Answers, before you ask.
Plain answers to the questions we hear most often. If yours isn't here, call or email us directly — a real underwriter will respond.
Pre-settlement funding is a non-recourse advance against the future proceeds of a pending legal claim. It is not a loan: there is no obligation to repay if your case does not result in a recovery. Repayment, when due, comes directly from the settlement or judgment proceeds at resolution.
Most plaintiff applications receive a written decision within 24 hours of our underwriter receiving the case file from your attorney. Funding wires the same business day a contract is countersigned.
No. Pre-settlement funding is underwritten on the merits and projected value of your case, not on your personal credit, employment, or income history. Past bankruptcies, collections, or unemployment do not disqualify you.
Advance amounts are typically 10–20% of the conservative anticipated net recovery, depending on case stage, liability strength, and jurisdiction. Initial advances usually range from $500 to $250,000+, with subsequent advances available as the case progresses.
If your case results in no recovery — defense verdict, dismissal, or otherwise — you owe Breeze nothing. The advance, the agreed repayment amount, and any associated fees are extinguished. That is what "non-recourse" means.
Your attorney is required to acknowledge the funding agreement and confirm they will direct settlement proceeds to satisfy the repayment at resolution. We work directly with your counsel to make this seamless and to ensure the structure conforms to bar guidance in your jurisdiction.
Yes. Breeze provides pre-settlement funding to plaintiffs and law firms in New York and New Jersey. Specific terms, rate caps, and disclosure requirements vary by state and will be reflected in your funding contract.
Our minimum advance is $500. There is no hard ceiling — large or complex cases, including mass tort and commercial matters, are reviewed individually. The amount offered is always proportional to the estimated net recovery on your specific case.
A flat rate means your repayment amount is fixed at the time of funding and does not increase over time — regardless of how long your case takes. Compounding interest, used by some other funders, grows the repayment balance the longer the case runs. With Breeze, the number on page one of your contract is the number you repay.
Yes, in many cases. If your situation changes — medical bills increase, your case enters trial, or the timeline extends — you can request a subsequent advance. Each request is underwritten on the current state of the case and the remaining net recovery headroom.
Still have questions?
Call or email us directly. A real underwriter — not a call center — will respond, usually within the hour.