Pre-Settlement Funding in Philadelphia: Everything You Need to Know
If you have been injured in an accident in Philadelphia and your case is pending, pre-settlement funding gives you funds now to cover your bills while you wait for a fair settlement. You apply, we coordinate with your attorney, and if approved, you can receive funds in as little as 24 hours. If you do not win your case, you owe us nothing.
My name is Wm. Norris Jordan, and I own Go Philly Funding, based in downtown Philadelphia. I started this company because I watched too many injured people be forced into settlement deals simply because they could not afford to wait. This guide will help you better understand pre-settlement funding: what it is, how it works, who qualifies, and what to expect from start to finish.
In this guide:
- What is pre-settlement funding?
- How does pre-settlement funding work?
- Who qualifies for pre-settlement funding in Philadelphia?
- What types of cases qualify?
- How much funding can you receive?
- What does non-recourse mean?
- How fast can you get funded?
- How is this different from a loan?
- What about your attorney?
- Frequently asked questions
What Is Pre-Settlement Funding?
Pre-settlement funding is a cash advance against your pending personal injury settlement. Instead of waiting months or years for your case to resolve while your bills pile up, you receive funds now to cover rent, utilities, car payments, groceries, and other daily expenses.
The funding is repaid from your settlement proceeds after you win your case. The most important part: if your case does not result in a recovery, you owe nothing back. The term for this is non-recourse funding.
This is not a bank loan. There is no credit check, no income verification, and no monthly payment schedule. Approval is based on the strength of your case, not your financial history.
How Does Pre-Settlement Funding Work?
The process at Go Philly Funding is straightforward. There are three steps:
Step 1: You apply. Fill out a simple application at gophillyfunding.com. It takes only a few minutes. There are no upfront costs or fees to apply.
Step 2: We coordinate with your attorney. We contact your lawyer directly to review the details of your case. This is a professional conversation between our team and your legal counsel. We review case strength, liability, and expected timeline.
Step 3: You receive your funds. If your case is approved, we can wire funds to you in as little as 24 hours. If needed, we can also FedEx a cashier's check.
Repayment only comes out of your settlement proceeds after your case resolves successfully. There is no repayment if you do not win.
Who Qualifies for Pre-Settlement Funding in Philadelphia?
To qualify for pre-settlement funding through Go Philly Funding, you need three things:
- A pending case. Your case must be currently active (i.e., it has not settled).
- An attorney representing you. You need a lawyer handling your case on a pay-when-you-win basis, meaning your attorney's fee comes from the settlement.
- A case with sufficient strength. We evaluate the merits of your claim, not your credit score or employment status.
We serve injured plaintiffs throughout Greater Philadelphia, including the city itself and the surrounding counties: Delaware County (Delco), Bucks County, Montgomery County, and Chester County. We also serve clients in South Jersey, including Camden, Gloucester, Burlington, and Mercer counties.
Your credit score does not matter. Your employment status does not matter. Whether you have had previous funding from another company does not matter (though we will ask about it, because it helps us understand your full situation).
What Types of Cases Qualify for Pre-Settlement Funding?
Go Philly Funding provides pre-settlement advances for a wide range of personal injury cases in the Philadelphia area:
- Auto accidents (car, truck, rideshare)
- Motorcycle accidents
- Slip and fall accidents
- Construction accidents
- Work-related injuries (on-the-job accidents)
- Wrongful death cases
- Product liability cases
- Premises liability cases
- Medical malpractice cases
If you are not sure whether your case qualifies, apply anyway. We will review it and give you an honest answer. If your case does not qualify, we will tell you directly and respectfully.
How Much Funding Can You Receive?
The amount depends on the specifics of your case. There is no fixed amount or one-size-fits-all number. We work with your attorney to review the details of your claim and determine a funding amount that makes sense for your situation.
The goal is to give you enough breathing room to cover your essential expenses while your case moves forward. We are not trying to maximize the amount you take. Taking more than you need means owing more from your settlement later. We want every client to understand exactly what they owe, exactly when, and exactly how repayment works. Every contract includes what we call the SOAP, the Schedule of Agreed Upon Price, which clearly shows what you owe and when. No surprises.
We clearly communicate with our clients and always enjoy your questions.
What Does Non-Recourse Mean, and Why Does It Matter?
Non-recourse means you are not personally responsible for repaying the advance if your case does not win. This is the single most important feature of pre-settlement funding, and is what separates it from other financial options available to you.
Here is how it works in plain terms:
- If your case wins or settles: The funding amount plus the agreed-upon interest is repaid from your settlement proceeds.
- If your case loses: You owe nothing. You have no personal obligation to repay Go Philly Funding from your own assets or income if you lose your case. The company absorbs the loss.
This is why pre-settlement funding is not a loan. A loan requires repayment no matter what happens. With non-recourse funding, the risk is on us, not on you.
At Go Philly Funding, we take that risk because we believe in the cases we fund. When we review your case with your attorney and decide to provide funding, we are betting on the same outcome you are: a successful resolution. Our interests and your interests are aligned.
How Fast Can You Get Funded?
Speed matters when you are behind on rent or staring at a shutoff notice. At Go Philly Funding, once we receive the necessary information from you and your attorney, approval can happen in as little as a few hours. If approved, funding can be available in as little as 24 hours. We work quickly and prudently to get your funding to you.
The timeline depends on your attorney providing the case information we request. Most attorneys in the Philadelphia area are familiar with the process and can respond in a timely manner. We handle the coordination so you do not have to chase paperwork.
How Is Pre-Settlement Funding Different from a Loan?
People sometimes call this a "lawsuit loan," but that term is not accurate. Here is the difference:
A loan requires repayment regardless of what happens. If you take out a bank loan or a payday loan and your case loses, you still owe the money. Your credit is on the line. You may face collections, wage garnishment, or worse.
Pre-settlement funding is repaid only if you win. No credit check. No monthly payments. No personal liability if the case does not succeed.
This is also fundamentally different from a payday loan. Payday loans have immediate due dates, create cycles of debt, and charge fees regardless of your case outcome. Pre-settlement funding is structured around your case timeline, not a two-week repayment window.
Will Pre-Settlement Funding Affect Your Attorney or Your Case?
No. Pre-settlement funding does not interfere with your legal case. We work directly with your attorney, and the coordination is professional and transparent. Your lawyer remains fully in charge of your legal strategy.
Many attorneys in Philadelphia and the surrounding counties are familiar with pre-settlement funding and understand how it helps their clients. Some attorneys even appreciate it because it gives their clients the financial stability to hold out for a fair settlement instead of being pressured into accepting a lowball offer from the insurance company.
If your attorney has questions about the process, we are happy to walk them through it. We have strong relationships with personal injury law firms across the Philadelphia region, and we treat every attorney interaction with the same professionalism and respect we bring to every client interaction.
Why a Philadelphia-Based Funder Matters
Most pre-settlement funding companies advertising in Philadelphia are actually national companies with a local phone number. They do not know the Philadelphia court system. They do not know the local attorneys. They are not here.
Go Philly Funding is based in downtown Philadelphia. We have spent our careers here. This company exists because we wanted to build a company rooted in this city, built on real relationships with local attorneys and real knowledge of how cases move through the Philadelphia Court of Common Pleas, the surrounding county courts, and the South Jersey court system.
When you work with a local funder, you get someone who understands the pace and patterns of your local courts. You get someone who can pick up the phone and talk to your attorney as a colleague, not a stranger. And you get someone who is invested in the Philadelphia community, not just the Philadelphia market.
Frequently Asked Questions
Do I need good credit to qualify?
No. Credit scores are not part of our review. Approval is based entirely on the strength of your personal injury case.
What if my case is delayed?
If your case takes longer than expected, there is no immediate repayment obligation. Our funding is designed to support you for as long as your case takes. If needed, you may be eligible for additional funding based on case progress.
Can I apply if I already received funding from another company?
Yes. We will ask about any previous funding because it is paramount to know the full extent of your financial picture. Having prior funding does not automatically disqualify you. That being said, unlike other funding companies, Go Philly Funding has a firm internal rule that states that if we decide to fund you more money, we must pay off the previous funding company so that at the conclusion of the case, there are no conflicts.
Does the defense find out I received funding?
Pre-settlement funding is a private financial arrangement. We work directly with your attorney and the details of your funding are not disclosed to the opposing side.
How do I apply?
Visit gophillyfunding.com and click "Apply for Funding." The application takes only a few minutes. There are no upfront costs or fees. Once submitted, we take it from there.
Next Steps
If you are dealing with financial pressure while your personal injury case is pending, pre-settlement funding can give you the breathing room to focus on healing and hold out for a fair settlement. You do not have to accept a lowball offer because the bills are piling up.
At Go Philly Funding, we treat every client with dignity and respect. We want you to understand every detail of how this works before you make a decision. If you're dealing with financial pressure while your case is pending, apply for funding at gophillyfunding.com/apply. No credit checks. No upfront fees. Funds in as little as 24 hours.