What is a probate advance?

A probate advance gives an heir access to part of an expected inheritance before probate closes. The advance is tied to the estate distribution rather than a monthly-payment loan structure.

How should I compare probate advance companies?

Probate advance companies use different processes and timelines. As a probate advance company, we emphasize transparent probate cash advance inheritance funding tied to the expected distribution — not lending against your paycheck or credit line.

What information do you need to review a case?

We usually start with the probate state, heir contact information, estimated inheritance, estate status, and any available court or estate documents.

How does probate advance pricing work?

We purchase a portion of your expected inheritance at a discount. There are no fees, no interest charges, and no monthly payments. The discount depends on case complexity, expected probate duration, and documentation quality.

Is this the same as a personal loan?

No. A probate advance is structured around the future inheritance distribution from the estate. There is no interest, no monthly repayment, and no personal liability. If the estate falls short, that is our risk, not yours.

Do I have to pay back the advance?

No. A probate advance is not a loan and there is no repayment obligation on your part. We purchase a portion of your expected inheritance at a discount, and the transaction is settled from the estate distribution — not from you personally.

When is a probate advance a bad idea?

If the probate estate is about to make a distribution, or you have access to another source of funds, a probate advance might not be for you.

Can I qualify with bad credit?

Credit history is typically not the deciding factor. The estate, probate posture, and inheritance rights usually matter more than credit score.

What if probate has not been filed yet?

Some cases may still be reviewed, but a filed probate matter generally makes qualification much easier because the inheritance path is clearer.

Can I get more than one probate advance?

In some cases, yes. If the estate supports it and there is sufficient remaining inheritance value, additional advances may be available. Each request is evaluated based on the current estate status and documentation.

Can more than one beneficiary get a probate advance?

Yes. Multiple heirs or beneficiaries from the same estate can each apply for their own probate advance. Each request is reviewed individually based on that person's share of the expected inheritance.

What documents do you need?

We normally need the estate inventory, the petition for administration, the case docket, and the will, if there is one.

What if I don't have all the documents?

Not a problem. We can gather the documents we need ourselves, although that might delay the process a bit.

How long does probate usually take?

Many estates take months and some take much longer, especially when there are multiple heirs, creditor issues, real property, or court delays.

How fast can I get my advance?

The process, from start to funding, can take as little as 48 hours. If you have all of the documents we need, same day funding is available. If we have to gather documents ourselves, or the estate is complex, the process might take an additional day or two.

FAQ

Questions heirs ask before applying

A probate advance is a non-recourse purchase of a portion of your expected inheritance. You receive cash now and the advance company collects from your share when the estate distributes — not from you personally, and not from the estate itself. These are the questions heirs ask most, organized by category.

General Process Pricing Eligibility Document Timeline

General

What a probate advance is, how it differs from a loan, and who uses it.

Process

Application, documentation, executor coordination, and funding mechanics.

Pricing

How the discount is calculated, what affects it, and how costs compare to alternatives.

Eligibility

Who can apply, estate size thresholds, and beneficiary verification requirements.

Document

The documents to determine whether we can make a probate advance.

Timeline

How long approvals and funding take, and what affects each stage.

Still have a specific question?

A free written review is the fastest way to get a case-specific answer on eligibility, amount, and timing. There's no credit pull and no obligation — and every offer is in writing before you sign.

Start a free review Call (800) 701-2949

Sources and references

Cornell Legal Information Institute (Current). Probate (Wex Legal Dictionary)
Cornell Legal Information Institute (Current). Non-recourse loan (Wex Legal Dictionary)
Internal Revenue Service (2024). Frequently Asked Questions on Estate Taxes
American Bar Association (2024). Guide to Wills and Estates.

Questions heirs ask before applying

General

What is a probate advance?+

How should I compare probate advance companies?+

When is a probate advance a bad idea?+

Process

What information do you need to review a case?+

Pricing

How does probate advance pricing work?+

Is this the same as a personal loan?+

Do I have to pay back the advance?+

Eligibility

Can I qualify with bad credit?+

What if probate has not been filed yet?+

Can I get more than one probate advance?+

Can more than one beneficiary get a probate advance?+

Document

What documents do you need?+

What if I don't have all the documents?+

Timeline

How long does probate usually take?+

How fast can I get my advance?+

Still have a specific question?

Sources and references

See if you may qualify