Basics
Post-Settlement Funding: Bridging the Final Wait
• 2 min read
Even after settlement, the check can take 30 to 90 days to arrive. Post-settlement funding bridges that final wait.
After you sign the release, the carrier has 14 to 30 days (sometimes longer) to send the settlement check to your attorney. Then the attorney has to clear funds, pay liens, and disburse to you.
From signing to check-in-hand, the realistic timeline is 30 to 90 days, sometimes longer for complex cases with multiple liens or MSA review.
Post-settlement funding bridges that final gap. Because the case is resolved and the settlement amount known, rates on post-settlement funding are typically much lower than pre-settlement.
AARC offers post-settlement funding on cases we already funded pre-settlement and on cases we didn't.
Talk to AARC about post-settlement options if you need cash to bridge the final wait.
Call (800) 297-3834 or apply online.
Frequently asked questions
- What happens if I lose my case?
- Nothing is owed. Because the funding is non-recourse, AARC absorbs the loss if your case does not result in a recovery.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
