Pricing
Transparent probate advance pricing guidance
Final pricing depends on the estate file, probate duration, and complexity, but these examples show how a review is typically framed.
Shorter, cleaner file
60–75%
of inheritance share advanced
Example on $10,000 inheritance
Net to heir: $6,000–$7,500
Estimated 3-6 month probate timeline
No fees. No interest. No repayment risk.
Typical file
55–65%
of inheritance share advanced
Example on $25,000 inheritance
Net to heir: $13,750–$16,250
Estimated 9-12 month probate timeline
No fees. No interest. No repayment risk.
Complex or longer file
50–65%
of inheritance share advanced
Example on $50,000 inheritance
Net to heir: $25,000–$32,500
Estimated 18-24 month probate timeline
No fees. No interest. No repayment risk.
| Feature | Probate Advance | Traditional Loan |
|---|---|---|
| Interest | No interest | Interest accrues over time |
| Monthly payments | None | Required |
| Credit check | Bad credit? Not a problem | Usually required |
| Personal liability | Structured around estate proceeds | Borrower remains personally liable |
| Collateral | None | Often required |
| Repayment source | Estate distribution | Borrower's own funds |
| If estate falls short | Our risk, not yours | Balance usually still owed |
What affects the pricing?
- Expected probate timeline and estate complexity
- Availability and quality of supporting documents
- Number of heirs, disputes, and estate administration risk
- Requested advance size relative to inheritance share
Advance vs. loan
A probate advance is evaluated against the estate and expected distribution, while a traditional loan focuses on borrower repayment. That difference changes both process and risk.