Guide
If your lawsuit is taking longer than expected or your financial situation has changed, you might be wondering: can I get more pre-settlement funding? The answer is yes—in many cases, you can request a repeat advance or additional funding after your initial pre-settlement advance has been approved and received.
Here’s what you need to know about how repeat advances work, when they make sense, and how to request them responsibly.
What Is a Repeat Advance?
A repeat advance is an additional cash advance provided by your pre-settlement funding company based on the updated status and value of your legal case. Like the original advance, it is non-recourse, meaning you only repay it if you win or settle your case.
Why Request More Funding?
Your case is taking longer than expected
You’ve run out of funds from the initial advance
New or unexpected expenses have arisen (e.g., medical bills, rent, childcare)
How to Qualify for Additional Pre-Settlement Funding
Approval for repeat funding depends on several factors:
1. Your Case Progress
Funding companies will want to know how far along your case is. Updates from your attorney—such as settlement offers, discovery milestones, or approaching mediation—can influence eligibility.
2. Remaining Case Value
There must be enough projected value in your potential settlement to support a second advance. If too much of your expected recovery has already been allocated to the first advance (plus interest and fees), a repeat advance may be denied or limited.
3. Your Attorney’s Involvement
Your attorney must be willing to cooperate again with the funding provider by supplying updated case documents and confirming the viability of the case.
The Process of Requesting More Funding
If you believe you need additional support, here’s how to get started:
Contact Your Funding Provider: Reach out and let them know you're interested in a second advance.
Case Review: The provider will speak with your attorney to reassess the case’s current status and estimated value.
Approval: If approved, you’ll receive a new funding offer outlining the amount and terms.
Disbursement: Once signed, the funds are typically sent within 24–48 hours.
Tip: Some providers may even offer quicker approval for repeat clients.
What to Watch Out For
While a second advance can be helpful, it’s important to proceed with caution:
Increased Repayment: Every new advance adds to your total repayment obligation, reducing your share of the final settlement.
Interest Accumulation: If interest is compounding, borrowing more could significantly increase your debt.
Case Value Limits: There’s only so much value in your claim—funding companies won’t over-advance beyond what’s realistically recoverable.
Tip: Look for providers that use capped fees and simple interest to keep repayment manageable.
Should You Take a Second Advance?
Consider a repeat advance if:
You’re facing urgent or unexpected expenses
Your attorney believes your case is progressing well
You’re confident the final settlement will support additional funding
Avoid additional funding if:
Your expenses are not essential
You already have multiple advances or high repayment obligations
Your attorney advises against it
Final Thoughts
Yes, you can usually get more pre-settlement funding later in your case—but it should be done strategically. A repeat advance can provide vital support, but always weigh the costs against your expected settlement and current needs.
Before moving forward, talk to your attorney and choose a reputable funding provider that offers transparent terms and fair rates.
Need More Funding While Your Case Continues?
We’re here to help. Contact us today to learn about your eligibility for a repeat advance and get the financial support you need with no risk and no upfront costs.
