If you were seriously hurt due to another party’s negligence and have filed a lawsuit, it can take a while for your settlement money to become available. If your case heads to trial, the wait is even longer. Meanwhile, you have bills to pay and little money coming in due to your injury.
While you wait for your lawsuit to resolve, Arizona pre-settlement funding can tide you over.
While pre-settlement funding is often referred to as a lawsuit loan, that is an inaccurate description. These funds are not loans. They are disbursements of money in anticipation of a future settlement.
Pre-settlement funding is similar to a cash advance.
How Pre-Settlement Funding in Arizona Works

Pre-settlement funding in Arizona is non-recourse. The lender takes a risk that you will receive a substantial settlement or award. If that does not happen, you do not have to pay your pre-settlement funding back. Otherwise, you pay back the funds once compensation is received.
Many people can no longer work due to their injuries and may think of obtaining a bank loan. Unlike a loan, pre-settlement funding requires no credit check or income verification. There is no effect on your credit score with pre-settlement funding, even if your funding is not approved.
There are also no restrictions on how you spend your pre-settlement funding in Arizona. While most applicants use the money to pay for living expenses or decrease their debt load, you can spend the funds on anything you want.
Start With 3 Easy Steps
The process of obtaining pre-settlement funding in Arizona doesn’t have to be a stressful and time consuming. Start by taking these three simple steps:
Talk With a Reputable Funding Company
Choosing the right pre-settlement funding company is crucial. Look for a provider with experience, transparency, and fair terms. A reputable company like Mustang Funding will explain the process, answer your questions, and help you determine if funding is the right option for your situation.
Work With Your Attorney
Your attorney plays a key role in the pre-settlement funding process. They will need to provide case documentation and communicate with the funding company on your behalf. When your case concludes, your lawyer will facilitate the process of distributing money to the appropriate parties (including you and your funding company). Ensuring your attorney is on board and responsive will help streamline the process and increase your chances of approval.
Receive Your Funding
Once your application is approved, we will make it our priority to get you your money as quickly as possible. Our team works efficiently to process payments, often within just a few days. We understand the urgency of your financial needs and are committed to fast, hassle-free funding.
Advantages of Pre-Settlement Funding in Arizona
Why are plaintiffs in Phoenix, Tucson and throughout Arizona turning to pre-settlement funding? Some of the key advantages include:
- Fast financial relief: Bills can pile up fast while you’re waiting for a personal injury claim to wind its way through the legal system. Pre-settlement funding gives you money to pay for rent, gas, food and other expenses—often in a matter of days.
- Less urgency: If there is one state of mind you don’t want to be in as a personal injury plaintiff—it’s in a hurry. The insurance company would like you to be in a hurry, of course, so you will be desperate to accept a “lowball” settlement offer. Pre-settlement funding takes away that urgency, giving you time and placing the “hurry” on the defendant’s side of the claim.
- A stronger case: In some cases, this reduced urgency can actually result in a personal injury claim gaining strength. With less urgency on your part, your attorney will have more time to gather evidence while negotiating from a stronger position.
- No risk: One of the strongest benefits of pre-settlement funding in Arizona is that you only have to pay it back if you win your case. If the unexpected should occur, and your case results in no compensation at all, the pre-settlement funding you received is still yours to keep.
Pre-settlement funding isn’t the right option for every plaintiff in Arizona, but for many, it has provided fast financial relief and other benefits in a matter of days—with no hassle.
Arizona Pre-Settlement Funding Laws
Arizona has no laws specifically relating to pre-settlement funding.
To qualify for Arizona pre-settlement funding, you must have filed a personal injury lawsuit. You must be represented by an attorney, and your attorney must agree to participate in the process and provide certain information to the lender.
The lender reviews your case and evaluates its strengths. They also estimate how much money you are likely to receive in a settlement or verdict. Based on this determination, they decide whether to approve your pre-settlement funding in Arizona.
Personal Injury Pre-Settlement Funding in Arizona
Statute of Limitations
In Arizona, the statute of limitations for filing a personal injury lawsuit is usually two years from the accident date. If a government agency is involved, the statute of limitations is much shorter, at just 180 days. If you do not file a lawsuit within this timeframe, your case generally cannot go forward.
Comparative Negligence
Arizona is a comparative negligence state when it comes to personal injury lawsuits. That means a person may recover compensation even if they are partly at fault for the incident resulting in their injury. In theory, a person may recover damages even if they are 99 percent at fault for their injury.
However, their compensation is reduced by their percentage of fault. If a jury decides you were 20 percent at fault for your accident, a $100,000 award is reduced to $80,000.
Types of Eligible Cases
No matter what type of personal injury case you are a plaintiff in, you are likely eligible to receive pre-settlement funding. Eligible case types include claims arising from:
- Truck accidents
- Motorcycle crashes
- Pedestrian accidents
- Bicycle accidents
- Premises liability claims (slip and fall, negligent security)
- Medical malpractice (surgical errors, medication errors, birth injuries)
Even a non-personal injury claim may be eligible, such as an employment law claim arising from harassment or discrimination. If you are not sure whether your case type makes you eligible for pre-settlement funding in Arizona, we’ll be happy to review your situation and let you know.
Contact Us
For more information about pre-settlement funding in Arizona, contact Mustang Funding today. We serve Phoenix, Tucson, Mesa, Flagstaff, Scottsdale, Tempe, and other areas of the state.