My case in Fargo dragged on with the insurer stalling at every turn. Diamondback got me $9,600 in just over a day, and the rate fit comfortably within the state's published usury cap. It kept my household running while my lawyer built the case.
Pre-Settlement Funding · Available Nationwide
North Dakota Pre-Settlement Funding:
Get Cash Now,
While Your Case Wins
North Dakota's usury rate actually moves every month, tied to Treasury Bill rates — a detail worth understanding before you sign anything. Diamondback Funding provides risk-free pre-settlement funding to North Dakota plaintiffs — no credit check, no monthly payments, zero repayment if your case doesn't succeed.
24–48hrsTypical funding time
$0If you don't win
$100KMaximum advance
Trusted by hundreds of personal injury plaintiffs across the US
Apply for Funding
Free · No credit check · 2 minutes
By submitting, you agree to our Terms and Privacy Policy. No obligation to accept funding.
Non-Recourse Funding
Decisions in Hours
No Monthly Payments
No Credit Check Required
Zero Repayment if You Lose
A Rate That Changes Every Month
North Dakota's Floating Usury Rate
North Dakota takes an unusual approach to interest rate regulation: rather than a fixed cap, the state's usury rate floats monthly. It's calculated as the average interest rate on six-month U.S. Treasury Bills, plus an additional 5.5% — with a statutory floor of 7% no matter how low Treasury rates fall. North Dakota's Department of Financial Institutions publishes the updated rate each month.
Why this matters when comparing offers: Because the legal ceiling on rates genuinely moves with broader interest rate conditions, the maximum a funding company can charge in North Dakota today may differ from what it could charge a year from now. When evaluating a North Dakota funding offer, it's worth asking what the current published usury rate is and confirming your agreement complies with it.
North Dakota courts are willing to recognize litigation funding contracts as long as the funder isn't interfering with how the underlying case is litigated — funding itself is neither prohibited nor heavily regulated beyond the usury framework.
North Dakota's No-Fault Auto Insurance System
North Dakota requires drivers to carry Personal Injury Protection coverage, and the state's no-fault system limits when you can pursue a liability lawsuit. You can only sue outside the no-fault system if your case meets a "serious injury" threshold — otherwise, claims are resolved through the relevant insurance companies directly.
Modified Comparative Fault
North Dakota follows a 50% bar rule under N.D.C.C. § 32-03.2-02: if you're found 50% or more at fault for your own injury, you cannot recover any damages. Below that threshold, compensation is reduced proportionally to your share of fault.
Simple & Transparent Process
From Application to Cash in 5 Steps
Apply Online
Complete our 2-minute form or call our team directly. Basic case information only at this stage.
Attorney Review
We contact your attorney to evaluate liability, injury severity, and estimated settlement value.
Fast Decision
Our underwriters assess your case and return a funding decision — typically within hours.
Clear Agreement
We present a transparent agreement with all fees and repayment terms — no hidden costs.
Funds Delivered
Money arrives via wire transfer or overnight check within 24–48 hours of signing.
Start My Application — It's Free
No obligation. No credit check. Takes 2 minutes.
Free Funding Estimator
How Much Could You Receive?
Adjust the sliders below to get an instant estimate based on your case profile. All figures are illustrative — actual amounts depend on case evaluation.
Estimated Advance
$12,500
suggested range
If You Win
$15,250
advance + funding fee
If You Lose
$0
non-recourse — owe nothing
$250,000
$25K$1M+
Strong
DisputedClear-cut
$25,000
$1K$200K
18 months
6 mo4 yrs
Advance rate
5%
of settlement value
Funding fee
$2,750
paid only if you win
Your net settlement
$234,750
after repayment
Funding timeline
24–48 hrs
from approval
Illustrative only. Actual advance amounts are determined after full case review with your attorney. Non-recourse: zero repayment if your case is lost.
Apply for My Actual Quote →Eligibility
Do You Qualify for North Dakota Lawsuit Funding?
Most plaintiffs with an active lawsuit filed in North Dakota and legal representation are eligible. Approval is based on your case, not your credit history.
Active North Dakota Lawsuit
You must have a personal injury or civil lawsuit filed in a North Dakota state or federal court.
Attorney on Contingency
Your attorney must agree to participate in the funding review and confirm case details.
Met the Serious Injury Threshold (Auto Cases)
Auto accident claims must clear North Dakota's no-fault threshold before a liability lawsuit — and funding — is available.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
Filed on Time
6 years for most claims, 2 years for wrongful death; 180-day notice if a government entity is involved.
Age 18 or Older
Applicants must be at least 18 years of age. Parents or guardians may apply on behalf of injured minors in some cases.
Not sure if you qualify?
Call our team for a free, no-obligation eligibility review. We'll give you an honest answer in minutes.
Flexible Use of Funds
What Can You Use North Dakota Funding For?
There are no restrictions on how you use your pre-settlement funding. Fargo, Bismarck, Grand Forks, and Minot plaintiffs alike use their advance for whatever pressing need matters most while their case proceeds through North Dakota's court system.
Every Diamondback Funding agreement in North Dakota stays within the state's current published usury rate — ask us about the latest figure when you apply.
Medical bills, surgery costs, and specialist consultations
Lost wages while you're unable to work during recovery or litigation
Rent or mortgage payments, utilities, groceries, and other household expenses
Physical therapy and rehabilitation costs not fully covered by insurance
Transportation, childcare, and other everyday expenses
| Expense Type | Covered? |
|---|---|
| Medical & hospital bills | ✓ Yes |
| Surgery & specialist care | ✓ Yes |
| Physical & occupational therapy | ✓ Yes |
| Prescription medications | ✓ Yes |
| Lost wages / income gap | ✓ Yes |
| Rent or mortgage | ✓ Yes |
| Groceries & daily expenses | ✓ Yes |
| Transportation | ✓ Yes |
| Childcare | ✓ Yes |
| Any other personal expense | ✓ Yes |
Why Choose Us
Not All Pre-Settlement Funding Companies Are Equal
Pre-settlement funding is an unregulated industry in many states. The wrong company can lock you into excessive fees and compound interest. Here is how Diamondback Funding compares.
| Feature | Diamondback Funding | Typical Competitor |
|---|---|---|
| Credit check required | ✓ Never | ✓ Usually not |
| Monthly payments during case | ✓ None | ✓ None |
| Repayment if you lose | ✓ Zero | ✓ Zero |
| Interest structure | ✓ Simple, flat fee | ✗ Often compounding |
| Transparent fee structure upfront | ✓ Always | ✗ Varies |
| Dedicated case manager | ✓ Yes | ✗ Rarely |
| Funding timeline | 24–48 hours | 3–7 days typical |
| Maximum advance | Up to $100,000 | Often capped lower |
Client Testimonials
Real Stories from Real Plaintiffs
My case had to clear North Dakota's serious injury threshold before we could even pursue a lawsuit, since the state runs on a no-fault system. Once it did, Diamondback's funding kept me afloat while my attorney built the case.
The insurer tried to argue I was close to the 50% fault line just to lowball me. With Diamondback's funding, I didn't have to panic about rent while my attorney fought that characterization. The case ultimately settled on much stronger terms.
In-Depth Guide
North Dakota Pre-Settlement Funding: A Rate That Moves With the Market
North Dakota's regulatory approach to litigation funding is unusual in a specific way: rather than a fixed statutory cap, the maximum legal interest rate is recalculated every month based on market conditions. Understanding this mechanism — plus the state's no-fault auto system — helps North Dakota plaintiffs evaluate funding offers accurately.
How the Floating Usury Rate Works
North Dakota's usury rate is calculated as the average interest rate on six-month U.S. Treasury Bills, plus 5.5%, with a statutory floor of 7% that applies even when Treasury rates are unusually low. The state's Department of Financial Institutions publishes the current rate each month, meaning the legal ceiling on what a funding company can charge genuinely shifts over time with broader interest rate trends. This is a meaningfully different structure from the fixed percentage caps used in states like Kansas or Connecticut — when comparing North Dakota funding offers, ask what the current published rate is and confirm the agreement complies with it.
Litigation Funding Is Recognized, Not Heavily Regulated
North Dakota courts are willing to recognize and enforce litigation funding contracts, provided the funder isn't interfering with how the underlying lawsuit is litigated or settled. Beyond the usury framework, the state doesn't impose funding-specific licensing or disclosure requirements the way some states in this guide now do.
North Dakota's No-Fault Auto Insurance System
North Dakota requires drivers to carry Personal Injury Protection coverage, and the state's no-fault structure means most auto accident injuries are initially handled through insurance rather than a lawsuit. You can only pursue a liability lawsuit — and become eligible for pre-settlement funding tied to that lawsuit — if your case meets a "serious injury" threshold defined by North Dakota law.
Modified Comparative Fault
North Dakota follows a 50% bar rule under N.D.C.C. § 32-03.2-02: if you're found 50% or more at fault for your own injury, you cannot recover damages. Below that threshold, compensation is reduced proportionally to your share of fault.
Medical Malpractice Damage Caps
North Dakota caps non-economic damages in medical malpractice cases at $500,000. Economic damages exceeding $250,000 are subject to court review to determine whether the amount is "reasonable."
Common Case Types We Fund in North Dakota
Diamondback Funding provides pre-settlement funding for car accident claims, medical malpractice cases, workers' compensation matters, and other personal injury claims across North Dakota, from Fargo to Bismarck and Grand Forks.
Common Questions
Frequently Asked Questions
Everything you need to know about North Dakota pre-settlement funding before you apply.
North Dakota's usury rate floats monthly, calculated as the average interest rate on six-month U.S. Treasury Bills plus 5.5%, with a statutory floor of 7%. The Department of Financial Institutions publishes the current rate each month.
Yes. North Dakota requires Personal Injury Protection coverage, and you can only file a liability lawsuit if your case meets a "serious injury" threshold under the no-fault system.
North Dakota follows modified comparative fault under N.D.C.C. § 32-03.2-02. If you're found 50% or more at fault for your own injury, you cannot recover damages. Below that threshold, your award is reduced proportionally.
If your case is lost or dismissed, you owe nothing. Repayment comes exclusively from your settlement proceeds — no personal liability, no debt collection, and no credit impact.
Most North Dakota applications are approved and funded within 24 to 48 hours of receiving complete case documentation from your attorney. Calling us directly at (917) 267-8368 can also accelerate the process.
Yes. As your case progresses, supplemental funding may be available. Contact your dedicated case manager to discuss a funding review if your situation changes.
Where We Fund
Pre-Settlement Funding by State
Diamondback Funding provides pre-settlement funding nationwide, with underwriters who understand the specific laws in your state.
Take the First Step
Don't Let Financial Pressure Force a Bad Settlement
You deserve time to pursue full and fair compensation for your North Dakota case. Diamondback Funding gives you that time — with fast, transparent, risk-free pre-settlement cash advances.