Access a settlement advance against your expected personal injury compensation, with no repayments until your claim settles and your funds are received.
Australia-wide · All online · Non-recourse
Settlement loans aren't one-size-fits-all — they match the stage your claim is at when you apply.
Your claim is still ongoing. Get funding to cover essentials while your solicitor builds and fights your case. Borrow up to 10% of your estimated claim value, with redraws available every 90 days or at significant claim progress.
Your claim has settled, but the payout usually takes another 2–3 months. Since the outcome is crystal clear, we offer a cheaper rate and faster approvals. Borrow up to 30% of your estimated net in-hand, with redraws every 30 days.
We lend only a small portion of your estimated outcome (across all loans) so you keep the lion's share of your compensation.
We move quickly. Final timing depends on three parts: you, us, and your solicitor.
We're lightning fast when it comes to processing applications & assessing your compensation advance.
The overall timeline depends on when the required information is available from both you and your solicitor.
If you need funds urgently, it can help to let your solicitor know you’ve applied (or are about to apply) and that we will contact them for information. Keep in mind that your solicitor may be in court, in conference, or with clients, so timing can depend on their availability.
Both loan types follow the same intentionally simple pricing structure. The only difference is the interest rate based on your claim stage.
We charge a single establishment fee plus interest — no monthly/yearly fees, no admin charges, no hidden add-ons.
Your loan's interest rate is fixed from day one. There are no variable rate adjustments or unexpected increases.
Interest is calculated daily, so you only pay for the time your loan is outstanding. If your claim settles early you pay less — if it runs longer, there are no extension fees.
We don’t believe in fee stacking. If it’s not listed in our pricing, it’s not there.
If you receive interim compensation (e.g. TPD payouts or workers' comp lump sums), you can reduce your balance partially or in full at any time — with no early repayment fee.
Illustrative scenarios to help you understand how costs work in practice.
No. We don't run credit checks or require proof of employment. Your application is assessed entirely on the strength and progress of your personal injury claim, not your income, payslips or credit score.
Non-recourse means you don't repay the loan if your claim is unsuccessful or your compensation proceeds are insufficient to cover the loan. The risk sits with us, not you.
In most cases you won’t need to make repayments yourself. Your solicitor repays the loan directly from your settlement funds when they are received — similar to legal fees and other disbursements.
No. There are no required repayments until your compensation is received and your solicitor distributes settlement funds.
However, you can choose to make partial or full repayments at any time, there are no early repayment fees or penalties. Since interest is calculated daily, paying early reduces the total amount payable.
Settlement loans are available for a range of personal injury compensation claims across Australia.
Loans are available once a claim has been lodged with a solicitor and is progressing through the compensation process.
Compulsory Third Party claims for injuries sustained in car, motorcycle, truck, or pedestrian accidents. Includes both driver and passenger claims.
Common law damages claims for injuries sustained at work. These are distinct from statutory workers' compensation and involve a claim against a negligent party.
Workplace injury loans →Injuries occurring in public places, on someone else's property, or caused by defective products. Includes slip and fall, trip hazards, and occupier liability claims.
Injuries resulting from substandard medical treatment, surgical errors, misdiagnosis, or failure to diagnose. Covers claims against hospitals, GPs, and specialists.
Institutional or historic abuse claims pursued through civil litigation. Excludes claims under the National Redress Scheme.
Psychological injury claims arising from witnessing a traumatic event or its immediate aftermath. Often linked to motor vehicle or workplace incidents.
Claims by dependants following a fatal injury. Compensation covers loss of financial support and services provided by the deceased.
Claims against professionals whose negligence caused injury or loss. Includes claims against solicitors, accountants, engineers, and other professional service providers.
Not eligible: TPD claims, Victims of Crime applications, and National Redress Scheme claims are not eligible for settlement loans.
At Brisbane Capital we're committed to responsible lending, right-sizing the loan to your claim & transparent pricing for personal injury settlement loans.
The documents below outline how our settlement loans operate, including borrower protections & responsible lending obligations.
Each loan application is assessed individually based on the specific circumstances of the claim, including factors such as claim maturity, expected settlement amount, and other relevant considerations. Example timelines, loan amounts or borrowing limits shown on this website are indicative only and are not guaranteed.
Brisbane Capital does not provide legal advice. For advice about your claim or legal rights, please speak with your solicitor or qualified legal adviser.
* WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Last updated: 13 March 2026