Personal injury plaintiffs often find themselves in difficult situations while waiting for their claims to be settled, which can take months or even years to finalize. During this distressing time, pre-settlement funding can offer much-needed relief by covering daily expenses while they recover or take time off work. However, the excessive interest rates from traditional funders unfairly inflate plaintiffs’ debts, leaving them with a fraction of the settlement.

Recognizing the lending practices that plague many consumers, two industry veterans—a former chiropractor with nearly three decades of experience and a seasoned personal injury attorney—laid the foundation of Money First Funding. The company aims to redefine consumer litigation funding through responsible lending practices.

“Our goal is to create a model that puts clients first and provides a sustainable, affordable financial option that genuinely benefits them,” says Michael W. Barney, owner of Money First Funding.

The Founders’ combined expertise offers a unique perspective in the litigation funding process, enabling them to take a compassionate approach toward the hardships individuals face. They are committed to lending funds before the final settlement through a client-centric approach focused on affordability and accessibility.

Money First Funding’s ability to offer advances on settlements at low interest rates is a key differentiator, setting them apart from others in the industry. The company charges a small, one-time fee per client per case without any additional hidden fees. While most lenders impose a 40 percent annual interest rate, Money First Funding offers a semi-annual charge of 18 percent, and nothing is ever compounded. For instance, clients who borrow $1,000.00 are asked to pay a one-time contract fee of $100.00. In an assumption of the case settling within five months, the client would only pay $180.00 in interest, unlike others lenders seeking up to $400.00 for a similar circumstance.

Clients can access funding support through Money First Funding’s online portal, phone calls and attorney referrals. Funding is deposited directly into the client’s bank account or facilitated via check.

For their convenience, the company has collaborated with Nevada State Bank, where clients can cash checks free of cost without any charges. Money First Funding has forged strong relationships within the legal industry that streamline the client onboarding process. The company gathers all the information about personal injury cases through one-on-one interactions with both clients and legal representatives for detailed vetting.

Our goal is to create a model that puts clients first and provides a sustainable, affordable financial option that genuinely benefits them


Establishing communication with attorneys helps Money First Funding stay informed about the loan terms for an optimal outcome. It adjusts the loan amount based on feedback regarding repayment feasibility, including interest considerations.

In collaboration with attorneys, Money First funding guides clients in their best interest and speeds up the resolution of a lawsuit to enable plaintiffs to receive funds faster. The company also advises clients against borrowing excess funds for their immediate needs. Clients involved in accidents often approach the firm, citing lapses in car rental payments or other expenses and seeking substantial financial assistance. Money First Funding carefully evaluates their genuine requirements and helps them borrow lesser sums with the option to secure additional funds as required later, eliminating unnecessary interest charges.

Dedicated to consistently delivering exceptional service, the company goes the extra mile to address clients’ needs and concerns. Today, Money First Funding stands out as a leader in promoting responsible consumer litigation funding, placing clients’ well-being and interest at the center of its approach.