Your compensation claim is strong. The wait is what breaks people. Tideover advances part of your settlement now — one capped repayment, paid out of the settlement itself. If your claim resolves at zero, you owe nothing.
Ten minutes online: who you are, what happened, and who your solicitor is. That's it — we never contact insurers or your employer, and there's no credit check on your past.
10 minutes, onlineWe confirm the claim with your solicitor and both of you sign the Irrevocable Repayment Authority — the document that means repayment happens between us and your lawyer, automatically, at settlement.
Your lawyer stays in chargeMoney lands in your account, and that's the last thing you have to do. No repayments, no interest ticking visibly upward, no direct debits. One capped amount comes out of the settlement — and only if you win.
Repaid once, at settlementEvery dollar you don't borrow is settlement money you keep. That single idea shapes everything in the product — and it's why solicitors refer their clients to us.
Tell us your essential costs and what's still coming in. We work out the smallest advance that actually keeps you steady — and we'll offer you that, even when you asked for more. No other funder sizes downward.
Your portal shows a realistic settlement window for your specific claim — NSW CTP under SIRA, a WorkCover Queensland conference, a TAC resolution — and tightens it as milestones land. The wait is easier when it has a shape.
Every clause of your funding deed carries a plain-English explanation of what it means for you, with your numbers. If you can't understand it, we consider that our failure, not yours.
Funding only proceeds with your solicitor's signature. The portal even drafts your status-update emails to your lawyer for you — because an informed client with an engaged solicitor settles better.
If a cheaper path keeps you steady, take it — seriously. Here's the comparison other funders won't print.
| While you wait, you could… | Cost shape | If your claim fails | Best when |
|---|---|---|---|
| Centrelink hardship / early release | Free or near-free | Nothing to repay | You qualify and it covers the gap. Check this first. |
| Bank personal loan | Interest from day one, repayments start immediately | You still owe every cent | You have income to service repayments now |
| Credit cards | 20%+ compounding | You still owe every cent | Honestly? Almost never for a long wait |
| Tideover advance | One capped amount (1.4×), no repayments while you wait | $0 — the risk is ours | Your claim is strong but settlement is 6+ months away and income has stopped |
Yes, a capped 1.4× can cost more than a serviced bank loan. You're paying for the risk transfer: we only get repaid if you win. If you can comfortably service a cheaper loan, do that instead — and our Runway Planner will tell you so.