Legatee
Legatee
Probate advances for beneficiaries and funding for family law clients. You repay from the estate or the settlement, never from your own pocket. If the money doesn't come through, we carry the loss.
Working through your solicitor, never around them.
Estates take months to distribute, sometimes more than a year. Your inheritance shouldn't have to wait for the paperwork.
For beneficiaries waiting on a share of an estate
Where an estate is in probate and you're waiting on distribution, we advance part of your entitlement now. Repayment comes from the estate when it distributes. Nothing personal, no monthly payments, no shortfall claim against you if the estate disappoints.
The gap between the funeral and the funds
Funeral costs, debts, inheritance tax, a house move that can't wait on the estate, or simply keeping life going while the grant and administration run their course. If the estate is real and your share is identifiable, the money can be with you long before the final distribution.
A strong case shouldn't collapse because the money ran out. We fund financial remedy claims properly, and get paid from the result.
For financial remedy and children matters
We fund solicitor fees and the ATE insurance premium so a client with a strong claim can run it properly, with the solicitor of their choosing. The premium can roll into the funding so there's nothing to find upfront at all.
That's our problem, not the client's
Funding is contingent. If the settlement or award doesn't cover what's owed to us, the shortfall is ours to absorb. The client is never asked to find the difference from savings, salary, or borrowing. That's what makes this funding, not a loan.
No portals to learn, no reams of paperwork. Usually done through your solicitor in a single conversation.
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We work through firms, not around them. You keep conduct, you keep the client relationship, and you stay in control of the money.
Send us the basics on the matter; an indicative offer comes back within two working days. If the client accepts, the agreement is between us and them, and you stay informed at every step you'd expect to be. We don't approach your client directly without your agreement, and we never give legal advice.
On a probate advance we're repaid from the estate by the executor. On a family case we're repaid from settlement proceeds through your client account. The advance never needs to pass through the client's hands, which removes the flight risk and keeps the file clean.
One fixed fee, known before you sign. Nothing ticks while you wait.
Every case is different, so the fee is quoted when the offer is made: a single figure, in writing, covering the whole advance. No monthly interest running while the estate or the case takes its time, no arrangement fees, no exit fees, no hidden anything.
Repayment = the advance + the fixed fee. That's the whole sum, known from day one.
And if the estate or settlement falls short, you owe nothing. That's in the main terms, not the small print.
Most funders charge interest that rolls up every month while probate or the case runs. Ours is a fixed fee, agreed before you sign, and it never grows. Move the numbers.
Illustrative. Roll-up funders' actual rates are rarely published; the range reflects the market rates most of them charge. Your actual Legatee fee is quoted per case, in writing, before you commit to anything.
One line, in plain numbers: the money coming to you, the advance, our fee, and what's left. Shown to you before the agreement is signed.
You get a reflection window, not a same-day signature. Funding decisions shouldn't be made in a rush, and we won't push.
You're free to take independent legal or financial advice on the agreement. We'd rather you did.
Declined or withdrawn? Your documents are deleted on request, and we confirm it in writing.
A loan is money you owe whatever happens. This is money repaid only from the estate or the settlement itself. Here's the difference line by line.
| A bank loan | A typical funder | Legatee | |
|---|---|---|---|
| Owe it no matter what happens? | Yes | Usually yes | No. Repaid only from the estate or settlement |
| Credit checks | Yes, and they matter | Usually run | None. We look at the estate or the case, not your history |
| Monthly payments | Yes | Rolled up into what you owe | Nothing monthly, ever |
| If the estate or case falls short | Your problem | Usually your problem | Our loss. You owe nothing |
| Cost known from day one? | Yes, if you read the APR | No. It grows every month | Yes. One fixed fee, in writing, before you sign |
Typical funders in this market lend on recourse terms with interest that compounds while you wait. Everything above is what our agreement says, not a marketing line.
Probate advance, illustrative
A beneficiary is due about £90,000 from a £250,000 estate, but probate is moving slowly and she needs £30,000 now: school fees, and repairs to the empty house before it can be sold.
A £30,000 advance is agreed with a fixed fee quoted before she signs. Probate takes 22 months instead of the expected 12. Her fee doesn't move by a penny.
Roll-up funding at 2% a month would have cost about £13,200 by month 22, and more for every month after that. Repayment comes from the estate at distribution, and nothing is paid in between.
Family funding, illustrative
A financial remedy client can't fund his fees, and his solicitor expects the case to run at least a year. We fund £45,000 of fees and disbursements, repaid from the settlement with a fixed fee agreed upfront.
A published competitor charges 19.5% a year, which on £45,000 would cost about £8,775 over twelve months, rising the longer the case runs.
If the settlement had come in under the advance, the shortfall would have been ours, not his. That's the difference a contingent agreement makes, and it's the difference he was paying for.
Both examples are illustrative, not client stories, and the market figures are drawn from published and typical rates in the UK funding market.
Tell us a little and we'll come back within two working days with an indicative view. No obligation, no footprint on your credit file.