Frequently Asked Questions

An inheritance advance is a financial transaction where you sell a fixed portion of your future inheritance in exchange for cash now. It is not a loan. Instead of waiting months or even years for the California probate process to finish, you can access a part of your money in as little as 24 hours. We take on the risk of waiting, and are paid our assigned share directly from the estate when it finally closes.

This is the most important difference. An inheritance advance is fundamentally different from a probate loan, and it's crucial to understand why our service is safer for you.

• Non-Recourse vs. Recourse: Our advance is "non-recourse," which means you have zero personal liability. If the estate has insufficient funds to pay us, we take the loss. You owe nothing. A loan is "recourse," meaning you are personally responsible for repaying the full amount with interest, even if your inheritance never materializes.
• No Credit Check: We don"t check your credit score or income history because we're not lending you money. A loan always requires a credit check.
• No Monthly Payments: With an advance, you make no payments at all. Ever. A loan requires you to make regular monthly payments with interest.
• One-Time Flat Fee: We charge a single, transparent flat fee that is part of the assignment. A loan accrues interest over time, which can be costly and unpredictable.

The money is yours to use however you wish, with no restrictions. It"s your inheritance, just accessed sooner. Our clients use their funds for everything from paying off high-interest debt and covering urgent medical bills to making a down payment on a home or simply managing daily living expenses during a difficult time.

We charge a single, flat fee for our service, which is included in the assignment agreement. There are no hidden charges, application fees, or interest payments. The total cost depends on several factors, including the size of your advance, the complexity of the estate, and the estimated time until the estate closes. We provide a clear, upfront quote so you know the exact cost before making any commitment.

Our "Best Price Guarantee" is our commitment to providing you with the best possible value. If you receive a written offer from another reputable inheritance advance company, simply show it to us, and we will beat their price. We believe you should keep as much of your rightful inheritance as possible.

No. You will never pay anything from your own pocket. Our fee, along with the advanced amount, is paid directly to us from your share of the estate"s assets when probate concludes. The remaining balance of your inheritance is then sent directly to you.

Any legal heir or beneficiary entitled to inherit at least $15,000 from a California estate that is currently in, or about to enter, the probate process is typically eligible to apply. This includes executors who are also beneficiaries.

No. Your personal financial situation, including your credit score, income, and employment history, has no bearing on your eligibility. Our decision is based solely on the details of the estate and your share of the inheritance.

To verify your inheritance, we typically need a few key documents. We can often work with the estate's executor or attorney to gather these items. Common documents include:

• A copy of the decedent"s death certificate.
• A copy of the will (if one exists).
• A copy of the Petition for Probate filed with the court.
• Your valid photo identification.

Our process is designed for speed. Once we receive all necessary documentation, we can often approve your application and wire the funds to your bank account in as little as 24 to 48 hours.

The primary trade-off is cost. In exchange for the convenience and speed of receiving your money now, you will receive less of your total inheritance than if you waited for probate to end. The risk to you, the heir, is minimal. Because our advance is non-recourse, we assume the financial risk. You are not taking on debt and are not personally liable.

This is a risk we take, not you. If the estate"s value decreases due to unforeseen claims or other issues, and your final share is not enough to cover the agreed-upon assignment, you owe us nothing further. We absorb the loss. Your advance is yours to keep, no matter what.

No. An inheritance advance is a private transaction that only involves your specific share of the estate. It has no impact on the amount or timing of the inheritance for any other beneficiaries.

You can still qualify for an inheritance advance even if your loved one died "intestate" (without a will). In this case, California"s intestate succession laws determine who the legal heirs are and what their shares will be. We can help you determine your eligibility at no cost.