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.
