accident funding we ask who controlled the site and what insurance they carry.
What is a Florida employment discrimination case worth, and how fast must you file?
Under the Florida Civil Rights Act, the clock is 365 days from the violation to file with the Florida Commission on Human Relations, and a filing with the EEOC counts as filing with the commission (Fla. Stat. 760.11(1)). In court the act allows back pay, compensatory damages for mental anguish and loss of dignity, punitive damages up to $100,000, and attorney's fees to the prevailing party (Fla. Stat. 760.11(5)). Back pay is the part we can size from a pay stub and a termination date, which is why the agency charge, the position statement and any right-to-sue letter are the file for employment lawsuit funding in Florida.
Who receives the money in a Florida wrongful death case?
The survivors and the estate, through one lawsuit brought by the personal representative (Fla. Stat. 768.20). Survivors are the spouse, children, parents, and dependent blood relatives, and children under 25 count as minors (Fla. Stat. 768.18). A spouse recovers lost companionship and mental pain, minor children lost parental guidance, and each survivor lost support. One exception: in a medical negligence death, adult children and parents of an adult child cannot recover pain and suffering (Fla. Stat. 768.21(8)), which can cut the value sharply. Because the advance goes to a named survivor with the representative's consent, wrongful death funding starts with the letters of administration.
Why do Florida medical malpractice cases take longer, and how does that affect funding?
Because the law puts a presuit process in front of the lawsuit. Before filing, your attorney must serve a notice of intent backed by a verified written opinion from a medical expert (Fla. Stat. 766.203(2)), and no suit may be filed for 90 days while the defendant investigates (Fla. Stat. 766.106(3)). The deadline is 2 years from the incident or its discovery, and never more than 4 years (Fla. Stat. 95.11(5)(c)). The expert opinion is the document that tells us the case is real, and the strongest applications for medical malpractice funding have a settlement offer or a settled case. Either way, send it and we will look.
Can you get funding on a settled Florida workers' compensation claim?
Yes, and Florida makes it simpler than most states. A represented claimant may settle all comp benefits for a lump sum, and the judge of compensation claims approves only the attorney's fee, not the amount; the lump sum must be paid within 14 days after the fee order is mailed (Fla. Stat. 440.20(11)(c)). That short, predictable window is what makes a settled Florida comp case fundable: the payoff date is known. The strongest applications for workers' compensation funding have a signed settlement or a written offer on the table. If a third party caused the injury, the separate injury case may be fundable earlier, and we review both.
What changed for Florida negligent security cases?
Apartment and condo owners can now earn a presumption against liability. Under a 2023 statute, the owner or operator of a multifamily property with five or more units that substantially implements listed security measures, including entry cameras kept 30 days, lit parking lots and walkways, 1-inch deadbolts, window locks, locked pool gates, peepholes and a crime prevention assessment, has a presumption against liability for crimes by third parties on the premises (Fla. Stat. 768.0706(2)). The case now turns on what the property did not do, so the assessment, the camera footage and the lighting survey are the file for negligent security funding. The statute covers multifamily residential property; other premises follow the ordinary premises rules.
Verified against statute text and regulator publications as of September 25, 2026. Laws change and exceptions apply, and your attorney confirms how they apply to you.
Florida rules at a glance
Florida funding FAQs
Yes, non-recourse pre-settlement funding is available to plaintiffs throughout Florida through Diamondback Funding. Applications, agreements, and funding are handled remotely, with funds delivered by wire or overnight check. As of 2026, Florida has no comprehensive statute specifically governing consumer legal funding.
Modified comparative negligence with a 51% bar, you can recover as long as you were not more than 50% at fault; your award is reduced by your share of responsibility. Apply or call us and we’ll give you an honest read on how Florida’s rule applies to your situation.
Most Florida personal injury claims must be filed within 2 years of the injury. Claims involving government entities typically require notice on a much shorter timeline, confirm your exact deadlines with your attorney.
Most applications receive a decision the same business day once we have case details from your attorney. After signing, funds arrive within 24–48 hours anywhere in Florida.
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. Pre-settlement funding is available to Florida plaintiffs, structured as a non-recourse purchase of a portion of your potential recovery rather than a loan. Florida has no funding-specific licensing statute, which makes contract transparency the real safeguard: your exact repayment is disclosed in writing before you sign.
Under Fla. Stat. 627.4265, once a settlement is agreed in writing, the insurer must tender payment within 20 days. The money still flows through your attorney's trust account and liens still resolve before your share is released, which is where post-settlement funding fits.
It applies to causes of action accruing on or after March 24, 2023, when HB 837 took effect, and medical negligence cases are exempt. Under the bar, a party found more than 50% at fault recovers nothing; at 50% or below, recovery is reduced by your share.
Not directly. Your own PIP coverage pays the first medical bills regardless of fault, but funding advances against your liability claim, the case against the at-fault driver. A strong liability claim is fundable whether or not PIP has been exhausted.
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.
Yes, if your share is 50 percent or less. Florida reduces your recovery by your percentage of fault and cuts it off entirely above 50 percent for cases filed after March 24, 2023 (Fla. Stat. § 768.81). We review the crash report and witness evidence with your attorney, because near the line that evidence is the case.
To recover pain and suffering from the other driver, the injury must consist of significant and permanent loss of an important bodily function, a permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death (Fla. Stat. § 627.737). A permanency opinion from your treating doctor is the document that unlocks that part of the case.
The bodily injury financial responsibility minimums are $10,000 per person and $20,000 per crash, with $10,000 property damage (Fla. Stat. § 324.021). PIP on your own policy pays $10,000 in medical benefits. Because those figures are low, uninsured and underinsured motorist coverage on your own policy often decides what the case can pay.
Yes. For a transitory foreign substance in a business, you must prove actual or constructive knowledge, and constructive knowledge can be shown by how long the condition existed or how regularly it occurred (Fla. Stat. § 768.0755). Video, sweep logs and witnesses are what we look for with your attorney.
Florida sets the minimum by weight: $50,000 per occurrence at 26,000 pounds, $100,000 at 35,000 pounds and $300,000 at 44,000 pounds or more, and trucks under federal jurisdiction must carry the federal minimums (Fla. Stat. 627.7415). Those limits are why truck accident funding can run larger than a car case, and we ask for the carrier's policy declarations early.
Yes. Florida lets a rider over 21 go without a helmet when covered by a policy with at least $10,000 in motorcycle medical benefits (Fla. Stat. 316.211), so riding without one was lawful for most adults. Expect the insurer to raise it on a head injury, so we review that with your attorney along with the permanency finding and the available limits.
At least $1 million while a ride is accepted or in progress, and at least $50,000 per person and $100,000 per incident while the driver is logged on without a ride (Fla. Stat. 627.748). The company's policy pays from the first dollar if the driver's own coverage lapsed. Which period applied is the first question we ask on a Florida rideshare file.
In a crosswalk, yes: a driver must yield, slowing or stopping if needed, to a pedestrian crossing on the driver's half of the road (Fla. Stat. 316.130). Outside a crosswalk the pedestrian yields, and no one may step into the path of a car too close to stop. The fault split from those rules is what we size funding around.
Not your employer, but yes against a third party. Workers' comp is your employer's only liability (Fla. Stat. 440.11), while Florida lets you keep comp benefits and sue a negligent general contractor, property owner, subcontractor or equipment maker at the same time (Fla. Stat. 440.39). That third-party case is the one we fund, with the comp carrier repaid from the recovery.
365 days from the violation to file with the Florida Commission on Human Relations, and a filing with the EEOC counts (Fla. Stat. 760.11). A Florida Civil Rights Act case can recover back pay, compensatory damages, punitive damages up to $100,000 and attorney's fees. Send the charge and any right-to-sue letter and we will review employment funding with your attorney.
The survivors and the estate, through a single case brought by the personal representative (Fla. Stat. 768.20). Survivors are the spouse, children, parents and dependent relatives, and children under 25 count as minors (Fla. Stat. 768.18). The recovery flows through the estate, so we start with the letters of administration and your attorney's damages breakdown.
We can review it, and the presuit file tells us a lot. Florida requires a notice of intent backed by a verified medical expert opinion, then a 90-day investigation period before suit (Fla. Stat. 766.106 and 766.203). The strongest applications have a settlement offer or a settled case, but send the expert opinion and we will look at where the case stands.
Yes. When a represented claimant settles for a lump sum, the judge approves only the attorney's fee and the payment is due within 14 days after the fee order is mailed (Fla. Stat. 440.20). That known payoff date is what makes a settled Florida comp case fundable. Send the settlement agreement or written offer and we will review it with your attorney.
Yes. A 2023 statute gives owners of properties with five or more units a presumption against liability if they substantially implemented listed security measures, such as entry cameras, lighting, deadbolts and a crime prevention assessment (Fla. Stat. 768.0706). The case now turns on which measures were missing, so we review the assessment, footage and lighting evidence with your attorney.
Legal references for Florida: Statute of limitations: Fla. Stat. § 95.11 (as amended 2023). Fault rule: Fla. Stat. § 768.81. Citations are provided for general reference and link to our state funding guide; confirm current statutory text with your attorney.
Through Diamondback Funding, non-recourse pre-settlement funding is available to Florida residents, subject to underwriting approval and applicable Florida law. Funding amounts, availability, and terms vary by case and may change without notice. As of 2026, Florida has no comprehensive statute specifically governing consumer legal funding. Nothing on this page is legal or financial advice; consult your attorney. Your complete repayment terms are disclosed in writing before you sign.
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