your case has value.
don’t settle it short because rent is due.
Merlin Capital provides non-recourse pre-settlement funding: cash for your living expenses today, repaid only if your case wins. If it doesn’t, you owe us nothing. That’s not a technicality. It’s the entire promise.
No credit check. No monthly payments. No effect on your case.
How an advance works
Example
paid from your settlement
Every offer shows your exact numbers in writing before you sign.
the merlin promise
clear terms, in writing, before you sign anything
Litigation finance has a reputation problem. We fix it by being the opposite: transparent pricing, a fixed repayment schedule you see up front, and contracts written in plain English.
“You got hurt. You can’t work. The insurance company is in no rush. We are.”
how it works
four steps. no hoops.
You focus on getting better. We handle the money part, and we never make you chase us for an answer.
Tell us about your case
A five-minute application, online or by phone. No credit check and no employment requirement.
~5 minutesWe call your attorney
Our underwriters review the case with your lawyer: liability, coverage, and timeline. You don’t have to do a thing.
Same dayGet a clear offer
One page. The advance amount and exactly what you’d repay at settlement, fixed in writing. No fine print surprises.
Within 24 hrsMoney in your account
Funds arrive by wire or check. You repay only from your settlement, and only if your case wins.
24–48 hrswhy merlin
breathing room, so you don’t settle short
When you’re hurt and out of work, waiting is expensive, and the insurance company knows it. An advance covers life now, so you and your attorney can hold out for what your case is actually worth.
no surprises
One page shows what you receive, what you’d repay, and the contract fee, all before you sign. Nothing changes after.
no risk to you
The advance is non-recourse. If your case doesn’t win, you keep the money and owe us nothing.
no pressure
No monthly payments and no deadlines while your case is pending. Rent gets paid without you taking the first low offer.
no runaround
Real people who speak plainly and pick up the phone. Apply in five minutes, hear back within a day.
cases we fund
if the case is real, we move fast.
If it’s not a fit, we’ll tell you straight, usually within a day, so you can move on quickly.
Motor vehicle accidents
Car, truck, motorcycle, rideshare, and pedestrian injury claims.
Premises liability
Slip-and-fall, negligent security, and unsafe property conditions.
Medical malpractice
Surgical error, misdiagnosis, and birth injury cases.
Product liability
Defective products, dangerous drugs, and device claims.
Workplace injury
Third-party construction and industrial accident claims.
Employment & civil rights
Wrongful termination, discrimination, and police misconduct.
Wrongful death
Support for families while their claim is pursued with care.
Mass tort & class action
Individual plaintiff advances within consolidated litigation.
for attorneys
a funding partner, not a vendor
We look at attorney track record, liability clarity, and coverage. If the case is real, we move fast. If it’s not, we say so, and we never compromise your client.
- No interference with case strategy, ever. We buy a receivable, not a voice.
- Conservatively sized advances that protect your client’s net recovery at settlement.
- One-call underwriting with attorneys who’ve sat in your chair.
- Clean, standardized documents your paralegal will actually like.
“Most funders compete on speed. We compete on trust. Speed is a byproduct of knowing what you’re looking at.”
Merlin underwriting team
our commitments
what you can expect from us
We’re a new firm, and we plan to earn trust the only way that counts: put every promise in writing, then keep it.
a straight answer, fast
A decision within 24 hours of our call with your attorney, whether it’s a yes or a no. You’ll never be left waiting on us.
every number in writing
One page shows your advance, your fixed repayment schedule, and the contract fee before you sign. Nothing changes after.
your case stays yours
We never direct strategy, never contact the defense, and coordinate everything through your attorney.
questions, answered plainly
no legalese. no jargon.
Is this a loan?
No. A pre-settlement advance is a purchase of a portion of your future settlement proceeds. Because it’s non-recourse, you only repay if your case resolves in your favor. If it doesn’t, you keep the advance and owe nothing. That’s why there’s no credit check and no monthly payment.
What does it cost?
Your offer letter shows a single fixed schedule: the exact amount you’d repay at settlement, along with a flat contract fee, all in writing before you sign. No compounding, and nothing gets added after you sign.
Will this affect my case?
No. We never direct strategy, we never contact the defense, and repayment comes out of settlement proceeds through your attorney at the end. Your lawyer stays fully in charge of your case.
How much can I get?
Advances typically range from $1,500 to $250,000, generally up to about 10 to 15% of a case’s conservatively estimated value, sized so your net recovery stays protected at settlement.
How fast is funding?
Our commitment is a decision within 24 hours of our call with your attorney, and funds within 24 to 48 hours of signing, by wire or check.
Does my attorney have to be involved?
Yes, and that protects you. We verify case details with your attorney and coordinate repayment through them at settlement, so you never juggle paperwork while you’re recovering.