Everything you need to know about inheritance advances, probate funding, and how First Heritage Funding works.
An inheritance advance (also called a probate advance or estate advance) lets you receive a portion of your expected inheritance now, instead of waiting for probate to close. It's not a loan — there's no interest, no monthly payments, and no credit check. We purchase a portion of your future inheritance and are repaid from the estate when it closes.
Unlike a loan, you never make any payments to us. There's no interest rate, no repayment schedule, and it won't appear on your credit report. When the estate closes, our share is paid from the estate — not from your pocket. If the estate falls short, you owe nothing.
Most advances are funded within 24 to 48 hours of approval. The review process typically takes 1-3 business days depending on how quickly we can verify estate documents.
Advance amounts depend on the size of the estate and your expected share. We typically advance up to 30-40% of your expected inheritance, ranging from $5,000 to $250,000.
No. Your credit score, income, and employment status don't matter. Approval is based entirely on the estate.
You're never personally liable. If the estate can't cover our share, we absorb the loss. This is a non-recourse advance.
Basic information about the estate: the deceased's name, the state where probate is filed, your relationship as an heir, and a rough estimate of estate value. We handle gathering legal documents.
No. No application fees, no upfront costs, no hidden charges. Our fee is a flat amount deducted from the estate at closing, disclosed fully before you commit.
Potentially. Contested estates are evaluated individually. If your share is likely to survive the dispute, we may still be able to help.
No. Your advance is based solely on your share. Other beneficiaries are completely unaffected.
We serve heirs in 47 states. We are currently unable to fund estates in Maryland, Virginia, or Connecticut due to state regulatory requirements. For all other states, we can help regardless of where you live or where the estate is being probated.
Yes. If you're a beneficiary of a trust being administered, you may qualify for a trust advance.
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