Post-Settlement Funding For Litigation & Lawsuits

Even after a case is successfully settled, the wait for actual payment can stretch on for weeks or even months. If you or your client are counting on that money to manage bills, run a practice, or invest in new opportunities, that delay can cause serious strain. Post-settlement funding helps bridge that gap by turning your pending payout into fast, accessible capital.

This type of financing lets you unlock a portion of the settlement value upfront, without sacrificing control or giving up a large share of the recovery. It’s a practical way to gain financial stability while you wait for the official distribution process to play out. Whether you're covering case costs, expanding your caseload, or simply avoiding a high-interest loan, post-settlement funding gives you options without the uncertainty.

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How does Post Settlement Funding work?

Post settlement funding allows the plaintiff to access a portion of the settlement money before the payment is received from the defendant. Funding companies provide the funds and can recover them from the settlement proceeds later. In other words, the plaintiff gets the cash they need, when they need it most.

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The Benefits of Post Settlement Funding

When there’s a long wait between finalizing a case and receiving payment, post-settlement funding steps in to provide immediate financial relief. It allows you to move forward confidently without putting your business or client under pressure.

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Immediate Financial Relief Provided

This funding gives you fast access to cash right when you need it. Whether you're paying firm expenses, covering urgent client needs, or seizing a time-sensitive opportunity, post-settlement capital can keep everything moving without delay.

Non-Recourse Payment Structure

You don’t repay the advance unless the settlement funds are actually received. If something goes wrong, like a delay in distribution or an unexpected reduction, you’re not on the hook personally. That makes this a lower-risk option for attorneys and clients alike.

Settlement Awaiting Protection

Instead of feeling stuck in limbo while waiting for payment, post-settlement funding allows you to breathe easy. It prevents you from making hasty financial decisions, like accepting poor settlement terms or turning to high-interest lenders just to cover short-term expenses.

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The Downside of Post Settlement Funding

While post-settlement funding offers fast access to capital, it’s not the right solution for every situation. Like any financial tool, it comes with trade-offs that you should carefully consider before moving forward.

High Interest Rate Structure

Post-settlement funding typically comes with higher interest rates than traditional bank loans. That’s because it’s non-recourse and based on future proceeds, which makes it riskier for the funder. While the flexibility is valuable, it’s important to factor in the cost of borrowing when evaluating your net recovery.

Elevated Fee Risk Premiums

Because funders take on the risk of delayed or reduced settlement payouts, many include additional fees to cover underwriting, monitoring, and administrative costs. These premiums can add up, so make sure you understand the full financial picture before signing.

Careful Cost-Benefit Analysis

You’ll want to weigh the immediate benefits of capital access against how much of your final recovery you’ll retain after fees. Consider the expected distribution timeline, any alternative financing options, and the urgency of your financial needs. A well-timed advance can be worth it, but it’s smart to model the numbers first.

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How to Choose a Post-Settlement Financing Company

Not all funders offer the same terms, service, or transparency. Choosing the right post-settlement funding partner can make a big difference in your experience and your outcome.

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Clear Contract Terms

Look for a company that spells everything out. You should know exactly how much you’ll receive, what fees apply, how repayment works, and what happens in case of delays. Avoid vague language or hidden clauses that could come back to bite you.

Competitive Rate Structure

It pays to shop around. Compare multiple offers and look beyond the headline rate. Origination fees, admin charges, and compounding interest can all impact your total repayment. A seemingly “low” rate can end up costing more if the structure is unclear.

Established Industry Reputation

Work with funders who have a track record of success. Look for client testimonials, legal industry recognition, or membership in professional organizations. Reputation matters, especially when it comes to trusting someone with your settlement proceeds.

Responsive Customer Service

You want a partner who’s easy to reach and quick to respond. Whether you need status updates, clarification, or help with documents, strong communication makes the process smoother. Good service also signals a funder’s commitment to your success.

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What Documentation Is Required for Post-Settlement Funding Applications?

To move quickly, funders need a clear view of your settlement. That means providing documentation that proves the case has been resolved, shows how the funds will be distributed, and confirms that your portion of the proceeds is secure.

You’ll typically need to submit:

• Executed settlement agreement
• Court approval (if required)
• Signed release forms
• Settlement distribution procedures
• Assignment authorizations

Additional materials may include:

• Attorney certifications or attestations
• Lien disclosures
• Plaintiff payout schedules
• Identification and payment instructions

Submitting accurate and well-organized documentation speeds up the underwriting process and helps ensure you get the best possible terms. It also demonstrates your professionalism, which funders value when deciding how much to advance and how quickly.

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How Can REMO Help You With Post-Settlement Funding?

‍At REMO, we understand how frustrating it can be to wait for settlement funds when you’ve already done the hard work. That’s why we make it easy to access post-settlement financing that’s fast, flexible, and tailored to your situation.

We act as a strategic intermediary, connecting attorneys and plaintiffs with reputable funding sources that offer fair, transparent terms. Whether you're managing firm cash flow or helping a client who can’t afford to wait, we match you with the right solution, quickly and efficiently.

With deep industry experience, strong funder relationships, and a streamlined process, REMO ensures that you don’t just get funding; you get the right funding for your case. Our goal is to help you stay financially stable and focused while you wait for what’s already been won.

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