Non-recourse advances of $500 to $25,000 for injury victims with active personal-injury cases. We underwrite based on case strength and projected settlement, never credit. If you lose your case, you owe nothing.
Pre-settlement funding is our core product. It exists for a specific problem: personal-injury cases take 12–36 months to settle, but medical bills, rent, and lost income don't wait. Traditional lenders won't touch a pending lawsuit because there's no reliable repayment source. We can — because we're not a traditional lender. An Instabridge advance is a non-recourse purchase of a small interest in your future settlement. If the case loses, we absorb the loss. If it wins, we're repaid from the settlement proceeds. Your credit score, employment status, and financial history do not enter the underwriting decision.
Apply online in 5 minutes. We contact your attorney within one business day for the case file (crash report, medicals, complaint or demand letter, short case memo). Underwriting takes 2–24 hours depending on case complexity. Approved plaintiffs are wired the same or next business day. Ohio contracts include a full multi-year cost schedule so you see every fee tier before signing.
Legally, no. Ohio courts treat it as a non-recourse purchase of an interest in your case, not a loan. Practically, that distinction matters — traditional loan rules (usury caps, mandatory credit reporting, personal guarantees) don't apply. We only get repaid if you win.
Pre-settlement is what we do — an advance before the case resolves, non-recourse, sized to a fraction of the projected settlement. Post-settlement funding is a different product: an advance after the settlement is agreed to but before the check clears, typically much cheaper because the risk is nearly zero. We can help with either; the pre-settlement product carries more risk and therefore more cost.
Yes. Once funds are wired, they're yours to use — rent, mortgage, groceries, medical copays, car repairs, kids' activities. There are no restrictions on how you spend the advance. Most Ohio plaintiffs use funding for essentials while the case works through discovery.
At settlement, your attorney sends a payoff request to us. We issue a payoff statement showing the exact amount due based on the funding date and settlement date. Your attorney satisfies our lien from the settlement proceeds and distributes the balance to you. You never write a check to us — everything flows through the settlement.
Because we cap advances at 8–15% of the CONSERVATIVE projected settlement (not the optimistic one), there is significant buffer. If your case still settles for less than the advance amount, you owe only what the settlement can cover — never a dollar more. That's what non-recourse means.