If legal battles related to personal injury lawsuits in Missouri have put a strain on your finances, pre-settlement funding can be a lifeline for you. Pre-settlement funding, unlike loans, isn’t based on credit score but on your lawsuit’s potential. This option provides immediate financial relief without monthly repayments, as the funding company recoups from the settlement. However, if the case is lost, you owe nothing, which is vastly different from loans, where repayment is mandatory regardless of your lawsuit’s outcome.

While both options offer financial solutions during litigation, pre-settlement funding in Missouri is a no-risk option that can provide significant financial relief for many individuals.

Common Types of Pre-Settlement Funding in Missouri

In Missouri, auto accident cases, workers’ compensation claims, and premises negligence incidents frequently qualify for pre-settlement funding. The financial relief offered through legal funding becomes essential for many plaintiffs in these types of personal injury lawsuits.

Car accidents have surged in Missouri, particularly in St. Louis and Kansas City. This trend shows a growing demand for pre-settlement funding options among victims facing lawsuits. With traffic incidents rising, individuals involved in Missouri car accidents often find themselves in great need of financial assistance during lengthy legal battles.

Premises negligence and workplace compensation lawsuits have also risen in Missouri, particularly in St. Louis and Kansas City. Navigating these lawsuits requires expert legal advice, especially since the intricacies of Missouri’s workers’ compensation laws can be complex.

For victims of these types of personal injuries, securing compensation is critical for recovery and financial stability, which is where pre-settlement funding can be beneficial.

Pre-Settlement Funding in Missouri

In Missouri, individuals involved in lawsuits for car accidents, workers’ compensation, and premises negligence (commonly known as slip and fall incidents) seek pre-settlement funding most frequently.

Auto Accidents

Auto accidents can have a significant impact on one’s life and livelihood if injured, creating urgent financial needs. Pre-settlement funding offers crucial support, ensuring victims can sustain themselves while awaiting justice.

Premises Negligence

Premises negligence occurs when a dangerous condition causes a fall or injury and it can be proven that the property owner either created that dangerous condition or that they knew (or should have known) that it existed and did nothing to make it safe.

Victims often face significant financial burdens. Thankfully, pre-settlement funding offers an effective relief pathway, allowing affected individuals to manage their expenses while awaiting the lawsuit’s resolution.

Workplace Negligence

Workplace negligence in Missouri occurs if an employee suffers an injury that was due to negligence on the part of the employer, a fellow employee, or a product, tool, or machine produced by a third party.  This type of injury profoundly affects employees throughout the state and pre-settlement funding delivers crucial financial relief, empowering victims through their legal journey.


Have you been involved in an auto accident in Missouri and need help with pre-settlement funding? Oasis is here to help!

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Auto Accident Lawsuit Funding in Missouri

In most cases, this funding is not a loan but a purchase agreement against your future lawsuit settlement. To be eligible for pre-settlement funding for an auto accident lawsuit in Missouri, you must have a strong case with clear liability against another party and be represented by an attorney. The application process is straightforward: submit details about your accident and legal representation. Approval can occur swiftly, providing fast access to funds for living expenses and medical bills.

In Missouri, auto accident injuries eligible for pre-settlement funding range from whiplash and broken bones to traumatic psychological effects that profoundly impact plaintiffs’ daily lives.

Pre-settlement funding in Missouri covers accidents involving small cars and large semi-trucks. It excludes non-motorized vehicles, boats, and other watercraft due to distinct legal and liability frameworks governing these accident scenarios.

Car Accident Scene at night

Workers’ Compensation Lawsuits

Missouri workers’ compensation laws support injured employees, offering financial compensation during recovery. Understanding Missouri workers’ compensation rules is crucial for navigating these lawsuits effectively.

Workers’ compensation in Missouri provides financial aid and medical care for employees hurt while working, ensuring they receive necessary support. For example, if a Missouri worker suffers an injury while operating machinery at work, they should report the incident promptly, seek medical attention, and file a compensation claim.

It’s important to know that Missouri’s workers’ compensation laws are distinct, mandating employer-provided coverage for on-the-job injuries without fault consideration.

Premises Negligence Lawsuits

In Missouri, victims of premises negligence (widely known as slip and fall accidents), file lawsuits when property owners fail to ensure safe conditions, leading to slip and falls or other injuries. For example, if Jane was browsing in a Kansas City souvenir shop, and she suddenly slipped on a wet floor, which lacked visible warning signs, this negligence might merit a lawsuit.

Common places where slip and fall injuries may occur include:

  • Apartment buildings
  • Stores
  • Office buildings
  • Restaurants
  • Hotels

Workplace Negligence in Missouri

Workplace negligence occurs when Missouri employers fail to ensure a safe environment, leading to injuries. Scenarios include ignored safety protocols and inadequate training. For example, workers might suffer injuries from unaddressed slip hazards in their workplace, inadequate safety equipment, or poorly maintained machinery. Such oversights not only jeopardize workers’ health but also expose employers to potential lawsuits in Missouri, highlighting the crucial role of adherence to safety standards.

Workplace Negligence vs. Workers Compensation

In Missouri, workplace negligence lawsuits involve proving an employer’s direct fault or neglect for an injury, contrasting sharply with workers’ compensation claims that provide benefits for on-the-job injuries and don’t necessitate fault determination.

The former often entails a rigorous legal process, whereas the latter provides a more straightforward path to benefits for injured employees, bypassing the complexities of a fault-based system. This distinction significantly affects how victims navigate the resolution of workplace disputes.

Note that Oasis DOES cover pre-settlement funding for workers’ compensation in Missouri.

person taking notes at a job site

How Does Pre-Settlement Funding Work in Missouri?

In Missouri, there are several important pre-settlement funding steps:

Step 1. Applying For Pre-Settlement Funding

This first pre-settlement funding step involves gathering documents related to your personal injury lawsuit. These documents need to include in detail the incident, your injuries, and any financial losses suffered. Once you have all the necessary documents, you can submit your application.

Prior to applying for funding, it is important to first discuss with your attorney whether pre-settlement funding is a good option for you and your case.

Step 2. Case Evaluation

Funding companies will carefully review your application and evaluate the merits of your personal injury lawsuit. The following factors are used to determine whether your application will get approved and for how much (note, this does NOT include your credit score):

  • Case strength – The probability the case will succeed
  • Extent of damages – The severity of the injuries sustained by the plaintiff
  • Insurance coverage – Is the defendant covered by insurance and, if so, how good is their coverage?
  • Length of case – The expected time frame for the case to settle
  • Jurisdiction – Where the case is taking place

Step 3. Funding Approval

Following the submission of your application, notification of approval is typically sent within 24-48 hours.

Step 4. Pre-Settlement Funding Agreement

After your application is approved, the final step before disbursement of funds is for Oasis Financial to obtain signatures from both the borrower and their attorney. This pre-settlement funding agreement assures set terms and conditions, as well as details about your payment schedule and rates. Once these documents are signed, the funds are released.

Step 5: Pre-Settlement Funding Process

Approved applicants will typically receive funds directly into their account within 24-48 hours. Alternatively, funds can be distributed via ACH or money transfer.



Have you been involved in an auto accident in Missouri and need help with pre-settlement funding? Oasis is here to help!

Apply Now

Advantages of Pre-Settlement Funding

One of the greatest advantages of pre-settlement funding in Missouri is that it can help you manage living expenses while you’re waiting on your settlement. These expenses include:

  • Mortgage/rent
  • Groceries
  • Daycare
  • Transportation
  • Clothing
  • Utility bills
  • Medical costs not covered by insurance

Additional advantages of pre-settlement funding are that:

  • It allows time for negotiation
  • It provides more equitable opportunity (i.e., it levels the playing field between plaintiff and defendant)

Pre-Settlement Funding FAQs

While there are significant advantages that pre-settlement funding provides to a plaintiff, there are also important factors to consider before deciding to go with this option.

What are the Risks of Pre-Settlement Funding?

Pre-settlement funding for personal injury lawsuits is a non-recourse obligation. This means you won’t be responsible for repaying if your case doesn’t win, making the financial risk for you very low. 


Non-recourse means if your lawsuit yields no settlement, you don’t owe anything.

What Is the Probability of Defaulting?

You aren’t at risk of default because Oasis only collects if your case is won.

Choosing the Right Pre-Settlement Funding Company

When selecting a pre-settlement funding company to work with, be sure they have a transparent process, no hidden fees, and a fast approval timeline.

Do You Need Pre-Settlement Funding?

If you’re thinking about applying for pre-settlement funding, you’ll want to evaluate if you truly need it. When making this decision, consider the following factors:

  • Amount of current financial pressure
  • Desire to keep savings untouched
  • Need to stay current on all your bills and avoid debt collectors
  • If you have lost wages due to serious injuries and are out of work for an extended time
  • The duration of the anticipated wait for your personal injury settlement

Why Choose Oasis Financial?

Oasis Financial has been the industry leader for over 25 years and has proudly helped over 350,000 individuals and families get financial assistance when they most needed it. We pride ourselves on personalized customer service and our commitment to compassion.

Coverage for Personal Injury Lawsuit Pre-Settlement Funding in Missouri

Searching for pre-settlement funding in Missouri? We provide funding throughout the state, covering every region:

Kansas City, St. Louis, Springfield, Arnold, Ballwin, Bellefontaine Neighbors, Belton, Blue Springs, Bolivar, Branson, Bridgeton, Cape Girardeau, Carthage, Chesterfield, Clayton, Columbia, Crestwood, Creve Coeur, Dardenne Prairie, Eureka, Excelsior Spring, Farmington, Ferguson, Festus, Florissant, Fulton, Gladstone, Grain Valley, Grandview, Hannibal, Hazelwood, Independence, Jackson, Jefferson City, Jennings, Joplin, Kearney, Kennett, Kirksville, Kirkwood, Lake St. Louis, Lebanon, Lee’s Summit, Liberty, Manchester, Marshall, Maryland Height, Maryville, Mexico, Moberly, Neosho, Nixa, O’Fallon, Overland, Ozark, Poplar Bluff, Raymore, Raytown, Republic, Rolla, Sedalia, Sikeston, Smithville, St. Ann, St. Charles, St. Joseph, St. Peters, Town and Country, Troy, Union, University City, Warrensburg, Washington, Webb City, Webster Groves, Wentzville, West Plains, Wildwood

Work with Oasis Financial

Enjoy a smooth and fast application process when you partner with Oasis Financial. Feel free to check out our FAQ page or contact us to speak with a customer service representative 24 hours a day, seven days a week.

Oasis provides pre-settlement funding, also known as consumer litigation funding, to its customers through different products depending on their state of residence or cause of action. Many consumers will be provided pre-settlement funding in the form of a purchase agreement, which assigns a portion of the pending proceeds from their legal claim. Other consumers, such as those in SC and CO will be offered a funding in the form of a pre-settlement loan, sometimes referred to as a lawsuit loan. These transactions have important differences, therefore, consumers should carefully review and be aware of the type of transaction that is offered to them by any funding company.