Fast approvals. No credit check. Get cash before your case settles.

Don’t Wait for Your Settlement, Get the Money You Need Now.

Pay Nothing Unless You Win. 
Fast, Local, and Risk-Free Pre-Settlement Funding in Tennessee.

Apply Now

  • Apply Online

    Complete and submit our online plaintiff application form.

  • Case Review

    We'll review the details of your case to see if you qualify. 

  • Approval

    If approved, we'll provide you with a clear and transparent funding agreement.

  • Get Funded

    Once approved, you'll receive your funding in 24-48 hours.

River Finance Pre-Settlement Loans

What Is Pre-Settlement Funding?

River Financing helps personal injury plaintiffs get financial relief before their cases settle. This is not a loan – repayment only occurs if you win.

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River Finance

Key Benefits of Our Pre-Settlement Funding

We know how stressful it can be waiting for your settlement while bills keep coming in.

If your lawsuit is taking longer than expected and money is tight, you’re not alone. We help people just like you bridge the gap until their settlement arrives – quickly, confidentially, and without risk.

That’s why we offer a simple, local solution – giving Tennessee residents access to the money they need, with genuine service and no hidden catches.

Apply Now

  • No Credit Check

    Your case strength - not your credit history - determines approval.

  • No Upfront Fees

    There are no application costs or hidden charges.

  • Risk-Free Funding

    You only repay if you win or settle your case. If you lose, you owe nothing.

  • Fast Approval

    Most applications are reviewed and approved within 24–48 hours.

  • Confidential & Secure

    All information is handled discreetly and shared only with your attorney.

  • Personalized, Local Service

    We’re a small Tennessee-based company that takes the time to understand your situation - not a distant national lender.

  • Direct Attorney Collaboration

    We work directly with your lawyer and can even meet in person to discuss your case details.

Don't Wait for Your Settlement.

Get a Pre-Settlement with River Financing Today.

Pay ONLY if you Win!

Apply Now

River Finance

Testimonials

We’re proud of the relationships we’ve built and the results we’ve achieved. Hear directly from clients who’ve trusted us to help them.

River Financing was a lifesaver! They knew my lawyer, the process was easy, and there was absolutely no risk. I only had to pay it back if I won my case.

I used the money to get a new car and pay my bills! Highly recommended!

Connie N., Tullahoma, TN

Waiting for my settlement was incredibly stressful. I was worried about losing my home because I couldn’t work and pay my mortgage.

River Financing understood my situation and got me the funding I needed quickly. I was able to use the money to make my mortgage payments and keep my family stable.

They really helped me through a tough time.

Robert M., Soddy Daisy, TN

I was hesitant about pre-settlement funding at first, but River Financing explained everything clearly and made me feel comfortable. The fact that I only had to pay them back if I won my case was a huge relief.

It gave me peace of mind knowing I could take care of my expenses without worrying about going into debt if things didn’t go my way. Thank you, River Financing!

John H., Winchester, TN

What I really appreciated about River Financing was that they were local and took the time
to understand my situation.

I wasn’t just a number to them like I felt I would be with those big national companies. They even met with my lawyer in person, which made the whole process much smoother. I’m so grateful for their personalized service!

Cara L., Chattanooga, TN

I was really struggling while waiting for my settlement from a car accident. The bills were piling up, and I didn’t know what to do. River Financing was a lifesaver!

They got me the money I needed quickly and easily. The process was so simple, and everyone I spoke with was so helpful. I highly recommend them!

Gabe H., Nashville, TN

Frequently Asked Questions

Pre-settlement Loans

Got questions? As a Tennessee company, we’re here to make things easy to understand.
We’ve answered the most common ones below to help you understand how pre-settlement funding works and what to expect.

Pre-settlement funding (also called a lawsuit cash advance) is financial assistance provided to plaintiffs awaiting a legal settlement. It allows you to access a portion of your expected settlement now – helping you cover living expenses, medical bills, or other urgent needs while your case is still pending.

Pre-settlement funding is not a traditional loan. You don’t make monthly payments, and there’s no credit check or employment verification.
It’s a non-recourse advance, meaning repayment only occurs if you win or settle your case. If you lose, you owe nothing.

The amount you can receive depends on the strength and value of your case. Typically, advances range from $500 to $100,000+, depending on your potential settlement amount and case details.

If you lose your case, you don’t repay anything. Because pre-settlement funding is non-recourse, repayment only happens if your attorney successfully secures a settlement or judgment for you.

Our funding includes a simple, transparent fee structure that is fully disclosed before you agree to anything. Rates vary based on case type, duration, and risk level. There are no hidden fees, and you’ll know the total repayment amount upfront.

Most applications are approved within 24–48 hours after we receive the necessary case details from your attorney. Some cases may be approved the same day.

Repayment is handled directly through your attorney once your case settles. Your attorney deducts the agreed amount from your settlement and sends payment to us – no action is needed on your part.

No. We never contact your employer, family, or references. All communication is strictly between our team, you, and your attorney.

No credit check is required. Your case strength, not your credit history or income, determines your eligibility.

River Finance Pre-Settlement Loans

Apply Today!

Secure the funds you need before your case settles. Fast, Simple, and Risk-free

    Apply for Pre-Settlement Funding

    Complete the quick form below and our team will contact you shortly.

    Our Locations

    With offices in Chattanooga and Winchester, we’re here to provide fast, local support when you need it most.