When you’re in the middle of a personal injury or civil lawsuit, time matters—especially when you’re facing mounting bills, medical expenses, or lost income. Pre-settlement funding offers fast financial relief, but many plaintiffs wonder just how quickly they can expect to receive support once they apply.

This article breaks down the full timeline from initial application to funding, explains what influences approval speed, and outlines how Instabridge delivers fast, reliable support when you need it most.

Step 1: Submitting Your Application

The process begins with a simple application, which can usually be completed online or over the phone. Most applications require:

• Basic personal information

• Contact details for your attorney or law firm

• A brief overview of your case (type of case, injury sustained, estimated damages)

This step typically takes less than 10 minutes and does not require credit checks, employment history, or financial documentation.

What You Don’t Need:

• No proof of income

• No collateral

• No upfront fees

This makes pre-settlement funding accessible to almost all plaintiffs with active cases.

Step 2: Attorney Cooperation and Case Evaluation

Once your application is received, the funding company contacts your attorney to collect relevant case documents. This includes:

• A copy of the complaint or filed lawsuit

• Case status and timeline

• Insurance information and potential damages

• Medical reports or evidence of injury

The faster your attorney responds, the faster the case can be evaluated. In most cases, this stage takes between 24 to 48 hours.

At Instabridge, we work directly with your attorney to streamline communication, avoid delays, and ensure your case is reviewed quickly and thoroughly.

Step 3: Underwriting and Approval

After receiving case documentation, the underwriting team evaluates the strength and value of your case. They look at factors like:

• Clear liability (i.e., is fault established?)

• Severity of injuries

• Estimated settlement or judgment value

• History and reputation of your legal team

Unlike traditional loans, your credit score or income doesn’t affect approval. Instead, decisions are based entirely on the merits of your case.

If your case meets the criteria, approval typically happens within one business day.

Step 4: Receiving Your Funds

Once approved, the final step is funding. With Instabridge, this is often completed within 24 hours of approval. You’ll receive your money via:

• Bank transfer (ACH or wire)

• Overnight check (in special cases)

You can use the funds immediately for any purpose—medical bills, rent, groceries, childcare, transportation, or other urgent expenses.

There are no restrictions on how you use your advance, giving you full financial flexibility while your lawsuit progresses.

What Can Delay the Process?

While pre-settlement funding is designed to be fast, a few common issues can cause delays:

• Slow response from legal counsel: Attorneys may be busy or unfamiliar with the funding process.

• Incomplete or missing case documentation: This can slow down underwriting.

• Ongoing case changes: If your case is in flux or new information is pending, funding decisions may be postponed until clarity is reached.

To avoid delays, it's helpful to notify your attorney ahead of time and ensure they are prepared to respond promptly to information requests.

How Instabridge Ensures Fast, Hassle-Free Funding

At Instabridge, we understand the urgency plaintiffs face while awaiting settlements. That’s why we prioritize:

• Direct communication with attorneys to minimize back-and-forth

• Streamlined internal underwriting for faster approvals

• Same-day disbursements upon approval, when possible

• Clear expectations and no hidden steps in the process

We treat your situation with urgency, professionalism, and respect—ensuring you receive the funds you need without delay or added stress.

Fast Relief When You Need It Most

When legal cases stretch on for months or years, pre-settlement funding can make the difference between surviving the wait and settling too soon. Instabridge’s fast, transparent process ensures that qualified plaintiffs can access the financial support they need—quickly and confidently.

If you’re struggling financially while waiting for your lawsuit to resolve, contact Instabridge today. Our team is ready to help you get funded—so you can move forward with security, stability, and peace of mind.