Guide
When you’re waiting on a legal payout, you may come across two types of financial support: pre-settlement funding and post-settlement funding. While the terms sound similar, they apply to different stages of your case—and understanding the difference can help you choose the option that fits your situation best.
Both provide financial relief, but the timing, purpose, and risk structure differ. This article breaks down how each type works and how Instabridge helps plaintiffs at every step of the process.
What Is Pre-Settlement Funding?
Pre-settlement funding is a non-recourse cash advance provided while your lawsuit is still pending.
That means:
You receive money before your case settles.
The advance is based on your case’s expected value.
You only repay if your case wins or settles.
If your case is unsuccessful, you owe nothing.
Pre-settlement funding helps plaintiffs cover expenses like:
Medical bills and rehabilitation
Rent, mortgage, or utilities
Everyday living costs
Legal and transportation expenses
It provides stability during the long legal process, allowing you to focus on recovery while your attorney pursues the best outcome.
What Is Post-Settlement Funding?
Post-settlement funding occurs after your case has been resolved but before the settlement money has been disbursed.
Even once you’ve won, it can take weeks—or sometimes months—for funds to be released due to:
Administrative processing by the defendant or insurer
Court approval delays
Payment distribution through your attorney’s trust account
Post-settlement funding bridges this gap, giving you early access to your settlement money. Because the case is already settled, the approval process is even faster and carries minimal risk.
Key Differences at a Glance
Feature | Pre-Settlement Funding | Post-Settlement Funding |
|---|---|---|
Timing | During the lawsuit | After settlement but before payment |
Risk Level | Moderate (based on case outcome) | Very low (case already won) |
Repayment | Only if you win or settle | Guaranteed repayment from settlement funds |
Use Case | Cover living or medical expenses during litigation | Bridge short-term delay in receiving payment |
How Instabridge Supports Both Options
At Instabridge, we provide both pre- and post-settlement funding options designed to protect plaintiffs and simplify the process. Our advantages include:
Fast approvals—funds available within 24–48 hours
Transparent terms—no hidden fees or compounding interest
Non-recourse protection on all pre-settlement advances
Attorney collaboration to ensure smooth repayment from your final settlement
Whether your case is ongoing or already settled, we’re here to help you access the funds you need—safely and quickly.
Conclusion: Funding for Every Stage of Your Case
Both pre- and post-settlement funding provide essential financial relief when you need it most. The key difference is timing—pre-settlement supports you during your case, while post-settlement bridges the gap after you’ve already won.
With Instabridge, you can count on a trusted partner that offers clear, fair, and compassionate funding at every stage of your legal journey.
If you’re waiting on a settlement—or still fighting for one—contact Instabridge today to find out which option is right for you.
