When applying for pre-settlement funding, plaintiffs often wonder: What if my case settles for less than anticipated? Will I still owe the full amount of the advance?

It’s a valid concern—and the answer depends on the type of funding agreement you choose. With non-recourse pre-settlement funding, like the kind offered by Instabridge, your repayment is tied directly to your settlement amount. If your case settles for less than expected, your repayment is adjusted accordingly.

This article explains how it works, why non-recourse protection matters, and how Instabridge ensures fairness in every case.

Understanding Non-Recourse Funding

Unlike traditional loans, pre-settlement funding is non-recourse. That means:

• Repayment comes only from your settlement proceeds

• You do not owe money out of pocket if your case is unsuccessful

• If your settlement is smaller than projected, repayment is limited to a fair portion of your award

This structure protects plaintiffs from financial risk, even when cases don’t resolve as expected.

Example: Case Settles for Less

Imagine you received a $10,000 advance while your case was pending. Your attorney expected a $100,000 settlement, but the final amount was only $50,000 after negotiations.

With non-recourse funding:

• Repayment would be capped at a fair percentage of your actual settlement

• You would never owe more than the amount your settlement can support

• You still walk away with money in your pocket, even after repayment and legal fees

Why Settlement Projections Change

Settlement values can shift during litigation due to:

• Disputed liability or shared fault findings

• Unexpected medical outcomes or reduced damages

• Jury decisions or arbitration limits

• Aggressive defense strategies by insurers

Because of these uncertainties, non-recourse protection is essential for plaintiffs.

How Instabridge Protects Plaintiffs

At Instabridge, we prioritize fairness and transparency:

• Non-recourse only—you never owe out of pocket

• Fair repayment—adjusted to reflect your actual settlement

• Transparent terms—clear repayment scenarios explained before signing

• Attorney collaboration—we work directly with your lawyer to ensure smooth repayment

Conclusion: No Risk, Even If the Settlement Changes

Lawsuits are unpredictable, but your financial stability doesn’t have to be. With pre-settlement funding from Instabridge, repayment is always tied to your settlement—protecting you if your case settles for less than expected.

If you’re considering funding but worried about settlement outcomes, contact Instabridge today. We’ll explain exactly how repayment works and ensure you’re fully protected.