Process
Step by Step: What Happens After You Apply for Funding
• 2 min read
Funding is faster than most claimants expect. Here's the hour-by-hour breakdown of what actually happens.
Minute 0: You submit the application online or by phone — name, attorney info, case details, amount requested. Takes about three minutes.
Hour 1: An AARC funding specialist contacts your attorney's office to request the case file and key documents.
Hours 1–24: Underwriting reviews liability, damages, and insurance coverage. Most cases receive a same-day funding decision once the attorney returns the file.
Hour 24–48: Once you accept the funding agreement, money is wired to your bank account or sent by check. Wire transfers usually arrive within hours of execution.
The single biggest factor in timing is how quickly your attorney's office returns the case documents.
Apply online or call (800) 297-3834 to start — same-day funding is realistic for responsive attorney offices.
Frequently asked questions
- Does my attorney have to be involved?
- Yes. AARC works directly with your attorney's office to verify the case and coordinate repayment out of the eventual settlement.
- 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.
