21 jurisdictions
Where we fund
Priority states
The twelve we know best
These carry the heaviest injury-claim volume in our footprint and have the deepest state-specific content. Every other state we serve is funded on identical terms.
Outside our map
Where we can’t fund
Most of these are states requiring a license or registration we do not hold, or with a statutory rate cap that conflicts with our flat pricing. In almost all of them a licensed funder can still help you — the exceptions are North Carolina, where the product was banned outright in June 2026, and Alabama, where the courts hold these agreements void. We fund only in the states listed above; if yours is not among them, we do not fund there.
Where a state caps rates below ours, that cap is genuinely good news for you. West Virginia holds funders to 18% a year and Indiana to 36% plus servicing; a funded plaintiff there pays considerably less than someone we fund does.
Alabama
Restrictive — funding agreements held void
Wilson v. Harris, 688 So. 2d 265 (Ala. Civ. App. 1996) — void as against public policy
Colorado
Restrictive — regulated as consumer credit
Oasis Legal Finance v. Coffman, treated under the Uniform Consumer Credit Code
Connecticut
Restrictive — regulated as consumer credit
Small Loan and Related Activities Act, Conn. Gen. Stat. § 36a-555 et seq. — Department of Banking consent orders, 2025
Georgia
Registration required
SB 69 — NMLS registration via the Department of Banking and Finance, effective January 1, 2026
Kansas
Restrictive — regulated as consumer credit
Kansas Uniform Consumer Credit Code — Office of the State Bank Commissioner position on plaintiff advances
Kentucky
Restrictive — champerty and maintenance doctrine
KRS § 372.060 (champerty); Boling v. Prospect Funding Holdings, LLC (6th Cir. 2019)
Missouri
License required
Consumer Legal Funding Act, Mo. Rev. Stat. §§ 436.550–436.572 — licensed by the Division of Finance
Montana
Registration plus a rate cap
Mont. Code § 31-4-103 (Secretary of State registration); § 31-4-104 caps interest at the § 31-1-107 rate and recovery at 25% of the judgment or settlement
New York
Statute plus a company decision
A804C / S1104A — Consumer Litigation Funding Act, effective June 17, 2026
Oklahoma
Registration required
Okla. Stat. tit. 14A, §§ 3-801 to 3-817 — Department of Consumer Credit
South Carolina
Restrictive — regulated as consumer credit
Department of Consumer Affairs Administrative Interpretation 3.104,106-1403 (2014) — Consumer Protection Code
Utah
Registration required
Maintenance Funding Practices Act, Utah Code § 13-57-201 et seq., as amended by HB 280 (2026) — Division of Consumer Protection
In a state we serve? Apply in two minutes.
No credit check, nothing out of pocket, and no cost if we say no. Or call 813-798-5528 and ask.