Inheritance Funding: Access Your Inheritance Early
Probate can take a year or more. Inheritance funding gets a portion of your inheritance into your account in as little as 24 hours — no credit check, no monthly payments, and nothing owed out of pocket. One flat fee, quoted in writing before you sign.
What Is Inheritance Funding?
Inheritance funding is early access to money you’re already owed: an inheritance funding company advances you a portion of your expected inheritance today, then collects repayment directly from the estate when probate closes. It is not a loan — there’s no interest, no monthly payment, and no personal liability if the estate comes up short.
Heirs use inheritance funding to cover mortgage payments, medical bills, funeral costs, estate expenses, or simply to avoid being forced into selling inherited property at a bad price while probate drags on. Advances range from $25,000 to $500,000, based on the size of your expected share.
How Inheritance Funding Works
Apply Online
2 minutes. We look at the estate, not your credit.
Get Approved
We verify your share with the estate paperwork — most heirs are approved within hours.
Receive Funds in 24 Hours
One flat-fee agreement, signed, funds wired direct to your account.
What Does Inheritance Funding Cost?
One flat fee — quoted in writing before you sign, and fixed no matter how long probate takes. No interest, no application fee, no underwriting fee, nothing out of pocket. If the estate distributes early, you may even qualify for a rebate.
How to Choose an Inheritance Funding Company
Any inheritance funding company you consider should clear seven bars: BBB accreditation, a flat fee quoted in writing, a true non-recourse contract, funding within 24–72 hours, broad state coverage, zero upfront costs, and a plain-English agreement they’ll send you before you commit. If a provider is fuzzy on even one, keep looking.
We published a full, even-handed buying guide — including the red flags and the exact questions to ask any provider: how to choose the best inheritance advance company.
Inheritance Funding vs. an Inheritance Loan
| Inheritance Funding (Advance) | Inheritance Loan | |
|---|---|---|
| Cost structure | One flat fee, fixed in writing | Interest that accrues monthly |
| Monthly payments | None | Required |
| Credit check | No | Yes |
| If the estate falls short | You owe $0 personally (non-recourse) | You remain personally liable |
| Repayment | Estate pays at probate close | You pay, regardless of probate |
Full breakdown: inheritance advance vs. inheritance loan — which is cheaper and safer?
Who Qualifies?
- You’re a named heir or beneficiary of an estate in probate — will, trust distribution, or intestate share.
- Your expected inheritance is at least $25,000.
- The estate holds verifiable assets: real estate, bank accounts, or investments.
Credit, income, and employment are never part of the decision. We fund heirs nationwide, with a heavy California presence and full coverage in the other major probate states.
What Heirs Say
“The flat fee was exactly what they quoted. No surprises, no hidden charges.”
“I shopped three companies. Advanced My Inheritance was the only one that sent the contract before I committed.”
“They worked directly with my attorney. Smooth from start to finish.”
Inheritance Funding FAQs
How fast is inheritance funding?
Most heirs receive funds within 24 hours of approval. The application takes about 2 minutes and approval typically happens the same day.
Is inheritance funding a loan?
No. There’s no interest, no monthly payment, and no personal liability. The advance is repaid by the estate when probate closes — and if the estate falls short, a true non-recourse agreement means you owe nothing personally.
How much inheritance funding can I get?
Advances range from $25,000 to $500,000, based on your expected share of the estate. Most heirs advance a portion of their share rather than the whole amount — it keeps the fee down and leaves the rest of the inheritance untouched.
Do I need good credit to qualify?
No. Approval is based entirely on the estate and your documented share of it. Credit score, income, and employment history are never checked.
What documents do I need?
Typically the death certificate, the will or trust (if one exists), and probate case information. Our team pulls most estate details directly with your county, and we can work directly with your probate attorney.
Does inheritance funding affect the other heirs?
No. The advance comes only out of your share of the estate. Other beneficiaries’ distributions are untouched, and the executor’s process doesn’t change.
Get Your Inheritance Funding Quote in 2 Minutes
One flat fee, in writing, before you sign. No credit check. No upfront costs. Funds in as fast as 24 hours.