Texas 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.
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Why does Texas have few restrictions on lawsuit funding?
Texas is one of relatively few states that explicitly permits champerty and maintenance, the legal terms for third parties funding someone else's litigation, a practice that remains restricted or murky in several other states. Texas is even one of the only states where, in theory, an attorney could lend directly to a client, though in practice almost all funding in Texas is still handled by dedicated third-party companies like Diamondback Funding.
What does shape every Texas case, regardless of funding regulation, is the state's modified comparative negligence rule, also called the 51% bar rule. If you're found 51% or more at fault for your own injury, you cannot recover any damages at all. Below that threshold, your compensation is reduced proportionally: a $750,000 jury award becomes $562,500 if you're found 25% at fault.
A shorter deadline for government claims: while most Texas personal injury claims must be filed within two years under the Texas Civil Practice and Remedies Code, claims involving a government entity carry a much tighter window, typically just six months to provide formal notice. It's a detail many plaintiffs miss, and one of the first things worth confirming with your attorney if a government vehicle, municipal property, or public agency was involved.
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 Texas 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 Texas?
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 Texas lawsuit funding?
Most plaintiffs with an active lawsuit filed in Texas and legal representation are eligible. Approval is based on your case, not your credit history.
Active Texas Lawsuit
You must have a personal injury or civil lawsuit filed in a Texas state or federal court.
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.
Under the 51% Fault Threshold
Because Texas bars recovery at 51% fault or more, strong liability evidence directly affects eligibility and funding amount.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
Filed on Time
Filed within Texas's two-year statute of limitations, or the six-month notice deadline if a government entity is involved.
Age 18 or Older
Applicants must be at least 18 years of age. Parents or guardians may apply on behalf of injured minors in some cases.
Call our team for a free, no-obligation eligibility review. We'll give you an honest answer in minutes.
What can you use Texas funding for?
There are no restrictions on how you use your pre-settlement funding. Houston, Dallas, San Antonio, and Austin plaintiffs alike use their advance for whatever pressing need matters most, medical bills, rent, or just staying current while a case moves through the Texas court system.
Texas 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 |
Why is Texas such an active state for lawsuit funding?
Texas has one of the largest and most active pre-settlement funding markets in the country, driven partly by sheer population size and partly by the state's relatively permissive legal stance toward litigation funding compared to other states.
Champerty and Maintenance: Why Texas Allows This Industry to Operate Freely
Historically, English common law treated champerty (funding someone else's lawsuit in exchange for a share of the proceeds) and maintenance (assisting litigation you have no personal stake in) as offenses, and many US states inherited restrictions rooted in those old doctrines. Texas is among the minority of states that have moved past those restrictions, explicitly permitting champerty and maintenance. The practical effect: Texas currently has no statute written specifically to regulate pre-settlement funding companies, which means choosing a transparent, reputable provider, one who shows you a clear written contract before you sign, matters more in Texas than in states with mandated disclosure rules.
The 51% Bar Rule and What It Means for Your Case
Texas follows modified comparative negligence, sometimes called proportionate responsibility under Texas law. If you're found 51% or more responsible for your own injury, you cannot recover any damages at all. Below that threshold, your award is reduced proportionally to your share of fault. This standard applies whether you're injured in a car accident, on someone else's property, or through a defective product, and it's one of the central factors any funding company weighs when evaluating a Texas case.
A Critical Deadline Difference: Government Defendants
Most Texas personal injury claims carry a standard two-year statute of limitations. But if your injury involved a government entity, a city vehicle, a public school, a county-owned property, Texas law typically requires formal notice of your claim within just six months of the incident. Missing this notice window can permanently bar an otherwise strong claim, which is why confirming whether a government entity was involved should be one of the first conversations you have with your attorney.
Hurt at Work in Texas? The Non-Subscriber Question
Texas is the only state where private employers can opt out of workers' compensation entirely. Pure workers' comp claims can't be advanced against, but if your employer is a non-subscriber, your injury claim proceeds as an ordinary negligence lawsuit, often with the employer's usual common-law defenses stripped away. These cases frequently qualify for funding. Not sure which kind you have? Ask your attorney, or call us, it's one of the first things we check.
Common Case Types Covered in Texas
Beyond standard personal injury, Texas pre-settlement funding commonly supports car accident claims, medical malpractice cases, third-party and non-subscriber work injury claims, and employment disputes, given Texas's large workforce and active litigation market.
Get a free funding assessment in minutes. No credit check, no obligation.
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At a Glance
What changes a car accident or slip-and-fall case’s value in Texas?
Texas cuts off recovery above 50 percent fault, gives you two years to file, and sets minimum auto limits higher than most states. 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 Texas car accident?
Proportionate responsibility. Damages are reduced by your percentage, and a claimant whose percentage of responsibility is greater than 50 percent recovers nothing (Civ. Prac. & Rem. Code § 33.001). 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.
Who pays, and how much insurance is there?
Texas is an at-fault state with no no-fault threshold. Minimum liability limits are $30,000 per person, $60,000 per accident and $25,000 property damage (Transp. Code § 601.072). Every auto policy must include personal injury protection unless the insured rejects it in writing, and insurers need not offer more than $2,500 per person (Ins. Code §§ 1952.152, 1952.153). The at-fault driver’s limits and any uninsured or underinsured motorist coverage on your own policy usually set the ceiling on what the case can pay.
How long do you have to file?
Two years from the day the cause of action accrues for personal injury, and two years from the date of death for wrongful death (Civ. Prac. & Rem. Code § 16.003). Claims against government entities carry shorter notice rules your attorney will confirm.
What about slip-and-falls and dog bites?
Texas has no slip-and-fall statute; the duty a property owner owes and the notice a plaintiff must show come from court decisions, so the evidence file, meaning video, inspection records and witnesses, carries a premises case. Civil liability for a dog bite is also case law rather than statute, so prior complaints or bites and the owner’s insurance are what we look for. The dog statute on the books, Health and Safety Code § 822.005, is a criminal provision.
Are there damage caps?
No general cap on compensatory damages in ordinary injury cases. The noneconomic cap in Civ. Prac. & Rem. Code § 74.301 applies only to health care liability claims, and the cap in Chapter 41 applies only to exemplary damages. A crash or fall case is valued on its evidence.
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.
Texas rules at a glance
Which cases does Diamondback fund in Texas, and what changes their value?
Texas writes its insurance minimums, filing deadlines and damage rules into statute, and each one changes what a case is worth and when an advance makes sense. Here is the rule that matters for each case type we fund in Texas, and what we look at with your attorney before sizing an advance.
How is a truck accident case different in Texas?
Bigger insurance, and the amounts are written down. A motor carrier registered with TxDMV must carry liability insurance in the amount TxDMV sets by rule (Transp. Code § 643.101), and the TxDMV table requires $500,000 for private or for-hire carriers over 26,000 pounds and $1 million or $5 million for hazardous materials (43 TAC § 218.16(a)). Interstate carriers answer to the federal floor of $750,000 for non-hazardous freight (49 CFR § 387.9). A commercial policy supports a larger advance than a personal auto policy on the same injury, so our review asks first for the carrier's name, its USDOT or TxDMV number and the crash report. Truck accident funding moves once your attorney confirms who insures the truck.
Does not wearing a helmet hurt a Texas motorcycle case?
It can, but it does not end it. Texas requires helmets, with an exception for riders 21 and older who have completed a motorcycle operator training course or carry health insurance that covers motorcycle injuries (Transp. Code § 661.003). The statute says nothing about civil cases, so the defense can argue a head injury would have been lighter with a helmet, and the jury weighs that under the 51 percent bar. A rider who was exempt, or whose injuries are to the legs, spine or arms, takes little or none of that hit. We read the crash report and the medical records together, and motorcycle accident funding is sized on the injuries the helmet argument cannot reach.
How much insurance is behind an Uber or Lyft crash in Texas?
It depends on the driver's app status at the moment of the crash. Logged on and waiting for a request, Texas requires at least $50,000 per person and $100,000 per crash for injury or death (Ins. Code § 1954.052). From the moment a ride is accepted until the passenger is dropped off, the policy must carry $1 million per incident, and if the driver's own policy has lapsed the company covers from the first dollar (Ins. Code §§ 1954.053, 1954.054). That gap is why our review asks your attorney for the trip record showing the driver's status. Passengers are always inside the $1 million window. Rideshare accident funding follows the coverage that applies.
Who has the right of way in a Texas pedestrian accident?
At a crosswalk without a signal, the driver must stop and yield to a pedestrian on the driver's half of the road or coming close enough from the other half to be in danger (Transp. Code § 552.003). The pedestrian has a duty too: no stepping off a curb into the path of a car so close that the driver cannot stop. Texas splits fault by percentage, so a pedestrian struck inside a crosswalk holds a strong position, while a mid-block crossing invites a comparative fault argument. We look for the police report, camera footage and the exact point of impact, because those decide the percentage. Pedestrian accident funding is sized on that split and the driver's limits.
Which construction accident cases in Texas can be funded?
The claim against someone other than your employer, or against an employer that opted out of workers' comp. If your employer carries workers' compensation, comp benefits are your only remedy against the employer and its crew (Lab. Code § 408.001), but a negligence claim against the general contractor, the property owner or an equipment maker stays open, and that is the fundable case. If the employer is a non-subscriber, you sue it directly, and it cannot argue your own carelessness, assumption of risk or a coworker's negligence (Lab. Code § 406.033). We ask who controlled the site and whether the employer carried comp. Construction accident funding can start once your attorney has identified the defendant.
What are the deadlines and caps in a Texas employment case?
A short deadline and capped damages. A discrimination or retaliation complaint under the Texas Labor Code must reach the Texas Workforce Commission within 180 days of the act, or 300 days for sexual harassment (Lab. Code § 21.202). Compensatory and punitive damages together are capped by employer size, from $50,000 for employers with fewer than 101 employees to $300,000 for employers with more than 500; back pay sits outside the cap (Lab. Code § 21.2585). Headcount and lost wages set the ceiling, so we ask for the charge filing date, the employer's size and your pay history. Employment case funding is strongest once the agency has issued its right-to-sue letter or the case is in court.
Who can bring a wrongful death claim in Texas, and who gets paid?
The surviving spouse, children and parents, and only them. The wrongful death claim exists for their exclusive benefit, any one of them may file for all, and if none has filed within three months the estate's executor or administrator must (Civ. Prac. & Rem. Code § 71.004). A separate survival claim carries the person's own injury claim, including pain before death, to the heirs and the estate (Civ. Prac. & Rem. Code § 71.021). Two claims on one set of facts is why these cases tend to be larger. We ask who the beneficiaries are and whether an estate has been opened. Wrongful death funding is sized on both claims together.
What makes a Texas medical malpractice case fundable?
A settlement offer or a settled case, most of all, because Texas front-loads the risk. Before suit, the claimant sends each provider 60 days' notice by certified mail (Civ. Prac. & Rem. Code § 74.051), and within 120 days after each defendant answers must serve an expert report or face dismissal with prejudice (Civ. Prac. & Rem. Code § 74.351). Noneconomic damages are capped at $250,000 per claimant against all doctors combined and $250,000 per hospital, $500,000 for all hospitals (Civ. Prac. & Rem. Code § 74.301); economic damages like future care and lost earnings are not capped. A case past the expert report with large economic losses is the strong file. Medical malpractice funding follows that milestone.
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.
Texas rules at a glance
Texas funding FAQs
Everything you need to know about Texas lawsuit loans before you apply.
Yes. Texas is one of relatively few states that allow champerty and maintenance, and even one of the few where an attorney could theoretically lend directly to a client, though most funding is handled by third-party companies like Diamondback Funding. Because no Texas statute specifically regulates funders, work with one that discloses complete terms in writing before you sign.
Texas follows modified comparative negligence. If you're found 51% or more at fault for your own injury, you cannot recover any damages. Below that threshold, your award is reduced proportionally to your percentage of fault.
Yes. While most Texas personal injury claims have a two-year statute of limitations, claims involving a government entity generally require formal notice within just six months of the incident. Missing this window can permanently bar an otherwise valid claim.
It depends on your employer. Pure workers' compensation claims can't be advanced against, but Texas uniquely allows employers to opt out of workers' comp, and injuries at these non-subscriber employers proceed as negligence lawsuits, which often do qualify. Your attorney can tell you which situation you're in, or call us and we'll help you figure it out.
Most Texas applications are approved and funded within 24 to 48 hours of receiving complete case documentation from your attorney. Calling us directly at (917) 267-8368 can also accelerate the process.
Yes. As your case progresses, supplemental funding may be available. Contact your dedicated case manager to discuss a funding review if your situation changes.
Most Texas personal injury claims must be filed within two years of the injury under Tex. Civ. Prac. & Rem. Code 16.003, and claims against government entities generally require formal notice within six months. Confirming your exact deadline should be one of the first conversations with your attorney.
Typically 10 to 20 percent of your case's estimated value, from $500 up to $500,000, depending on liability strength, documented damages, and available insurance coverage. Commercial defendants, common in Texas trucking and oilfield cases, often support the larger advances.
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, that is post-settlement funding: an advance against a settled but unpaid case, faster to approve and cheaper because the risk is gone. Answer Yes to "Has the case settled?" on the application.
Yes, if your share is 50 percent or less. Texas reduces your recovery by your percentage of responsibility and cuts it off entirely above 50 percent (Civ. Prac. & Rem. Code § 33.001). We review the crash report and witness evidence with your attorney, because near the line that evidence is the case.
$30,000 per person, $60,000 per accident and $25,000 property damage (Transp. Code § 601.072). Policies also include $2,500 of personal injury protection unless it was rejected in writing. Policy limits usually set the ceiling on a case and on the advance.
No. Texas is an at-fault state, so you claim against the driver who caused the crash without first meeting an injury threshold. Personal injury protection on your own policy pays early medical bills, and the at-fault driver’s liability limits pay the rest.
No. The noneconomic damages cap in Civ. Prac. & Rem. Code § 74.301 applies only to health care liability claims, and Chapter 41 caps only exemplary damages. An ordinary injury case is valued on its evidence and the available insurance.
Texas intrastate carriers over 26,000 pounds must carry at least $500,000 in liability coverage under TxDMV rule 43 TAC § 218.16, and hazardous materials haulers carry $1 million or $5 million. Interstate carriers meet the federal $750,000 floor in 49 CFR § 387.9. Those limits are why a truck case can support a larger advance than a car case with the same injuries.
Yes. Texas requires helmets with an exception for riders 21 and older who took a training course or carry health insurance (Transp. Code § 661.003), and no statute bars the defense from raising helmet non-use. It becomes a fault argument the jury weighs, so we size the advance on the injuries a helmet would not have prevented.
It depends on the driver's app status. Logged on and waiting: at least $50,000 per person and $100,000 per crash (Ins. Code § 1954.052). On the way to a pickup or carrying a passenger: $1 million per incident (Ins. Code § 1954.053). Your attorney gets the trip record, and the advance follows the coverage that was active.
No. Texas splits fault by percentage and bars recovery only above 50 percent. Drivers must yield to pedestrians in a crosswalk without a signal, and pedestrians may not step off a curb so close that the driver cannot stop (Transp. Code § 552.003). A mid-block crossing lowers the number; it rarely erases it. Send us the police report and we review it with your attorney.
Yes, on the third-party claim. Comp is your only remedy against your employer (Lab. Code § 408.001), but a negligence claim against the general contractor, property owner or equipment maker stays open, and that is the case we fund. If your employer opted out of comp, the claim against it is fundable too.
180 days from the discriminatory act to file with the Texas Workforce Commission, or 300 days for sexual harassment (Lab. Code § 21.202). Miss the state deadline and the commission must dismiss, so the charge filing date is the first thing our review confirms on an employment case.
A surviving spouse, child or parent, because the claim exists for their exclusive benefit (Civ. Prac. & Rem. Code § 71.004). The estate's survival claim under § 71.021 adds the person's own injury damages. We fund the family member who holds the claim, with your attorney's acknowledgment, and size it on both claims together.
No. The cap in Civ. Prac. & Rem. Code § 74.301 applies only to noneconomic damages; lost earnings and future medical care are uncapped and usually drive the value. The strongest applications have a settlement offer or a settled case, or at least an expert report served under § 74.351 and large economic losses.
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