An inheritance cash advance lets you receive a portion of your expected inheritance immediately — without waiting months or years for probate to close. It's not a loan, and there's zero risk to you.
An inheritance advance (also called an inheritance cash advance, probate advance, or estate advance) is a transaction where an heir or beneficiary receives immediate cash from their expected inheritance before probate closes. It is not a loan — there are no credit checks, no monthly payments, no interest charges, and no personal liability. The advance is repaid directly from the estate when it settles. Typical advance amounts range from $5,000 to $250,000, and funding can happen within 48 hours.
Because the advance is non-recourse, you owe nothing if the estate doesn’t produce enough to cover it — the advance company absorbs that risk entirely. This is what distinguishes an inheritance advance from a traditional loan or line of credit.
The process is straightforward. You provide basic information about the estate, the deceased, and your relationship as an heir or beneficiary. Our team then reviews the probate petition, will, and other estate documents to verify your inheritance and the estate's assets. Once approved, we wire funds directly to your bank account — typically within 48 hours.
You can use the money for anything: funeral expenses, mortgage payments, medical bills, credit card debt, daily living costs, or anything else. There are no restrictions on how you spend your advance. When probate eventually closes and the estate is distributed, our share is paid from the estate proceeds — not from your pocket.
Qualification is based entirely on the estate — not on you personally. You don't need good credit, a job, proof of income, or collateral. The key requirements are simple: you must be a named beneficiary or legal heir of an estate currently in probate (or a trust being administered), and the estate must have sufficient assets to support the advance.
We work with heirs across 47 states, regardless of whether the estate is simple or complex, contested or uncontested. Even if you have bankruptcy, foreclosure, or judgments on your record, you can still qualify. (We are currently unable to serve estates in Maryland, Virginia, or Connecticut due to state regulatory requirements.)
Inheritance advance amounts typically range from $5,000 to $250,000, depending on the size of the estate and your expected share. Most companies advance up to 30-40% of your anticipated inheritance. The exact amount is determined after reviewing the estate documents and confirming the value of the assets.
There's no minimum estate size to apply. Whether your expected inheritance is $20,000 or $2,000,000, we can evaluate your situation and provide a quote.
Approval is based on the estate's assets, not your credit score, income, or employment status.
No interest, no monthly payments, no debt on your credit report. It's a simple assignment of future inheritance.
Once approved, cash is wired directly to your account — often within one to two business days.
If the estate doesn't pay out enough, you owe nothing. The risk is entirely on the advance company.
Funeral costs, mortgage, medical bills, legal fees, daily living — there are no restrictions on use.
We serve heirs across the country. Currently unavailable in Maryland, Virginia, and Connecticut.
No. An inheritance advance is fundamentally different from a loan. With a loan, you borrow money and are personally responsible for repaying it with interest. With an advance, we purchase a portion of your future inheritance — you never make payments, there's no interest, and if the estate falls short, you owe nothing.
Most inheritance advances are funded within 24 to 48 hours of approval. The review process typically takes 1-2 business days depending on how quickly estate documents can be verified with the court and estate attorney.
You'll need basic information about the estate — the deceased's name, approximate value of the estate, the estate attorney's contact information, and the probate court where it was filed. We handle gathering the actual legal documents.
Potentially, yes. Contested estates are evaluated on a case-by-case basis. If your share of the estate is likely to survive the contest, we may still be able to provide an advance.
Your credit score is completely irrelevant. We don't run credit checks because the advance is based on the estate's assets, not your personal financial history. Bankruptcy, foreclosures, and judgments do not disqualify you.
Costs vary based on the estate size, your share, and the expected timeline for probate to close. We charge a flat fee that's fully disclosed upfront before you commit — no hidden charges, no compounding interest, no surprises.
Yes. If you're a beneficiary of a trust that's being administered, you may qualify for a trust advance. The process is similar to a probate advance.
No. Your advance is based solely on your share of the estate. Other heirs' and beneficiaries' portions remain completely unaffected.
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