What does non‑recourse mean?

All Brisbane Capital settlement loans are non-recourse.

This is a fundamental protection built into every loan we offer — it means your repayment obligation is limited to the proceeds of your claim/s.

The non-recourse guarantee in plain language

Under the terms of your loan contract, your repayment is limited to your net settlement proceeds (the amount you receive after legal costs and disbursements).

This means:

  • If your claim is unsuccessful and you receive nothing, you owe nothing.
  • If your settlement is less than the loan balance, your repayment is capped at what you receive — you are not personally liable for the shortfall.
  • You will never be pursued for any amount beyond your settlement proceeds.

This is not a conditional promise or a discretionary waiver, it is a contractual term in your loan agreement.

Your responsibilities

Non-recourse protection applies automatically and unconditionally, as long as you meet three straightforward obligations:

  1. Be honest with us. Information you provide in your application and during the loan must be true, accurate, and not misleading.
  2. Stay legally represented and keep us updated. You must keep a lawyer acting on your claim while it has reasonable prospects. If you change lawyers (or your lawyer stops acting for you), tell us promptly so we can contact the new firm and confirm the same repayment arrangement.
  3. Don't interfere with the agreed repayment process. When you take out the loan, you authorise your lawyer to repay us from your settlement proceeds and your lawyer acknowledges that arrangement. You must not do anything that prevents or undermines repayment from your settlement proceeds.

These are standard good-faith obligations. They exist to protect the repayment process, not to create loopholes.

If you pursue your claim honestly and keep us informed, non-recourse protection applies in full.

Common questions

No - as long as you meet the three responsibilities listed above. Your repayment is contractually limited to the net proceeds of your claim. You cannot owe more than what you receive.

You repay only from the proceeds available. If the settlement amount is less than the outstanding loan balance, the difference is absorbed by Brisbane Capital.

Yes. The non-recourse protection applies to all Brisbane Capital settlement loan products, including both pre‑settlement loans and post‑settlement advances.

The non-recourse provision is a defined term in your bridging finance contract. It is also referenced in our Target Market Determinations, which are publicly available:

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Every loan we offer includes non-recourse protection as standard.

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