The category, defined
Case Equity
/keɪs · ek·wə·tē/ · noun
- The value your case already holds, before it settles or wins.
- Money drawn from that value. You are not borrowing anything. You are accessing something you already own.
See also: home equity. Not a synonym for: lawsuit loan.
What you already own
Case Equity statement
Case No. YOURS
- The accident
- Rear-ended, not your fault
- Time to settle
- Likely 12 to 18 months
- Est. case value
- Unknown. More if you can wait
- What you need
- Time, and your bills paid
Draw today
$3,000
27.8% simple · capped at 2x · non-recourse
If you don't win, you owe nothing back.
Why we named it
The old names were wrong.
What they call it
A lawsuit loan.
A loan follows you if you lose. This one doesn't. You'd owe nothing.
A loan bills you every month. This one doesn't. Nothing while the case runs.
The scary name still does its job. It keeps people away from the one tool that levels the fight, and that fear is worth money to the other side. The polite name, pre-settlement funding, is no better: it describes paperwork and hides the point.
And the old names price like the old industry: extremely high rates, compounding in the dark. Read real lawsuit loan and pre-settlement funding contracts, side by side with a Case Equity contract.
What we call it
Case Equity.
If you have a real case, you already own something valuable. Homeowners tap the value of their home. You can tap the value of your case. It was yours the whole time. It just had no name.
So we named it. But a name is only true when the terms make it true. On ClaimAngel, they do:
- One flat rate
- A hard cap
- 25+ vetted funders
- Lose? You owe $0
Those four are not how the industry works. They are our platform's terms, and every funder on it funds at them. Anywhere else, ask for all four in writing. We did the reading for you →
The wait the category was born from is not neutral. Someone profits from every month of it. Read who, and how →
The questions
Asked plainly.
What is Case Equity?
Case Equity is money from the value of your legal case, accessed before the case settles. It works like home equity: if you have a real case, you already own something of value, and you can access part of it now. It is not a loan. It is non-recourse, repaid only from a winning settlement, at one set 27.8% simple rate with a hard cap at 2x.
Is Case Equity a loan?
No. A loan follows you if you lose and bills you along the way. Case Equity is non-recourse: money from the value of your case, repaid only out of a winning settlement. Lose the case, keep the money, owe nothing back.
What is the difference between Case Equity and pre-settlement funding?
Pre-settlement funding is the industry's old name for money before a settlement, historically at 3% to 8% monthly, compounding, with no ceiling. Case Equity is the same moment in a case with a different construction: one set rate of 27.8% simple, a hard cap at 2x, and vetted funders competing on one marketplace.
What does Case Equity cost?
One set rate: 27.8% simple annual interest, billed quarterly, never compounding, with a hard cap at 2x your draw plus financed fees. The calculator shows the exact payoff for your numbers, to the penny, fees included.
What happens if I lose my case?
You owe nothing back. Non-recourse is the product, not fine print: the draw is repaid only from a settlement or judgment in your favor.
Try the category
Feel the stop, yourself.
Set a draw. Drag the settlement out as far as you like. There is a month where the balance stops moving, and it is printed before you sign.
Drag past month 46. Watch what the balance does.
27.8% simple, never compounding
Fees included, to the penny. The full calculator →
The month the bills arrive
The ways to pay for the wait.
Drawing on your case used to be the last resort, priced like one. We built the terms that make it the first place to look.
| Option | During the case | If you lose | Credit check | The ceiling |
|---|---|---|---|---|
| Credit card | Minimum payments every month | The debt stays | Yes, and utilization climbs | Compounds until paid |
| Personal loan | Payments start immediately | The debt stays | Yes | Fixed, but always owed |
| 401(k) withdrawal | Penalty and taxes, up front | Your retirement stays spent | No | 10% penalty plus the lost growth |
| Old lawsuit loan | No payments | Forgiven | No | 3% to 8% monthly, compounding, no cap |
| Case Equity | $0 until settlement | Forgiven. You owe nothing | No | 27.8% simple, capped at 2x |
If you don't win, you owe nothing back.
That is the sentence the whole category stands on. Everything below exists to keep it true.
The standard
Six terms. Hold anyone to them, including us.
The rate is public.
One set rate: 27.8% simple, no compounding. It is on our homepage, on our calculator, and on the wall at conferences. Nobody else in this industry prints a number.
Every funder funds at the same terms.
ClaimAngel is not a funder. It is the platform 25+ vetted funding companies fund on. We set the rate, the terms, and the technology. They compete on speed, not price.
The balance has a ceiling.
A hard cap at 2x your draw plus financed fees. At 46 months the balance stops growing and never grows again. A $1,000 draw can never cost more than $2,130.47 to repay.
We never touch the case.
No funder on the platform directs strategy, picks lawyers, or influences settlement. Your case is yours. Your lawyer answers to you.
We say what we believe, in writing.
When a state passes a funding law, we publish the facts, dated and sourced, and our position under it. Where a law protects consumers we say so. Where it falls short we say that too.
If you don't win, you owe nothing back.
Non-recourse is not fine print. It is the product. Lose the case, keep the money, owe nothing.
If anyone offers you money on your case, ask for these six in writing. If they flinch, you have your answer.
Your case may already hold what you need to get through it.
No credit check. If you don't win, you owe nothing back.