How Pre-Settlement Funding Works
Our experienced paralegal staff works with your attorney to understand your case and review your funding request. Here is what to expect.
Before You Start Your Application
Still looking for an attorney? Our staff can help you consider qualified attorneys we have vetted and built relationships with. Talk with us about finding an attorney, or start your application now and tell us whether you would like assistance. Either answer lets you continue. The choice of representation remains yours.
You can apply with or without an attorney. The initial questionnaire asks about your state, case type and representation before you create an account. If you do not have an attorney, the case-details step asks whether you want help finding one. Our customer representatives review your response and follow up, even if you decline assistance. A case category or completed application does not guarantee approval.
Have your attorney's name, firm and contact information ready, along with the date and basic circumstances of your incident. Think about the amount you need for current expenses. You do not need to know the final settlement value to begin a request, but your attorney will help provide the case information used in the review.
Applying is free, and you can review any offer before deciding whether to accept. Understanding funding costs early helps you compare your options.
1. Check the Basics
Tell us your state, case type and whether you have an attorney. Availability and eligibility vary.
2. Start Your Request
Share your contact information and create secure access so you can return to your application.
3. Tell Us About the Case
Provide incident details, the amount you need and your attorney's contact information. Review before submitting.
4. Case Review
We work with your attorney to obtain the information needed to evaluate your request. We may ask for additional records.
5. Review an Offer
If approved, review the amount, costs and repayment terms with your attorney before completing the required documents.
6. Funding and Repayment
Once requirements are complete, we arrange funding. Repayment is made from settlement or judgment proceeds under your agreement.
What Helps Your Request Move Forward?
- Accurate contact information for you and your attorney.
- Letting your attorney know you have requested funding.
- Checking your messages for missing information.
- Reviewing documents carefully before signing.
Approval is not a guarantee of a particular delivery date. Timing depends on case information, signed documents and the payment method.
Check Eligibility → Read About CostsWhat Happens During Attorney Review?
Graylock works with your attorney to understand the claim, responsibility for the incident, injuries and damages, and potential recovery. The records needed depend on the specific case. We may request additional information before making a decision.
Let your firm know you have applied and confirm that we have the correct contact details. Your attorney continues to handle your legal claim and advise you about settlement decisions. A funding review does not establish what your case is worth or guarantee how it will resolve.
From Approval to Receiving Funds
If an offer is available, read the proposed advance amount, all charges and the repayment terms. Ask how the payoff changes if your case takes longer. Review the documents with your attorney and resolve questions before signing.
Approval, document completion and receipt of funds are separate steps. Delivery depends on completing the required documents and the payment method. Contact Graylock for the status of your specific request rather than assuming an approval message means funds have arrived.
When Your Case Resolves
Repayment comes from recovery proceeds under your agreement. Your attorney coordinates settlement distribution and can request a dated payoff statement from Graylock. That statement helps identify the amount due for the relevant date.
Funding repayment and other deductions affect what remains for you. If your case does not produce a recovery, Graylock's non-recourse funding means you owe nothing. Review the full written terms with your attorney.
Common Process Questions
Can I Return to an Unfinished Application?
Use the account you created to return to your application. Keep your contact information current so you can receive requests for missing information. If you cannot access your account, contact Graylock for help.
Can I Request Additional Funding?
You can ask about an additional advance on an existing case. Include the existing application reference so Graylock can coordinate the request. Additional funding requires review and can increase the total amount repaid from your recovery.
Does My Attorney Apply for Me?
You can start your own application, or your firm can submit a client funding request. Attorney participation is still required for case review and document coordination.
More Funding Guides
Explore funding offers, alternatives, attorney information and additional funding requests before deciding what fits your situation.