Texas Lawsuit Loans: Get Cash Now, While Your Case Wins
Injured and waiting on your settlement? Diamondback Funding gives you cash now, no credit check, no monthly payments, and zero repayment if you lose your case.
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Why Texas Has Few Restrictions on Lawsuit Funding
Texas is one of relatively few states that explicitly permits champerty and maintenance, the legal terms for third parties funding someone else's litigation, a practice that remains restricted or murky in several other states. Texas is even one of the only states where, in theory, an attorney could lend directly to a client, though in practice almost all funding in Texas is still handled by dedicated third-party companies like Diamondback Funding.
What does shape every Texas case, regardless of funding regulation, is the state's modified comparative negligence rule, also called the 51% bar rule. If you're found 51% or more at fault for your own injury, you cannot recover any damages at all. Below that threshold, your compensation is reduced proportionally: a $750,000 jury award becomes $562,500 if you're found 25% at fault.
A shorter deadline for government claims: while most Texas personal injury claims must be filed within two years under the Texas Civil Practice and Remedies Code, claims involving a government entity carry a much tighter window, typically just six months to provide formal notice. It's a detail many plaintiffs miss, and one of the first things worth confirming with your attorney if a government vehicle, municipal property, or public agency was involved.
From Application to Cash in 5 Steps
Apply Online
Complete our 2-minute form or call our team. Basic case details only, no documents needed 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 the same business day.
Clear Agreement
We present a fully transparent agreement. All terms are spelled out before you sign, no hidden costs.
Funds Delivered
Money arrives via wire transfer or overnight check within 24–48 hours of signing.
No obligation. No credit check. Takes 2 minutes.
How Much Could You Qualify For?
Adjust the sliders for an instant estimate based on your case profile. All figures are illustrative, actual amounts depend on case evaluation.
Do You Qualify for Texas Lawsuit Funding?
Most plaintiffs with an active lawsuit filed in Texas and legal representation are eligible. Approval is based on your case, not your credit history.
Active Texas Lawsuit
You must have a personal injury or civil lawsuit filed in a Texas state or federal court.
Attorney on Contingency
Your attorney must agree to participate in the funding review and confirm case details.
Under the 51% Fault Threshold
Because Texas bars recovery at 51% fault or more, strong liability evidence directly affects eligibility and funding amount.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
Filed on Time
Filed within Texas's two-year statute of limitations, or the six-month notice deadline 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.
Call our team for a free, no-obligation eligibility review. We'll give you an honest answer in minutes.
What Can You Use Texas Funding For?
There are no restrictions on how you use your pre-settlement funding. Houston, Dallas, San Antonio, and Austin plaintiffs alike use their advance for whatever pressing need matters most, medical bills, rent, or just staying current while a case moves through the Texas court system.
Texas funding amounts typically range from $500 to $500,000, sized to the strength and stage of the underlying claim.
Apply Now →| 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 |
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. 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 |
| Full terms disclosed in writing before signing | ✓ Always | ✗ Varies |
| Dedicated case manager | ✓ Yes | ✗ Rarely |
| Funding timeline | 24–48 hours | 3–7 days typical |
| Maximum advance | Up to $500,000 | Often capped lower |
Texas Lawsuit Loans: A State Built for an Active Funding Market
Texas has one of the largest and most active pre-settlement funding markets in the country, driven partly by sheer population size and partly by the state's relatively permissive legal stance toward litigation funding compared to other states.
Champerty and Maintenance: Why Texas Allows This Industry to Operate Freely
Historically, English common law treated champerty (funding someone else's lawsuit in exchange for a share of the proceeds) and maintenance (assisting litigation you have no personal stake in) as offenses, and many US states inherited restrictions rooted in those old doctrines. Texas is among the minority of states that have moved past those restrictions, explicitly permitting champerty and maintenance. The practical effect: Texas currently has no statute written specifically to regulate pre-settlement funding companies, which means choosing a transparent, reputable provider, one who shows you a clear written contract before you sign, matters more in Texas than in states with mandated disclosure rules.
The 51% Bar Rule and What It Means for Your Case
Texas follows modified comparative negligence, sometimes called proportionate responsibility under Texas law. If you're found 51% or more responsible for your own injury, you cannot recover any damages at all. Below that threshold, your award is reduced proportionally to your share of fault. This standard applies whether you're injured in a car accident, on someone else's property, or through a defective product, and it's one of the central factors any funding company weighs when evaluating a Texas case.
A Critical Deadline Difference: Government Defendants
Most Texas personal injury claims carry a standard two-year statute of limitations. But if your injury involved a government entity, a city vehicle, a public school, a county-owned property, Texas law typically requires formal notice of your claim within just six months of the incident. Missing this notice window can permanently bar an otherwise strong claim, which is why confirming whether a government entity was involved should be one of the first conversations you have with your attorney.
Hurt at Work in Texas? The Non-Subscriber Question
Texas is the only state where private employers can opt out of workers' compensation entirely. Pure workers' comp claims can't be advanced against, but if your employer is a non-subscriber, your injury claim proceeds as an ordinary negligence lawsuit, often with the employer's usual common-law defenses stripped away. These cases frequently qualify for funding. Not sure which kind you have? Ask your attorney, or call us, it's one of the first things we check.
Common Case Types Covered in Texas
Beyond standard personal injury, Texas pre-settlement funding commonly supports car accident claims, medical malpractice cases, third-party and non-subscriber work injury claims, and employment disputes, given Texas's large workforce and active litigation market.
Get a free funding assessment in minutes. No credit check, no obligation.
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Related Case Types
At a Glance
Frequently Asked Questions
Everything you need to know about Texas lawsuit loans before you apply.
Yes. Texas is one of relatively few states that allow champerty and maintenance, and even one of the few where an attorney could theoretically lend directly to a client, though most funding is handled by third-party companies like Diamondback Funding. Because no Texas statute specifically regulates funders, work with one that discloses complete terms in writing before you sign.
Texas follows modified comparative negligence. If you're found 51% or more at fault for your own injury, you cannot recover any damages. Below that threshold, your award is reduced proportionally to your percentage of fault.
Yes. While most Texas personal injury claims have a two-year statute of limitations, claims involving a government entity generally require formal notice within just six months of the incident. Missing this window can permanently bar an otherwise valid claim.
It depends on your employer. Pure workers' compensation claims can't be advanced against, but Texas uniquely allows employers to opt out of workers' comp, and injuries at these non-subscriber employers proceed as negligence lawsuits, which often do qualify. Your attorney can tell you which situation you're in, or call us and we'll help you figure it out.
Most Texas 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.
Don’t Let a Tight Clock Force a Bad Settlement
Stay financially stable while fighting for the settlement you deserve, without pressure to accept a lowball offer.
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