Legal Funding FAQ

Pre-settlement funding is a cash advance based on the expected value of a pending legal claim. If approved, you receive funds before the claim resolves and repayment generally comes from a settlement or judgment under the written agreement.

“Lawsuit loan” is a common search term, but legal funding is structured differently from a conventional personal loan. Approval is based primarily on the legal claim, not a credit score or employment history. No monthly payments are made.

Rockpoint’s plaintiff funding is designed as non-recourse funding. That generally means repayment is due only from a recovery in the case. Terms vary, so the signed agreement and applicable law control.

Under a non-recourse agreement, you generally do not repay the advance if there is no settlement or judgment. Review the agreement with your attorney so you understand every repayment condition and responsibility.

You generally need to be represented because Rockpoint must speak with your attorney to verify case facts, documentation, status, and the expected path to recovery.

Rockpoint evaluates the legal claim rather than relying on conventional credit underwriting. Its plaintiff-funding materials state that no conventional credit check or collateral is required.

You provide basic information about yourself, your attorney, your claim, and the amount requested. Rockpoint then reviews the case, verifies relevant information with counsel, and—if approved—provides a written offer for you to review before funds are delivered.

Speaking with your attorney helps Rockpoint confirm liability, damages, insurance, case status, documentation, and other details relevant to underwriting. Rockpoint provides funding only and does not direct your attorney’s strategy or settlement decisions.

Underwriters may review liability, documented damages, available insurance or defendant resources, case progress, expected timeline, and the quality of supporting records. Every case is reviewed individually.

Rockpoint offers fast review, and some straightforward, well-documented cases may be reviewed quickly. Timing is not guaranteed and can vary with case complexity, attorney response, requested amount, and available documentation.

Missing records, unclear liability, complex insurance issues, multiple parties, a larger request, delayed attorney communication, transfer method, bank limits, weekends, and holidays can all add time.

Possibly. A represented legal claim may be reviewed before a complaint is filed, depending on its stage, documentation, liability, and expected recovery. Rockpoint must evaluate the individual claim.

Fee structures vary by offer and may depend on the amount advanced and how long the case remains unresolved. Your written agreement should explain the calculation, accrual method, any caps, and payoff examples.

No monthly payments are made. Repayment is handled from case proceeds after a settlement or judgment, according to the agreement.

Yes. If there is a recovery, the advance and applicable fees are generally paid from the proceeds, reducing the amount ultimately disbursed to you. Review payoff examples before signing.

Request only what you reasonably need. Consider essential expenses, the expected case timeline, the potential repayment amount, and other available assistance before accepting an advance.

Review the advance amount, fee calculation, accrual, caps, payoff examples, repayment triggers, cancellation rights if any, and your responsibilities. Ask questions and discuss the agreement with your attorney.

Depending on your situation, alternatives may include insurance benefits, public assistance, payment plans, hardship programs, family support, or reducing expenses. Legal funding is one option, not the only option.

Approved funds may help cover essential living expenses while a claim is pending. Common uses include housing, groceries, utilities, transportation, childcare, and other everyday needs.

No. Funding is not insurance, public assistance, legal advice, or financial planning. Review other benefits and lower-cost options that may be available before accepting funding.

A request for additional funding may be reviewed, but approval is not automatic. Rockpoint will reassess case progress, prior advances, expected recovery, and whether additional funding is appropriate.

Rockpoint provides funding only. It does not control litigation strategy, attorney judgment, or the client’s settlement decision.

Requests may include representation confirmation, case status, liability and damages documentation, insurance information, significant filings or records, and updates needed to evaluate or service the funding.

A firm can connect an interested client with Rockpoint and authorize the exchange of information needed for review. The client should receive clear written terms and an opportunity to ask questions before signing.

When a case resolves, repayment is generally handled from the client’s proceeds according to the funding agreement and any applicable lien or acknowledgment. The exact process depends on the documents and jurisdiction.

Personal injury, employment, wildfire, mass-tort, and other represented claims may be considered. Eligibility depends on the facts, documentation, available recovery, case status, and applicable law.

Post-settlement funding may be a separate product where offered. Availability and terms require individual confirmation; do not assume a pre-settlement agreement applies after resolution.