Our Process

1. Apply

Complete our online application (no credit scores or background checks required).

2. Verification

We verify all information regarding your case with your attorney.

3. Assessment

We assess your case to determine if Happy Lending can proceed with funding and what the purchasing agreement will be.

4. Approval

If your application is approved, we will provide you with the funding.

What is Pre-Settlement Funding?

Pre-Settlement funding is not considered a loan, but rather a purchase of a potential settlement. It is a way for individuals to access immediate cash while their lawsuit is ongoing. If you happen to lose your case, you are not required to repay the funds. Instead, the funding company purchases a portion of your potential future settlement, and you receive the cash upfront.

What is the Cost of Pre-Settlement Funding?

There is no upfront cost to receiving Pre-Settlement Funding through Happy Lending. Funds are received by you, the Seller, prior to your case settling to be used however you like. Our company charges nothing if you lose your case. In the event you win your case, our fees are taken out of the settlement amount at an agreed upon value. Because of this added risk, pre-settlement funding is usually less cost effective than traditional loans because nothing is paid back if the lawsuit is unsuccessful. We strive to offer the best terms in our purchasing agreement.

Happy Lending recommends that all potential applicants educate themselves on the process of receiving Pre-Settlement Funding. We encourage you to do your own due diligence before applying.