Can I Get My Inheritance Cash Early?

If one of your loved ones recently passed away, you may have an inheritance. However, before you can receive your inheritance, it may have to go through probate court. It is possible to avoid probate and receive your inheritance quickly if your family member’s estate is simple and small. Some states also allow estates valued below set limits to avoid probate court.

In many cases, however, you must complete the formal probate process before you can receive your portion of the estate. Due to the lengthy probate process, heirs can wait years to receive inherited cash after their loved one passes. This is why many heirs seek to receive a portion of their inheritance early while waiting for the probate process to be completed.

Can I Get My Inheritance Cash Early?

Yes, it may be possible to get a portion of your inheritance cash early. If you will be receiving an inheritance, a cash advance can be the simplest and fastest way to receive your money. Typically, you must receive a minimum amount from your inheritance to be eligible for an inheritance cash advance. This minimum amount varies from company to company. The amount you expect to receive may impact which company is the right choice for you.

To receive some of your inherited cash sooner, consider applying for an inheritance advance. You can generally complete an application in a few minutes. Inheritance advance providers consider factors related to the estate and your inheritance instead of your personal credit or financial information. As a result, you may find it easier to be approved.

The inheritance cash advance company will review your application and verify your inheritance before approving your request. To get the final details, your inheritance advance company will work with the estate administrator to determine the distribution timeline, as this can affect fees and anticipated risks associated with the inheritance.

The application review process can happen very quickly — often that same day. Once completed, if you have been approved, the company will present your advance offer, which you can accept or reject. If you agree to the terms, the money can be deposited into your account as soon as that same day. You can spend it as you wish with no limitations and no required reporting.

How Can I Get My Inheritance Money Now?

Fortunately, you may be able to access your inheritance early by applying for an inheritance cash advance at Inheritance Funding. When you receive a cash advance, you can take the complexity and stress out of an inheritance. We can help you get the cash you seek through an easy process that lets you skip the delays of probate court and get the money you want and deserve.

To get your inheritance money now, follow the steps of our simple advance process:

1. Free consultation: To start the process, you consult with a team member who can answer any of your questions, including those about the process and the costs.
2. Estate review: Next, we collect and review the essential documents of the estate. This review allows us to confirm the estate includes enough cash for us to assist you.
3. Funding: After your advance is confirmed and approved, we wire the cash directly to your account.
4. Payout: Once your loved one’s estate closes, we are paid from your share, and you receive the remaining money.

We have specialized in inheritance cash advances since 1992. We’ve assisted heirs across the nation by advancing more than $280 million of inheritance cash at the lowest available price, and we can offer the same assistance to you.

Benefits of Using Inheritance Funding to Get an Advance Today

At IFC, we can help you receive your inheritance money through cash advances right away. When you choose Inheritance Funding, you can enjoy the following benefits:

• 100% secure: We keep your private information 100% secure, so you can trust your data will be safe.
• Fast, simple process: With Inheritance Funding, you can receive your cash advance right away. When you transfer your documents and forms electronically, you can receive your money the same day you are approved.
• Use your money how you want: Our inheritance cash advances allow you to use your money as you wish. Advances can be used to make a mortgage payment, finance a car, cover costly medical bills or pay off other existing debts — the choice is up to you.
• No hidden fees: We quote you a flat fee upfront, and this is all you will ever pay. You will not have to worry about paying late fees, interest charges or hidden costs. Additionally, we offer substantial rebates to clients who repay early.
• No obligation: Applying for an advance doesn’t mean you have to accept if you’re approved. We’ll answer all your questions about our process, pricing and timeline at a free consultation.

The probate process can be complex, but when you choose Inheritance Funding, we eliminate this complexity. When you apply for an inheritance cash advance at Inheritance Funding, you can enjoy your money immediately. And we guarantee the lowest price!

Risks of Getting an Inheritance Advance

Inheritance advances have few risks for heirs since the provider takes on most of the risk. For example, suppose an unknown creditor makes a claim, or there are insufficient funds for another reason. At IFC, we take the loss. You have no personal liability to repay the advance as long as you provide accurate information, are truthful in your application and honor our agreement.

Because you pay to receive your inherited cash early, an advance does reduce the total amount of your inheritance. You can limit reductions by choosing a provider who charges a flat fee and asking about potential additional or “hidden” fees.

Legal Questions

Here are the answers to some common legal questions about inheritance cash. It’s best to consult a professional to help you navigate your particular situation.

• Do I need to report inheritance cash to the IRS as income? The IRS doesn’t count inherited money as income. However, some states charge an inheritance tax.
• Do I need to pay estate taxes? Individual beneficiaries don’t pay estate tax. Instead, the estate pays estate taxes to the IRS before any assets are distributed to beneficiaries and heirs. Additionally, the estate tax only applies to assets over $13.6 million for 2024.
• Do I need to pay taxes on an inheritance advance? Generally, there are no federal or state taxes on an inheritance advance. It’s best to talk to a tax advisor about potential tax implications for your expected inheritance.
• Does an inheritance advance affect other heirs? No. Transactions are strictly between IFC and the heir receiving the advance. Other heirs or beneficiaries and the estate as a whole are unaffected.
• What documents do I need to apply for an inheritance advance? Different providers have different requirements. At Inheritance Funding, we typically need the death certificate, your photo ID and a notice to creditors, among other documents. We can work with the estate attorney or executor to get the necessary documentation.
• Is an inheritance advance the same as an inheritance loan? No. An inheritance loan — also called a probate loan or an estate loan — is considered a personal loan, meaning you have to make regular payments with interest and offer collateral if you don’t pay back the lender. With an inheritance advance, you technically sell part of your inheritance to IFC with an assignment agreement. It’s not a loan since you don’t pay us back. Instead, we get paid directly from the estate after probate.

Apply Now to Receive an Inheritance Advance

At Inheritance Funding, we are the oldest and largest provider of inheritance cash advances. If you are an heir looking to receive your inheritance money earlier, we can help you receive a portion of your money immediately to be used as you wish.

We know there are time-sensitive financial obligations like funeral costs to be covered after a loved one passes, and receiving a portion of your inheritance earlier can help cover these expenses. At Inheritance Funding, we can offer you the guaranteed lowest price, along with quick and professional service. Apply now to begin processing your inherited cash advance today.