If you are a beneficiary waiting on a slow probate process, an advance against inheritance lets you access part of your share now instead of waiting months or years for the estate to close. There is no credit check, no monthly payments, and no personal debt. You simply receive a portion of your inheritance early, and the funding company is repaid directly from the estate when probate concludes.
What is an advance against inheritance?
An advance against inheritance is a cash payment you receive today in exchange for assigning a portion of your expected inheritance to an inheritance advance company. Unlike an inheritance loan, it is not borrowed money. You are selling a share of something you already own: your future inheritance. Because of this, there is no obligation to repay out of your own pocket. When the estate is distributed through the probate process, the company collects the agreed amount from your share of the estate.
This structure is what makes an inheritance cash advance different from traditional financing. There are no interest charges accruing over time and no impact on your credit report.
Advance vs. inheritance loan: know the difference
People often use the terms interchangeably, but they work differently. With an inheritance loan you take on personal debt, pay interest, and remain responsible for repayment even if something goes wrong with the estate. With an advance against inheritance, you receive a flat fee arrangement agreed up front, and repayment comes only from the estate.
The single biggest advantage is non-recourse protection: if the estate ultimately pays out less than expected, the inheritance advance company absorbs that shortfall, not you. That is why many heirs choose an advance over an inheritance loan.
How much of my inheritance can I advance?
You do not have to advance your entire inheritance. Most heirs request only what they need to cover immediate costs such as bills, mortgage payments, funeral expenses, or real estate obligations, and leave the rest to be distributed normally when probate courts close the case. The advance amount available depends on the size of your expected inheritance and the specifics of the estate.
Do I qualify?
Qualification depends on the estate, not your personal finances. Because repayment comes from the estate, most probate advance companies do not run a credit check. What matters is that you are a confirmed heir or beneficiary, that the estate is in probate, and that there is a documented share of the estate coming to you.
To confirm eligibility, a company typically reviews basic documentation such as the death certificate, the will or probate petition, and paperwork showing your expected inheritance. A clearly documented, uncontested estate is easiest to work with. You can review common questions on our inheritance advance FAQs.
How the process works
Getting an advance against inheritance is designed to be simple and fast. First, you request a free, no-obligation estimate. We review your expected inheritance and the estate’s situation, then show you a clear number: the cash you would receive now and exactly what is repaid from your share later. There are no hidden fees and no interest.
Once you accept the terms and your documentation is confirmed, inheritance funding can often be released in as little as 24 hours. You can use the money however you like. When the probate timeline ends and final distribution occurs, the company is repaid directly from the estate.
Why choose Advanced My Inheritance
We focus on transparency: a flat fee agreed in writing before you sign, no credit check, and no monthly payments. Your cost is fixed up front, so even if the probate process takes longer than expected, you never owe more.
To see your number, you can estimate your advance or learn more about how inheritance advances work.
Frequently asked questions
Is an advance against inheritance a loan?
No. It is the sale of a portion of your future inheritance, not borrowed money. There is no interest and no obligation to repay from your own funds.
Will it affect my credit?
No. Because repayment comes from the estate, there is typically no credit check and nothing reported to credit bureaus.
How fast can I receive funds?
Once your documentation is confirmed, funding can often happen within 24 hours.
What if the estate pays less than expected?
With non-recourse funding, the inheritance advance company absorbs the shortfall. Your other assets are not at risk.