Pre-Settlement Funding in Texas

Injuries from accidents, whether on the road, at work, or on someone else’s property, can create massive financial pressure long before a legal case settles. Whether you’re in Houston, San Antonio, Dallas, or Austin, pre-settlement funding in Texas can provide a financial bridge while your personal injury claim is pending.

Types of Pre-Settlement Funding Available in Texas

Texas pre-settlement funding comes in several forms, each designed to help injured plaintiffs manage essential expenses while their case moves through the legal process. It’s important to note that this type of funding is different from a typical “lawsuit loan” since repayment is only expected if you win or settle your case.

1. Auto Accident Funding

Car accidents are among the most common causes of serious injury in Texas, and many accident victims turn to pre-settlement funding to help cover costs while their case progresses. In 2024, 14,095 serious injury crashes were reported in Texas, with 18,218 people sustaining a serious injury.

These cases vary widely, and whether a car accident victim qualifies for pre-settlement funding in Houston or elsewhere in Texas comes down to the circumstances of the crash and the severity of the injuries sustained. Some examples may include:

• Passenger car collisions – If you were injured in a non-fault crash—say, a rear-end collision on I-45 in Houston or a sideswipe in Dallas—you may be eligible. Injuries such as broken bones, whiplash, or a traumatic brain injury that require ongoing treatment can make your case strong.
• Motorcycle accidents – Texas sees many motorcycle-involved crashes. Whether you were injured on I-35 near Austin or during a ride through San Antonio, documented medical expenses and lost income can help support a funding request.
• Commercial vehicle/Truck accidents – Accidents involving big rigs or delivery trucks often lead to significant injuries and large insurance policies, making them well-suited for funding.

2. Slip & Fall/Premises Liability Funding

Slip-and-fall accidents in Texas happen on private property, in stores, apartments, or public places. When property owners are negligent (e.g., poor lighting, wet floors, lack of handrails), these accidents can lead to serious injuries, such as:

• A person who was injured in a fall at a Dallas apartment complex due to missing handrails.
• Someone who fell in a business in Austin because of a poorly maintained staircase and now requires physical therapy.

Because these cases often involve ongoing medical treatment and documented liability, they’re frequently good candidates for pre-settlement funding.

3. Construction-Site & Workplace Injury Funding

Texas is home to a booming construction industry, with massive commercial builds, highway expansions, and residential development happening frequently. Unfortunately, that also means a higher risk of serious injuries on work sites, like the following:

• A Houston construction worker falls from scaffolding, sustains a fractured femur, and needs surgery and rehab.
• In Dallas, a laborer is injured when heavy equipment malfunctions, causing crushing injuries or back trauma.
• A worker in Austin slips on a beam, tears a ligament, and can no longer work for weeks or months.

According to industry data, in 2023, Texas private-sector employers reported 175,900 nonfatal workplace injuries, of which approximately 9,400 were in construction. About 3,400 of those construction injuries required time away from work.

Because construction injury claims tend to involve clear liability, documented treatment, and high costs, they’re often a solid fit for pre-settlement funding.

Other Types of Texas Personal Injuries

In addition to the above claim categories, several other types of personal injury cases may also qualify for funding, including:

FELA (Railroad) Claims

Railroad workers injured on the job can file claims under the Federal Employers’ Liability Act when employer negligence plays a role. Pre-settlement funding helps cover medical treatment, travel, and lost wages while the claim is under review.

Jones Act (Maritime) Claims

Injured seamen and maritime workers may pursue compensation for unsafe working conditions. Because these cases can take time to investigate, pre-settlement funding can provide financial stability throughout the process.

Wrongful Death Cases

Families pursuing compensation after the loss of a loved one due to negligence may use pre-settlement funding to help with funeral expenses, living costs, and income gaps while the lawsuit proceeds.

Types of Injuries That May Qualify for Pre-Settlement Funding

Across auto, slip-and-fall, and construction cases, not every injury qualifies for pre-settlement funding. Pre-settlement funding companies in Texas look for meaningful, documented harm. Some of the injury types and concerns that tend to strengthen a claim include:

• Broken bones/fractures
• Joint dislocations
• Concussions/Traumatic brain injuries
• Spinal injuries or nerve damage
• Deep cuts, lacerations, or soft-tissue injuries
• Permanent disabilities or impairments
• Chronic pain requiring ongoing therapy

If you’re seeing a doctor, attending therapy, or otherwise getting treatment—and if the injury is clearly tied to a negligent party—your case has a better chance of being funded.

How to Qualify for Pre-Settlement Funding in Texas

Before a funding company can provide funding for your case, they need to confirm that your claim is strong, well-documented, and likely to result in a settlement. While every case is unique, most pre-settlement funding companies look for a few core elements that signal your lawsuit has a solid chance of success.

Here’s what you typically need to qualify:

1. Active Legal Claim
   You must have a legitimate, ongoing personal injury case. Usually, this means working with a lawyer who’s already building your claim.
2. Proof of Liability
   The injury must be linked to negligence, such as a speeding driver, a negligent property owner, or unsafe construction conditions.
3. Documented Injury & Treatment
   Medical records, therapy notes, hospital bills, diagnostic tests, and similar documentation are essential.
4. Jurisdiction in a Permitted State
   A lawsuit generally needs to be filed in the state in which the claims arose – the funding company will need to confirm that presettlement funding is available in the state where your case was filed.

Pre-Settlement Funding with Oasis Financial

When you’re dealing with legal, medical, and financial stress after an injury, choosing the right pre-settlement funding company matters. Oasis Financial is a standout choice in Texas. We streamline the process so you can get the assistance you need fast and provide compassionate support every step of the way.

If you’ve been injured in a car accident, slip-and-fall, construction incident, or another type of personal injury in Texas, pre-settlement funding from Oasis Financial can serve as a financial bridge while your case moves forward. Instead of waiting weeks or months for a settlement, you can quickly access the support you need to pay bills, cover medical costs, and focus on recovery.

Ready to explore your options? Contact us today or fill out our simple online application to learn how much funding you might be eligible for.

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. No attorney-client or confidential relationship is or will be formed by use of the site. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction.