How Much Pre-Settlement Funding Can I Get?

One of the first questions people ask when they learn about pre-settlement funding is: how much money can I actually get? It’s a fair question, and the answer depends on several factors specific to your case. Here’s what you need to know.

The General Range

At Iron Oak Funding, we typically advance 10–20% of the expected settlement value of your case. So if your attorney believes your case is likely to settle for $100,000, you might be eligible for $10,000 to $20,000 in pre-settlement funding.

That said, every case is different. Some clients receive a few thousand dollars to cover immediate expenses, while others receive significantly more depending on the size and strength of their claim. We review each application individually and work to get you as close to your requested amount as possible.

What Factors Determine Your Funding Amount?

Several things affect how much you may be eligible to receive:

The Expected Settlement Value

This is the biggest factor. Your attorney’s assessment of what the case is likely to settle for sets the ceiling on how much funding you can receive. We coordinate with your legal team to understand the projected value based on the severity of your injuries, medical expenses, lost wages, and the strength of liability.

The Strength of Your Case

Pre-settlement funding is based on the likelihood of a successful outcome. Cases with clear liability — where it’s obvious the other party was at fault — tend to qualify for higher amounts. Cases where fault is disputed or unclear may receive more conservative funding.

The Type of Case

Different types of personal injury cases carry different average settlement values. A severe car accident with permanent injuries will typically have a higher expected settlement than a minor slip-and-fall. Medical malpractice, wrongful death, and mass tort cases often involve larger settlements, which can mean higher funding amounts.

Where Your Case Stands

Cases that are further along in the litigation process — where medical treatment is complete, liability has been established, and settlement negotiations have begun — generally qualify for higher funding amounts. Early-stage cases may still qualify, but the amount may be more conservative because there’s more uncertainty about the final outcome.

Existing Liens and Prior Funding

If you have existing medical liens, prior funding from another company, or other obligations that will be paid from your settlement, those reduce the amount of net proceeds available. This can affect how Why Don’t Funding Companies Advance the Full Settlement Amount?

Pre-settlement funding is non-recourse, meaning if you lose your case, you owe nothing. That’s a real risk for the funding company. By advancing a percentage of the expected settlement rather than the full amount, the funding company manages that risk while still putting meaningful cash in your hands. It also ensures that when your case does settle, there’s still a substantial portion left for you after repayment and attorney fees.

Can I Request a Specific Amount?

Absolutely. When you fill out our application, you’ll be asked how much funding you’re looking for. We always try to meet your requested amount. In some cases, we may be able to provide exactly what you asked for. In others, we may suggest an adjusted amount based on our review of the case. Either way, there’s no pressure — you’re never obligated to accept a funding offer.

Can I Apply for More Funding Later?

Yes. If your case is still ongoing and your financial needs have changed, you may be eligible for additional funding. We’ll conduct another review of your case to determine whether a second advance makes sense based on the updated case status and expected settlement value.

The Bottom Line

Most plaintiffs who qualify for pre-settlement funding receive between 10% and 20% of their expected settlement value. The exact amount depends on case strength, case type, settlement projections, and where your case is in the litigation process. The best way to find out how much you can get is to apply — it’s free, takes 5 minutes, and there’s no obligation.