Most claimants are approved for 10% to 20% of expected case value. Here's how that calculation works in practice.
AARC underwrites each case to determine its likely settlement range, then offers an advance equal to a conservative percentage of that range. This keeps you from over-borrowing against your future settlement.
On a case with an expected $50,000 settlement, that typically means advances in the $5,000 to $10,000 range. Larger cases support proportionally larger advances.
You can also return for additional advances later if your initial request didn't cover everything. Many claimants take a small first advance and a second one closer to settlement.
We never advance more than the case can comfortably support. That protects you from owing more than the settlement pays out.
The underwriting formula
Underwriters estimate a conservative settlement range for your case based on liability, damages, and coverage. The initial advance is typically capped at 10 to 20 percent of that conservative estimate.
Capping the advance at a fraction of the expected recovery is a borrower-protection measure. It ensures the eventual repayment, plus any future advances, will not consume your entire settlement.
Why the cap protects you
Over-advancing leaves a claimant with little or no net recovery at settlement. Responsible funders refuse to do that, no matter how much the claimant asks for.
If AARC declines to advance the full amount you request, that is usually a sign the responsible offer is smaller — not that the case is worse than you think.
Coming back for additional advances
You can always apply for additional funding later if your situation changes. Many claimants take two or three advances over the life of a case.
Starting small keeps total costs lower. Borrow only what you need now, and come back if you need more.
Larger cases support larger advances
Catastrophic injury cases, wrongful death, and high-value trucking cases routinely support six-figure advances when the underlying recovery is well documented.
There is no fixed maximum — every case is underwritten on its own facts.
Talk to AARC before you make a financial move you'll regret
Every situation is different, and the right answer depends on the specifics of your case, your timeline, and what you need the money for. The single best thing you can do is have a short, no-pressure conversation with someone who funds these cases every day.
Call AARC at (800) 297-3834 or apply online in about three minutes. There is no credit check, no obligation, and no cost to find out what you qualify for. If a cash advance isn't the right tool for your situation, we'll tell you that too.
