By Frank Berg, Esq. – Legal Berg, LLC
After years of representing personal injury clients in New Jersey and witnessing the financial challenges they face during litigation, I’ve researched lawsuit funding companies to help my clients make informed decisions. Through my experience as both a personal injury attorney and former probation officer working with families in crisis, I understand how crucial financial stability can be during legal proceedings.
Based on my research and professional evaluation, here are the lawsuit funding companies I recommend to clients who need financial assistance while their cases are pending. These recommendations reflect my analysis of company reputation, terms, transparency, and client service.
Understanding Lawsuit Funding First
Before discussing specific companies, it’s important to understand that lawsuit funding (also called pre-settlement funding or litigation financing) provides non-recourse cash advances to plaintiffs. This means you only repay the advance if you win or settle your case—if you lose, you typically owe nothing.
Key Benefits:
- No monthly payments during litigation
- No credit checks or employment verification required
- Funds available for any purpose (medical bills, living expenses, etc.)
- Only repay if your case is successful
My Top 10 Recommended Lawsuit Funding Companies
Based on my research and professional evaluation
1. America Lawsuit Loans
Why I Recommend Them: America Lawsuit Loans consistently stands out for their speed and attorney cooperation. They offer fast, non-recourse pre-settlement funding nationwide and are known for working directly with attorneys—which I appreciate as it streamlines the process for my clients.
Key Strengths:
- Same-day approvals available
- Direct attorney collaboration
- Nationwide coverage
- Transparent communication process
- Professional approach to case evaluation
Best For: Clients who need quick funding decisions and value attorney-involved processes.
Website: americalawsuitloans.com
2. USClaims
Why I Recommend Them: As one of the oldest legal funding companies in the U.S., USClaims has established credibility and experience. Their simple, non-compounding interest structure and transparent terms make them particularly client-friendly.
Key Strengths:
- Established industry reputation
- Non-compounding interest (saves money over time)
- Transparent fee structure
- Experienced in various case types
- Clear communication about terms
Best For: Clients who want an established company with straightforward terms.
Website: usclaims.com
3. Thrivest Link Legal Funding
Why I Recommend Them: Thrivest Link offers both pre- and post-settlement options with fast processing times. Their flexibility in funding options makes them suitable for various client situations.
Key Strengths:
- Fast processing times
- Both pre- and post-settlement funding
- Flexible funding options
- Serves personal injury and other case types
- Responsive customer service
Best For: Clients who need flexibility in funding types and quick processing.
Website: thrivestlink.com
4. Oasis Financial
Why I Recommend Them: Oasis Financial is a leading national provider serving plaintiffs in over 40 states. Their wide coverage and quick application process make them accessible to most of my New Jersey clients.
Key Strengths:
- Extensive geographic coverage (40+ states)
- Quick application process
- Established national reputation
- Multiple funding options
- Professional customer service
Best For: Clients who want a large, established company with proven track record.
Website: oasisfinancial.com
5. Prime Case Funding
Why I Recommend Them: Prime Case Funding specializes in quick advances, often within 24 hours. They offer both pre- and post-settlement funding, making them versatile for different client needs.
Key Strengths:
- Very fast approval times (24 hours)
- Both pre- and post-settlement options
- Quick fund disbursement
- Streamlined application process
- Focus on speed without sacrificing service
Best For: Clients facing immediate financial deadlines who need urgent funding.
Website: pcfmoney.com
6. High Rise Financial
Why I Recommend Them: High Rise Financial focuses specifically on personal injury plaintiffs and is known for transparent rates and non-recourse funding. Their specialization in personal injury cases means they understand the unique challenges my clients face.
Key Strengths:
- Personal injury specialization
- Transparent rate structure
- Non-recourse funding guarantee
- Understanding of PI case timelines
- Professional approach to case evaluation
Best For: Personal injury clients who want a company that specializes in their case type.
Website: highriselegalfunding.com
7. Nova Legal Funding
Why I Recommend Them: Though California-based, Nova Legal Funding operates nationally and provides lawsuit loans with no credit checks or employment verification. This makes them accessible to clients who might not qualify for traditional financing.
Key Strengths:
- No credit checks required
- No employment verification needed
- National operations
- Simplified application process
- Focus on case strength rather than personal finances
Best For: Clients with credit or employment challenges who need funding based purely on case merit.
Website: novalegalfunding.com
8. Preferred Capital Funding
Why I Recommend Them: Preferred Capital Funding offers pre-settlement advances with a simple online application process. Their straightforward approach appeals to clients who prefer digital convenience.
Key Strengths:
- Simple online application
- Pre-settlement advance specialization
- User-friendly process
- Quick initial reviews
- Accessible customer service
Best For: Tech-savvy clients who prefer online applications and streamlined processes.
Website: preferredcapitalfunding.com
9. Peachtree Financial Solutions
Why I Recommend Them: Peachtree Financial is known for both structured settlements and pre-settlement advances. As a reliable and established financial firm, they bring institutional credibility to legal funding.
Key Strengths:
- Established financial firm reputation
- Experience with structured settlements
- Reliable funding solutions
- Professional financial approach
- Long-term industry presence
Best For: Clients who want the backing of an established financial institution.
Website: peachtreefinancial.com
10. Cartiga
Why I Recommend Them: Cartiga provides legal funding and litigation finance solutions and is often highlighted for professionalism and transparency. Their focus on clear communication aligns with my commitment to keeping clients informed.
Key Strengths:
- Professional approach
- Transparent operations
- Clear communication
- Litigation finance expertise
- Focus on client education
Best For: Clients who value transparency and professional communication throughout the funding process.
Website: cartiga.com
My Professional Evaluation Criteria
When researching these companies, I evaluated them based on factors that matter most to my clients:
Financial Terms
- Interest rates and fee structures
- Transparency in cost disclosure
- Reasonable compound interest policies
- No hidden fees or charges
Service Quality
- Speed of application processing
- Attorney cooperation and communication
- Customer service responsiveness
- Professional approach to client relations
Reliability Factors
- Company reputation and track record
- Financial stability and backing
- Geographic coverage and accessibility
- Specialization in personal injury cases
Important Disclaimers and Considerations
Professional Recommendations Disclaimer
These recommendations are based on my research and professional evaluation as of the publication date. Terms, rates, and company policies can change. I encourage all clients to:
- Verify current terms directly with any company
- Compare multiple options before making decisions
- Discuss funding decisions with me before proceeding
- Read all agreements carefully before signing
Due Diligence Requirements
Even with my recommendations, each client should:
- Confirm current rates and terms
- Ask about any recent policy changes
- Verify the company’s current licensing status
- Check for any complaints or regulatory actions
- Ensure the company is still operating as described
Working with Your Attorney
As emphasized throughout my practice, I personally get to know each client and their family to understand how their accident has impacted their lives. This personal approach extends to financial decisions like lawsuit funding.
Why Attorney Involvement Matters:
- Case strength evaluation – I can help assess whether funding makes sense for your specific case
- Contract review – I can identify any problematic terms or unfair conditions
- Company verification – I can help confirm that recommended companies are still operating as expected
- Strategic planning – I can ensure funding aligns with your case timeline and goals
My Commitment to Clients:
Having been interviewed by News 12 New Jersey and My9 News about personal injury law matters, I’m often asked about the financial challenges facing injury victims. My research into lawsuit funding companies reflects my commitment to providing comprehensive guidance that goes beyond just legal representation.
Questions to Ask Any Funding Company
Regardless of which company you choose from my recommendations, always ask:
- What are your current interest rates and fee structure?
- How do you calculate compound interest?
- Are there any application or processing fees?
- How quickly can you process my application?
- Will you work directly with my attorney?
- What happens if my case takes longer than expected?
- Are there any prepayment penalties?
- Can you provide recent references from other attorneys?
- What is your policy for early repayment?
- Do you have current licensing in New Jersey?
When Lawsuit Funding Makes Sense
Based on my experience representing New Jersey personal injury clients, lawsuit funding typically makes sense when:
- You have a strong case with clear liability and damages
- You’re facing immediate financial hardship due to your injuries
- Traditional financing isn’t available or practical
- You understand the total costs involved
- Your attorney supports the funding decision
- You plan to use funds for essential expenses
Red Flags to Still Watch For
Even with reputable companies, be cautious of:
- Pressure to sign quickly without attorney review
- Unclear or changing terms from initial discussions
- Reluctance to work with your attorney
- Excessive fees compared to other options
- Poor communication or unprofessional behavior
My Personal Approach to Client Guidance
At Legal Berg, LLC, we believe in “Personal Injury Law with a Personal Touch.” This means I take time to understand not just your legal case, but your family’s financial situation and needs. My background as a former probation officer working with families in crisis gives me unique insight into how financial stress affects entire households.
When clients ask about lawsuit funding, I consider:
- Your family’s immediate needs
- The strength and timeline of your case
- Available alternatives to funding
- Long-term financial impact
- Your comfort level with the funding company
Contact Legal Berg, LLC for Personalized Guidance
While I’ve provided these research-based recommendations, every client’s situation is unique. I encourage you to discuss lawsuit funding options with me before making any decisions. Together, we can evaluate:
- Whether funding is right for your situation
- Which companies might be best for your specific needs
- How to compare current terms and offers
- How funding might impact your case strategy
Why Choose Legal Berg, LLC:
- Personal attention from Frank Berg, Esq.
- Extensive experience with New Jersey personal injury law
- Professional association leadership (Former NJAJ Board of Governors)
- Media-recognized expertise in personal injury matters
- Commitment to understanding your family’s unique situation
Contact Information:
- Free consultation available
- Serving all of New Jersey
- No fee unless you win
- Personal service, not case numbers
Remember, my diverse background—including my J.D. from Quinnipiac University, experience as a probation officer, and current work representing children in DYFS litigation—provides me with unique insight into how legal and financial decisions affect families.
Important Legal Disclaimers:
This article represents my professional research and opinions as of the publication date. Company terms, rates, and policies may change without notice. This information is for educational purposes only and does not constitute financial advice. Every case is unique, and lawsuit funding decisions should be made in consultation with your attorney after reviewing current company terms and conditions.
Past results do not guarantee future outcomes. The companies listed have been researched based on publicly available information and professional evaluation, but clients should conduct their own due diligence and verify current terms before making funding decisions.
About Frank Berg, Esq.: Frank Berg is a New Jersey personal injury attorney with extensive experience in motor vehicle accidents, dog bite cases, and workplace injuries. He holds a J.D. from Quinnipiac University (1998) and has been admitted to practice in New Jersey since 1998. Frank is a former Board of Governors member of the New Jersey Association for Justice and has been interviewed by News 12 New Jersey and My9 News as an expert on New Jersey personal injury law.