Immediate Inheritance Loans
Inheritance Loans: Lightning-Fast Cash Advances For Heirs
An inheritance loan from TriMark can give heirs access to their money in as little as 3-4 hours, with a lowest rate guarantee, world-class service, and the fastest funding in the business.
America’s Best Inheritance Loan Company
Inheritance loans are a fast, innovative, and risk-free way for heirs to receive immediate financial relief. Inheritance loan advances can enable you to cover urgent expenses and start enjoying your newfound wealth until the probate process has been completed.
Inheriting Money Is Unusual, So Congrats!
Inheriting money in the US definitely puts you in the statistical minority, so congratulations!
Nearly 80% of all households in the US will not inherit anything, and of those who do inherit, most receive far less than expected.
According to the Federal Reserve, “less than a third of all households inherit any money, [and] between 70% and 80% of households receive no inheritance at all.”
Inheritance Loans: Get Your Money Now
Who offers the best inheritance advance near me?
Cash-strapped heirs discovered a long time ago that fast, risk-free inheritance loans from TriMark Legal Funding—one of America’s oldest and best inheritance advance companies—can be an absolute game-changer, especially in the hands of financially savvy heirs intent on maximizing the potential that their new inheritance affords them, before the probate process is completed.
An Inheritance Loan Gives You Options
Do you have debt to eliminate, urgent expenses to cover, financial challenges to tackle, investments that are too good to pass up, or a business idea whose time has come?
Or maybe you just want a taste of the freedom and lifestyle you’ve always dreamed of, and now that your inheritance will make it happen, you’re excited and eager to start living it.
An inheritance loan from TriMark can bring all those things to life and more by giving you immediate, unprecedented access to your future inheritance money, even if probate is still in full swing, and there’s no end in sight.
Inheritance loans can give you the power to take back control of your finances—starting right now—regardless of any delays, challenges, or roadblocks that life, or probate, decides to throw into your path.
Inheritance Loans Give Heirs A Powerful Choice
Inheritance advance loans offer heirs a new and exciting option: the ability to stop waiting for the probate process to conclude, and instead, start using and enjoying a substantial portion of their inherited wealth immediately.
Until inheritance loan companies like TriMark made inheritance loans available in most states, early access to an heir’s inheritance funds was virtually unheard of.
Before inheritance funding became available, the only way heirs received their inheritance was after enduring endless waiting, countless delays, and outlasting the probate timeline.
Are you ready to see how much you’re eligible for?
Inheritance Advance: Get The Cash You Need FAST!
Apply now; receive funds as soon as tomorrow! ┼
Inheritance Funding Is A simple 3-Step Process
For most counties in the United States, all of the probate documents required for an inheritance are available online. That means our processors can order your documents and begin reviewing them immediately after you apply.
After review, approval, and electronic document signing, funds are wired directly to your bank account so they’re available for immediate use.
2. Case Review
3. receive Your Funds
An Inheritance Loan Is Fast And Flexible
Inheritance loans can be approved and funded quickly; so quickly, in fact, that if you applied for an inheritance loan right now, it is possible that the funds you need could be wired into your account as soon as today or tomorrow.┼
Risk-free inheritance loans from TriMark are designed to eliminate financial pressure and alleviate probate-related stress and worry, so there are no credit checks, and it’s always free to apply for an inheritance loan from TriMark.
How Are Inheritance Loans Repaid?
Inheritance loan companies are repaid automatically as soon as probate is closed and the estate is distributed, using an assignment document.
Repayment is deducted from the heir’s share of the estate before it is distributed and applications to the inheritance loan company. Everything remaining after the funder has been paid is then applications directly to the heir.
Are you ready to see how much you’re eligible for?
Frequently Asked Questions
FAQ: Inheritance Loans
📄 How do inheritance loans work during a long probate delay?
Inheritance loans—also called inheritance advances—give heirs immediate access to a portion of their future inheritance while probate is still pending.
Probate delays are common, especially in states with mandatory court supervision, creditor claim periods, or estates involving real estate, business interests, or beneficiary disputes. When probate drags on for months or years, an inheritance loan allows an heir to access funds now rather than wait for the court to finalize the estate.
The process is straightforward. First, the funding company reviews the estate, verifies the heir’s interest, and confirms that the inheritance is legally documented.
Unlike traditional loans, inheritance loans do not require credit checks, income verification, employment history, or collateral. Approval is based solely on the estate’s value and the heir’s share. Once approved, the heir receives a lump‑sum cash advance—often within 24 to 48 hours.
The funding company is repaid directly from the heir’s distribution at the end of probate. If probate takes longer than expected, the heir is not penalized, charged interest, or required to make monthly payments. The risk is carried by the funding company, not the beneficiary.
This structure makes inheritance loans especially useful for heirs facing financial hardship, funeral expenses, legal fees, mortgage payments, or urgent personal needs while waiting for the estate to settle. Probate timelines vary widely by state, and many courts publish their own guidance on expected delays.
For example, the US court system outlines why probate can take months or years, depending on complexity.
For heirs stuck in a long probate process, an inheritance loan provides immediate liquidity, financial stability, and the ability to move forward without waiting for the court’s schedule.
📄 What information do I need to apply for an inheritance loan or advance?
Applying for an inheritance loan requires far less documentation than a traditional loan. Because probate funding companies focus on verifying the estate—not the heir’s personal finances—the process is simple, fast, and low‑friction. Most heirs need only provide basic estate details, proof of identity, and verifiable proof of their beneficiary status.
Typically, the funding company will request the decedent’s name, date of death, the county where probate was filed, and the probate case number, if available. If the executor has already provided documents such as the will, letters testamentary, or a probate petition, this can expedite the review process. However, heirs can still qualify even if they do not yet have access to all estate paperwork.
The heir must also provide a government‑issued ID, such as a driver’s license or passport. No credit checks, income verification, tax returns, or bank statements are required. The funding company independently verifies the estate using public probate filings, county court records, and communication with the executor or estate attorney.
Many states provide online access to probate case information. For example, California’s statewide case search portal allows users to look up probate filings by county.
The goal is to make inheritance funding accessible even for heirs who are overwhelmed, out of state, or unfamiliar with probate. If the estate is in probate and the heir’s share is documented, the approval process is typically fast and straightforward.
📄How much of my inheritance can I access with an inheritance advance loan?
Most heirs can access approximately 35-40% of their expected inheritance, depending on the estate’s value, complexity, risk, and other factors.
The exact amount you are approved for will vary estate by estate, but our goal is to provide meaningful liquidity while ensuring that a significant portion of the heir’s share still remains after probate is closed and the inheritance advance is repaid.
An inheritance loan company evaluates the estate’s gross value, outstanding debts, real estate holdings, creditor claims, and the heir’s percentage share. Estates with high‑value assets—such as real estate, investment accounts, or business interests—often support large inheritance advances.
On the other hand, estates with low valuations, unresolved disputes, tax issues, or uncertain valuations may qualify for smaller inheritance advances until more information becomes available.
Heirs do not need to know the exact value of the estate. The funding company conducts its own independent review using probate filings, public records, and communication with the executor. Real estate values are verified through county assessor data, market comparisons, or existing appraisals.
The advance amount is determined at the time of funding. If the estate ultimately distributes more or less than expected, the heir’s obligation does not change. This structure protects heirs from risk while giving them immediate access to cash during probate.
📄Can I get an inheritance loan if the estate has real estate that hasn’t sold yet?
Yes. Inheritance advance loans are extremely common in estates where most of the value is tied up in real estate that has not yet sold.
Real estate is one of the biggest causes of probate delays—properties must be appraised, maintained, insured, cleaned out, listed, marketed, and eventually sold before the estate can distribute funds. These steps can take months or years, especially if the property requires renovation or more than minor repairs, has title issues, or is situated in a slow market.
During that time, heirs have had little choice but to wait patiently for the real estate to be sold, probate to be completed, and then to finally have access to their inheritance.
Inheritance funding companies routinely advance money to heirs based on the expected proceeds from real estate sales. The company verifies the property’s estimated value using county assessor data, comparable sales, or existing appraisals. They also review outstanding mortgages, liens, taxes, and other obligations to determine the estate’s net equity.
As long as the estate has sufficient value after debts and taxes are paid, heirs can qualify for an advance even if the property has not yet been listed or appraised. Real estate valuation is straightforward because public records are available in most counties.
For heirs waiting on a property sale, an inheritance advance provides immediate liquidity without forcing them to wait for the real estate market, the executor’s timeline, or the court’s schedule. It’s one of the most common use cases for inheritance funding.
📄Can multiple heirs get inheritance advances from the same estate?
Yes. Multiple heirs may receive inheritance loans from the same estate, provided each heir has a documented share, and the estate has sufficient value to support multiple advances.
Each heir’s advance request is evaluated independently, and one heir’s decision to take an advance does not affect another’s eligibility.
The funding company reviews the estate’s total value, outstanding debts, taxes due, real estate holdings, and the percentage allocated to each beneficiary. If the estate includes high‑value assets—such as a home, investment accounts, or business interests—there is usually enough equity to support advances for multiple heirs.
Each heir signs a separate agreement, and each advance is repaid from that heir’s individual distribution when probate closes.
This structure is especially useful when heirs have different financial needs. One heir may need immediate funds for housing, medical bills, or legal fees, while another may prefer to wait for the final distribution. Inheritance funding allows each heir to make independent decisions without impacting the others.
As long as each heir’s share is clearly defined, multiple inheritance advances are common and straightforward.
📄What happens if probate takes longer than expected after I receive an inheritance advance?
Nothing changes for you, and the inheritance funding company will continue to wait patiently for probate to close; however long it takes.
Inheritance advances do not require monthly payments, interest charges, or penalties tied to the length of probate. Whether probate takes six months or three years, your repayment amount stays the same. The funding company assumes the risk of delay—not you. This is one of the biggest advantages of inheritance funding.
Traditional loans accrue interest over time, plus additional interest, penalties, and fees if it takes you longer to pay off than originally agreed. But inheritance advances are structured differently. The repayment amount is determined before funding and does not change, regardless of when the final distribution occurs.
If probate drags on due to real estate issues, tax complications, disputes, or court backlogs, it will not affect you or your inheritance.
Because inheritance advances are non‑recourse, you are never personally liable for repayment. If the estate’s value changes or assets sell for less than expected, the funding company absorbs the loss.
For heirs facing long, unpredictable probate timelines, inheritance funding provides financial certainty and protection from delay‑related risks.
📄 How do inheritance loans work when the estate includes property in multiple states?
Probate takes longer, often considerably longer, depending on how many states the property is located in. But from an inheritance loan perspective, nothing changes; our evaluation, approval, and funding processes are no different from those for estates with all assets located in a single state.
When an estate includes property in multiple states, probate becomes more complex and often significantly slower, which is why many heirs turn to inheritance funding.
Multi‑state estates typically require ancillary probate, meaning the primary probate case is opened in the decedent’s home state, and additional probate cases must be opened in each state where other property is located.
This process can add months or years to the timeline, leaving heirs unable to access their inheritance until every property is legally transferred or sold.
Inheritance funding companies are very familiar with multi‑state estates and can still provide an advance as long as your share is documented and the estate has sufficient value.
The company reviews the primary probate case, the ancillary filings, property valuations, outstanding mortgages, and expected net proceeds from each state. Because real estate records are public, verification is straightforward even when multiple jurisdictions are involved.
You do not need to manage any of this paperwork yourself. The funding company handles the research, communicates with the executor or estate attorney, and confirms your share. After approval, you can receive funds within 2–48 hours (same day or next business day), long before the multi‑state probate process finishes.
For heirs stuck in multi‑state probate, an inheritance advance provides immediate liquidity, financial stability, and relief from long administrative delays.
📄Can I get an inheritance advance if I am only receiving a percentage of the estate instead of specific assets?
Yes. Inheritance advances work extremely well for heirs who are receiving a percentage‑based share of the estate rather than specific assets.
Many wills divide the estate by percentage—for example, “each child receives 25%”—and this structure is easy for funding companies to evaluate.
Because your share is tied to the estate’s total value, the funding company can calculate your expected distribution using probate filings, asset inventories, real estate valuations, and creditor claims.
Percentage‑based inheritances are common in estates with multiple heirs, blended families, or complex asset mixes. They are also standard in intestate estates (when someone dies without a will) because state law distributes assets according to statutory percentages.
Funding companies review the estate’s gross value, subtract debts and taxes, and determine your estimated percentage‑based distribution. As long as the estate has sufficient net value, you can receive an advance even before the final accounting is complete.
Percentage‑based inheritances often take longer to distribute because the executor must value every asset before calculating shares. Inheritance advances from TriMark bypass this delay and provide you with immediate access to funds while the estate completes its valuation process.
📄 Can heirs living outside the US get an inheritance advance on a US estate?
No. To be eligible for an inheritance loan from TriMark Legal Funding, heirs must reside in the United States, excluding Colorado, Connecticut, Maryland, New Hampshire, and Virginia.
See: inheritance loan availability by state.
📄 Is an inheritance advance safe and legally protective of heirs and beneficiaries?
Yes, they are completely safe. Inheritance advances are structured to provide immediate funds to heirs and beneficiaries while shielding them from any personal liability for repayment.
Unlike traditional loans, inheritance advances do not require monthly payments, interest charges, or any sort of credit‑based underwriting. The funding company is repaid directly from your future distributions, so you will never owe any money out-of-pocket.
The advance is non‑recourse, meaning the funding company assumes the risk—not you. If the estate’s value changes, assets sell for less than expected, or probate takes longer than anticipated, your repayment amount does not increase. You are never personally responsible for covering shortfalls.
Additionally, nothing about an inheritance advance will ever touch your credit reports. There is no credit pull to qualify for an advance, so your credit scores are unaffected. There are no monthly payments to report. There is no debt balance to report because it’s your money, not a debt obligation. And large inheritance advances aren’t reported because it’s your money, not a credit line.
To ensure safety, reputable funding companies provide transparent terms, clear documentation, and no hidden fees. You may also choose to have your attorney review the agreement. Probate law protects heirs from personal liability for estate debts.
For heirs seeking immediate liquidity without taking on debt or financial risk, inheritance advances provide a safe, legally protected solution.
📄 How do inheritance advances help heirs facing financial hardship during long probate delays?
Inheritance cash advances are usually the fastest, most practical, and least disruptive solution for heirs experiencing financial hardship while the probate process proceeds.
Probate delays are exceedingly common—practically inevitable, especially when estates involve real estate, tax issues, creditor claims, disputes among beneficiaries, and ancillary probate—when the estate’s personal property, business interests, or real estate holdings are situated in multiple states and legal jurisdictions.
During these delays, heirs may face urgent financial needs, including rent, mortgage payments, medical bills, funeral costs, legal fees, and everyday living expenses. Because probate freezes estate assets until the court authorizes distribution, heirs often cannot access funds to which they are legally entitled.
For many heirs, their inheritance isn’t a “windfall”; it is simply a continuation or final disbursement of ongoing housing and other financial support they were already receiving from the decedent before the decedent’s passing and final bequest. Probate can be especially disruptive for this type of heir because, when estate assets are frozen during probate, their sole means of financial support is frozen as well.
An inheritance advance can resolve these issues quickly and discreetly by giving heirs immediate access to a portion of their future inheritance. Approval is based on the estate’s value—not the heir’s credit score, income, or employment history—so the process is fast and accessible. Most heirs receive funds within 24 to 48 hours, allowing them to stabilize their finances without taking on debt or monthly payments.
The advance is repaid directly from the heir’s distribution when probate closes. There are no interest charges, no personal liability, and no penalties if probate takes longer than expected. This structure protects heirs from financial strain and gives them the flexibility to manage urgent expenses while the estate moves through the court system.
For heirs who cannot afford to wait for the court’s schedule, inheritance advances provide immediate liquidity, financial stability, and the ability to move forward without sacrificing their inheritance rights.
📄 Can I receive more than one inheritance advance during probate?
Yes. Many heirs receive multiple inheritance advances during probate, especially when the estate is complex or when delays exceed expectations.
Probate can take years when real estate must be sold, tax issues must be resolved, or disputes arise among beneficiaries. During that period, heirs may need additional funds for living expenses, legal fees, or unforeseen financial needs.
Additional advances may require a new evaluation of the estate’s remaining value and the heir’s updated share. The funding company reviews new probate filings, updated inventories, creditor claims, property sale status, and any changes in estate value. As long as the heir’s remaining distribution is large enough to support another advance, approval is typically fast.
Multiple advances are common in estates involving real estate, litigation, business assets, or tax complications. Because inheritance advances do not require credit checks, income verification, or monthly payments, they remain accessible even if the heir’s financial situation changes during probate.
Probate law allows beneficiaries to assign portions of their inheritance multiple times, as long as the assignments are properly documented.
For heirs who need ongoing access to funds, multiple inheritance advances provide flexibility and financial stability throughout the entire probate process.
📄 How long does it take to get an inheritance advance?
Most heirs receive an inheritance advance within 4 to 48 hours (same day or next business day) after submitting basic estate information, even when probate is severely delayed.
Probate delays are common—especially in states with mandatory creditor claim periods, real estate that must be sold, or estates involving disputes among beneficiaries. These delays can stretch probate from months to several years, leaving heirs unable to access funds they’re legally entitled to. Immediate inheritance funding can eliminate this by giving beneficiaries immediate access to a portion of their future inheritance without waiting for the court’s timeline.
The speed comes from the inheritance funding structure. Approval is based on the estate’s value and the heir’s documented share—not the heir’s credit score, income, or employment history. There are no appraisals, no underwriting delays, and no personal financial documentation required. The funding company verifies the estate using probate filings, public records, and communication with the executor or estate attorney. Once verified, funds are wired directly to the heir’s bank account.
Probate delays are well‑documented. For example, the American Bar Association explains why even simple estates often take six months or longer to close, and complex estates can take years.
For heirs facing urgent expenses—funeral costs, medical bills, mortgage payments, legal fees, or everyday living costs—an inheritance advance provides immediate liquidity and financial stability. Whether probate is delayed due to real estate, tax issues, or court backlogs, heirs can access funds quickly and avoid being trapped by the court’s schedule.
📄 Can I get an inheritance advance before probate officially opens?
You can apply for an advance, and we can evaluate and approve your request, but we cannot fund an inheritance advance until there is a probate case number.
Inheritance funding companies must verify that a valid probate case exists before issuing an advance, and that verification is only possible once the court has formally accepted the probate petition and assigned a case number.
Probate must be open so the case number, filings, and estate details appear in the public record. This ensures the funding company can confirm the estate’s legitimacy, the decedent’s information, and your legal status as an heir.
Before probate opens, there is no court‑validated documentation, no letters testamentary, and no official record of the estate’s assets or beneficiaries.
Without these, the funding company cannot issue a probate advance. Once probate is opened, even if it’s only been active for a single day, the company can immediately begin reviewing the petition for probate, the will (if applicable), the proposed executor, and the initial asset disclosures. This allows them to verify your share and determine whether the estate has sufficient value to support an advance.
Probate opening procedures vary by state, but all require a formal filing before the estate becomes legally actionable. Many courts provide clear guidance on the minimum requirements to open probate, including initial filings, notice requirements, and steps for appointing an executor.
Once probate is officially open, the inheritance funding process moves quickly. Most heirs receive their advance within 2–48 hours (same day or next business day) after verification, approval, and return of an executed funding agreement, providing them with quick access to cash while the estate proceeds through the probate court system.
📄 Does taking an inheritance advance affect my final distribution?
No. Taking an inheritance loan does not change the amount the estate ultimately distributes to you. Your legal share of the estate remains the same. The only difference is that a portion of your distribution is assigned to the funding company as repayment for the advance you received.
Here’s how it works: When probate closes, the executor distributes assets according to the will or state law. Instead of sending your full distribution to you, the executor sends the assigned portion directly to the funding company and remits the remainder to you. There are no penalties, no interest charges, and no additional fees, regardless of the duration of probate.
Your inheritance rights remain fully intact. The advance does not affect other beneficiaries, does not change the executor’s responsibilities, and does not alter the estate’s accounting. It simply expedites access to funds to which you are already entitled.
For heirs who need immediate liquidity while preserving their inheritance rights, inheritance loans from TriMark provide a safe, legally protected way to access funds without altering the final distribution.
📄 Do I need good credit and verifiable income to get an inheritance loan?
No. Inheritance loan companies like TriMark do not check your credit, verify your income, or require employment history. In fact, you could have terrible credit and be unemployed and still qualify for an advance on your inheritance.
That’s because inheritance funding approval is based entirely on the estate’s value and your documented share of it—your personal finances and financial circumstances have nothing to do with it. This makes inheritance advances accessible to heirs who may have poor credit, limited income, recent job changes, or financial hardship.
Unlike traditional loans, inheritance advances are not underwritten based on default or nonpayment risk. There are no monthly payments, no interest charges, and no personal guarantees. The funding company will be repaid directly from your future inheritance upon probate closure. Because repayment comes from the estate—not from you—your personal financial circumstances are irrelevant, so the company has no need to evaluate your creditworthiness.
The company verifies the estate using probate filings, public records, property data, and communication with the executor or estate attorney. They may review the will, letters testamentary, asset inventory, or real estate valuations. But they do not request tax returns, pay stubs, bank statements, or credit reports.
This structure is supported by probate law, which makes clear that heirs are not personally responsible for estate debts or obligations.
For heirs who need fast access to cash but want to avoid traditional lending, inheritance funding offers a simple, credit‑free solution.
📄 Can I get an inheritance loan if the will is being contested?
It depends on who is contesting the will, the grounds for contesting it, the evidence supporting the contest, and whom they are contesting against.
Probate disputes are common, and contested wills can delay distribution for years.
During that period, heirs often face financial pressure while awaiting the court’s resolution of the dispute. Inheritance funding companies can still fund inheritance advances in contested estates, provided your legal claim to inherit is well‑documented, legally supported, and is not being contested.
The funding company will evaluate the dispute by reviewing probate filings, objections, petitions, mediation records, and statements from attorneys. They assess whether you are likely to receive a distribution upon resolution of the dispute. If your claim is credible and the estate has sufficient value, funding is often still possible.
Contested estates frequently involve allegations of undue influence, lack of capacity, executor misconduct, or disagreements among beneficiaries. These disputes can take years to resolve, and inheritance funding provides a way for heirs to access cash without waiting for litigation to finish.
State courts publish detailed guidance on will contests.
If your legal interest is strong and the estate has adequate value, an inheritance advance can provide immediate financial relief even during an active dispute.
📄 Can I use an inheritance advance to pay legal fees or estate‑related expenses?
Yes. Many heirs use inheritance advances specifically to cover legal fees, probate costs, estate administration expenses, and other financial obligations that arise while the estate is tied up in court.
Simply put, an inheritance loan is your money, so you are free to use your money however you decide.
Probate often requires upfront payments for attorney retainers, court filings, property maintenance, appraisals, tax preparation, and other administrative tasks. When the estate lacks liquid cash—or when the executor cannot release funds until the court authorizes it—heirs may be forced to pay these expenses out of pocket.
An inheritance advance solves this problem by giving you immediate access to funds you’re already entitled to receive. And because inheritance advances are not loans, you do not take on personal debt, monthly payments, or interest charges. The probate advance is repaid directly from your future distribution when probate closes.
This makes it a practical solution for heirs who need to fund litigation, cover property upkeep, or pay probate‑related expenses without draining personal savings.
Heirs involved in disputes or will contests often use advances to pay their attorneys. Probate litigation can be expensive, and cases can drag on for years. An advance allows you to pursue your legal rights without financial strain.
Whether you need funds for legal fees, property repairs, taxes, or personal expenses during probate, an inheritance advance provides fast, flexible access to cash without waiting for the estate to settle.
📄 Can I get a loan on my inheritance if the estate includes retirement accounts, life insurance, or payable‑on‑death assets?
Yes — but with an important distinction.
Retirement accounts, life insurance policies, and payable‑on‑death (POD) accounts do not go through probate when they have named beneficiaries. That means they cannot be used as collateral for an inheritance advance because they are not part of the probate estate.
However, if these accounts are payable to the estate, or if no beneficiary is named, they become probate assets — and in those cases, they can support an inheritance advance.
Funding companies evaluate whether the retirement account or insurance payout is part of the probate estate by reviewing the will, probate filings, and beneficiary designations. If the asset is payable to the estate, it is treated like any other estate asset and can be used to determine your eligible advance amount.
Life insurance rules vary by state, but if the estate is the beneficiary — or if no beneficiary is listed — the proceeds flow into probate and can be used to support an advance.
If your inheritance includes a mix of probate and non‑probate assets, the funding company will base your advance solely on the probate portion. This ensures the advance is legally compliant and fully supported by estate assets.
📄 Can I get an inheritance advance if the estate has debts, taxes, or liens?
Nearly all estates have some level of unpaid debts, taxes, or liens, and that is the purpose of probate—to resolve them.
The fact is, estates comprising substantial assets, no unpaid debt, no liens, and no unpaid tax liabilities are exceedingly rare. Like unicorns, you can believe they exist, but good luck actually finding one.
So yes, you can still qualify for an advance on inheritance even if the estate has debts, tax obligations, or property liens.
Funding companies evaluate the net value of the estate—meaning total assets minus debts—to determine whether your share is sufficient to support an advance.
Most estates carry mortgages, loans, credit card balances, medical bills, IRS obligations, property obligations, or tax liens. None of these will automatically disqualify you from getting inheritance funding.
Inheritance loan companies review probate filings, creditor claims, tax documents, debt obligations, and property records to estimate the estate’s net worth. As long as the estate’s remaining net value is sufficient to support an advance, you can still be approved for one.
Real estate liens are common and are typically resolved during probate. Mortgages, HELOCs, and tax liens are paid from sale proceeds before distribution, and funding companies account for these obligations when calculating your expected share.
As long as the estate is solvent and your share is verifiable, inheritance advances remain available even though debts or liens are present.
📄 Can heirs living in the US get an inheritance advance on an estate located in another country?
No. To be eligible for inheritance funding, both the heirs and the estate must be located in the United States, excluding Colorado, Connecticut, Maryland, New Hampshire, and Virginia.
📄 How do inheritance funding companies verify the value of the estate?
Inheritance funding companies verify estate value by reviewing probate filings, asset inventories, appraisals, tax documents, and communication with the executor or estate attorney.
The goal is to determine the estate’s gross value, outstanding debts, and your expected net distribution. This evaluation is fast and does not require you to gather extensive paperwork.
The process typically begins with reviewing the probate petition, which lists major assets such as real estate, bank accounts, investment portfolios, and personal property.
If the estate includes real estate, the company may review county property records, recent comparable sales, or existing appraisals. For estates with business interests or high‑value assets, the company may request additional verification from the executor.
Debts, taxes, and creditor claims are also taken into account. The company assesses whether the estate has sufficient net value to support the requested advance. This streamlined approach allows heirs to receive funds quickly while ensuring the advance is safe and fully supported by the estate’s assets.
📄 Can I get an inheritance advance if the estate includes complex assets like businesses, partnerships, or investment portfolios?
Yes. Inheritance funding companies regularly provide heir cash advances on estates that include complex assets such as businesses, partnerships, investment portfolios, intellectual property, mineral rights, collections, and commercial real estate.
These assets often require specialized valuation, legal review, or liquidation before the estate can distribute funds. As a result, estates with complex assets frequently experience long probate delays.
Inheritance loan companies evaluate complex estates the same way they evaluate everything else—by reviewing probate filings, financial statements, partnership agreements, business valuations, brokerage account statements, and communication with the executor or estate attorney.
The goal is to determine the estate’s net value and the heir’s expected distribution. Even if the assets cannot be liquidated immediately, the inheritance funders can still approve and fund probate cash advances based on their estimated or projected value.
Investment accounts and business interests often require additional documentation, but heirs are not responsible for gathering it. The funding company works directly with the executor or attorney to obtain necessary information.
For heirs awaiting the valuation or sale of complex assets, an inheritance advance provides immediate access to cash without waiting for lengthy financial or legal processes to conclude.
📄 Can I get an inheritance loan if the executor is unresponsive or slow to act?
Yes. Many heirs qualify for inheritance advances even when the executor is slow, unresponsive, or difficult to reach. Executor delays are among the most common reasons probate proceedings take so long.
Executors may be overwhelmed, inexperienced, out of state, dealing with their own personal issues, or simply unmotivated to move the estate forward. These delays can leave heirs waiting months or years for distribution.
Inheritance funding companies understand this and can often begin the evaluation process without immediate cooperation from the executor. The company can verify the estate using public probate filings, county court records, property data, and other publicly available information. Once the executor eventually responds, the company completes final verification and issues the advance.
Executors are legally required to act in the best interests of the estate and beneficiaries. If an executor is unreasonably delaying the process, heirs have legal rights. State courts outline the duties and timelines of executors.
An inheritance advance gives heirs financial relief without waiting for the executor to act. It also avoids conflict, since the advance does not interfere with the executor’s duties or change the estate’s administration.
Why Choose TriMark For Your Inheritance Loans?
Because you want the best inheritance loans in the business, that’s why.
Strategically, using an inheritance loan to liquidate debt or capitalize on current opportunities is an excellent decision.
TriMark Legal Funding was founded in 2003 and has over two decades of experience helping heirs and beneficiaries maximize their inheritances.
TriMark delivers exceptional value, superior results, world-class service, and the best inheritance loans in the business.
TriMark Legal Funding was one of the original inheritance loan companies to offer inheritance cash advances and probate loans in the United States. We’ve earned a stellar reputation for excellence by providing innovative, client-focused heir advance and probate advance solutions for longer than almost any other company in the industry.
Why Do Heirs Prefer TriMark For Inheritance Loans?
Heirs and beneficiaries have relied on TriMark for more than two decades when they need inheritance loans because:
✅ 22+ years of trustworthy experience!
✅ 4.4 (Excellent) Trustpilot rating
✅ A+ rated with the BBB
✅ No hidden fees or upfront costs
✅ 100% risk-free funding for heirs
✅ Lowest inheritance loan rates guaranteed
✅ Same-day approvals are common
✅ Funds are applications same day/next day┼
✅ Payback is painless & automatic
✅ Additional advances are a breeze
✅ No credit checks
✅ No income verification
✅ No job or employment required
TriMark Legal Funding delivers a unique blend of innovation, empathy, integrity, continuous improvement, and exceptional client satisfaction. It’s what distinguishes us as the best inheritance loan company and the top choice for inheritance loans nationwide.
We take pride in helping our clients achieve their financial goals, and we look forward to serving you as well.
In This Article
- Inheritance Loans: Get Your Money Now
- An Inheritance Loan Gives You Options
- Inheritance Loans Give Heirs A Powerful Choice
- An Inheritance Loan Is Fast And Flexible
- How Are Inheritance Loans Repaid?
- FAQ: Inheritance Loans
- Why Choose TriMark For Your Inheritance Loans?
- What Is An Inheritance Loan?
- Why Call Them Inheritance Loans If They’re Not Loans?
- How Do Inheritance Loans Work?
- How Fast Can I Get An Inheritance Loan?
- Who Can Benefit From An Inheritance Loan?
- Are Inheritance Loans Available In Every State?
- How Can I Use My Inheritance Loan?
- How Many Inheritance Loans Can I Get?
- Get An Inheritance Loan Now
What Is An Inheritance Loan?
First, the term ‘inheritance loan’ is somewhat of a misnomer because the service we provide isn’t actually a loan.
The ‘inheritance loan advances’ that TriMark provides are cash advances on inheritances that are currently languishing somewhere in the probate process.
Among other things, a loan would require the heir to pledge the cash and assets they are to inherit as collateral and make regular monthly loan payments until probate closes.
There are many significant differences between a cash advance and a loan, so we’ll take a moment to examine them.
Bank Loans
Loans, such as bank loans, car loans, and home loans, all typically require good credit for approval. Repayment is also guaranteed and secured by collateral—usually unencumbered real estate or other physical assets of substantial value.
In addition, loans require proof of current employment, a minimum of two to three years of uninterrupted, verifiable employment history, and verification that minimum income requirements are being met.
And with only a few exceptions, most loans require a significant cash down payment.
Lastly, loans always have a specific repayment date, a fixed monthly repayment amount, a set number of monthly payments required to repay the debt, and pre-established legal recourse if the loan terms are not fulfilled. This includes forfeiture of security collateral, bank levy, wage garnishment, asset seizure, foreclosure of real estate, and reimbursement of all legal fees and collection costs.
Inheritance Loans
Simply put, inheritance loans do not require any of that.
The ‘inheritance loans’ that TriMark provides are a cash advance on inheritance proceeds currently in probate. They are not loans against an inheritance itself.
Why Call Them Inheritance Loans If They’re Not Loans?
Two words: Search. Engines. As in Google, Google Maps, Bing, Yahoo, and more specifically, all the individuals (like you) who use them. We will call these users searchers.
This website is designed to be highly relevant to searchers and search engines. Because searchers use an almost limitless supply of keywords and queries to find what they’re looking for, this website must necessarily be highly responsive to that diversity.
Searchers can use literally thousands of different keyword queries to find information about inheritance funding products TriMark offers, such as inheritance loans, inheritance advances, inheritance pre-settlement funding, advance inheritance loans, heir advances, estate loans, beneficiary loans, beneficiary cash advances, probate estate advances, heir loans, estate loan, trust loans, estate funding, probate loans, inheritance cash advances, inheritance estate loans, probate funding, probate advances, probate estate loans, and probate cash advances, to name a few.
To accommodate that kind of diversity and still provide highly relevant information, this website uses all of them interchangeably.
Related:
- Estate Planning: 16 Things to Do Before You Die
- Is A Trust Necessary?
- Is My Ex-Spouse Entitled to My Inheritance?
How Do Inheritance Loans Work?
Inheritance loans are an easy concept to understand. It is simply a cash advance against an heir or beneficiary’s future inheritance that they can receive immediately without waiting for probate to close.
More specifically, it is a cash advance up to about 35% of the anticipated future cash value of an heir or beneficiary’s inheritance, secured by a legal claim against a corresponding portion of the heir’s forthcoming inheritance.
Heirs may inherit physical assets such as vehicles, boats, collections, artwork, businesses, livestock, stocks, bonds, investments, and royalties. They may also inherit intellectual property such as copyrights, patents, or trademarks, or any other tangible property, including houses, buildings, and real estate.
IMPORTANT: None of these physical assets’ value is counted when determining how much of a cash advance an heir qualifies for.
Only cash in the estate, and the cash value of all physical assets that are sold during probate and added to the estate and will be disbursed after probate is closed, are used to calculate the maximum cash advance an heir qualifies for.
To be eligible for an inheritance loan:
- The heir must be set to inherit a minimum of $17,000 in cash.
- Minimum advance is $5,000.
- Maximum advance is $350,000.
Exceptions to the maximum can be made on a case-by-case basis for large inheritances.
Once approved and a funding agreement is signed, the heir will receive their funds via wire transfer directly into their bank account.
❌ TriMark is unable to offer inheritance loans to heirs residing outside the US and for estates located outside the US.
❌ Inheritance loans are not available to any heir whose heirship is being challenged or contested, nor on any estate that is being contested or has any unresolved legal challenges pending.
To be eligible for an inheritance loan, probate must already be opened for the estate, and probate cannot be closed yet.
❌ After probate has closed, heirs and beneficiaries are no longer eligible for inheritance loans. This is because the distribution of the estate typically follows shortly after the close of probate.
How Fast Can I Get An Inheritance Loan?
It’s a fair bet that the person who left you your inheritance intended for it to bring you joy and happiness, and expected that you would enjoy using it whenever and however you saw fit.
What they probably never anticipated was for you to endure months or even years of probate-induced stress and anxiety while you waited for the probate process to be completed.
Fortunately, an inheritance loan could be the key to relieving that stress and anxiety, starting today.
It takes just 30 seconds to apply for an inheritance loan, so you could be enjoying your money later today or tomorrow!
Inheritance documents are online in most counties in the US, so we can download them and begin processing your request immediately after you apply.
Approval and funding happen very quickly, too; often in as little as 3 to 4 hours.
Life Isn’t Waiting, So Why Should You?
Get The Cash You Need Right Now!
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Who Can Benefit From An Inheritance Loan?
Inheritance loans can be a vital resource for people in lots of different types of financial situations. Whether you’re working through a difficult financial challenge or just need some immediate liquidity, a loan against your future inheritance can be a practical solution.
Here are a few of the most common scenarios we see:
💲Beneficiaries Waiting For Probate To Close
Probate can be a long, nerve-wracking, and uncertain process.
Heirs and beneficiaries who choose to access some of their inheritance money before the probate process is concluded can cover day-to-day expenses, reduce debt, or capitalize on time-sensitive investment opportunities.
💲Individuals Facing Financial Hardship
Unanticipated expenses or financial setbacks can happen at any moment.
Inheritance loans can provide quick relief to anyone dealing with financial stress or working through economic hardship, allowing them to maintain stability during difficult times.
💲Heirs Needing To Reduce Debt
Settlement of an estate often comes with its own financial burdens, including debts and legal fees. Using some of the money they will be inheriting is a cost-effective way for heirs to manage these costs without straining their personal finances.
💲Heirs Capitalize on Timely Investments
Sometimes, life represents opportunities that require immediate action. Beneficiaries can use their inherited money to maximize investment opportunities without waiting for their inheritance money to be disbursed.
💲Those Seeking Peace of Mind
Some people find that having a substantial reserve of cash on hand provides a tremendous sense of security and peace of mind.
It’s not just about spending money; it’s about empowering yourself to take control of your financial future. Whether managing day-to-day expenses, reining in debt, seizing an investment opportunity, starting a business, advancing your education, or simply seeking financial peace of mind, an inheritance loan can help.
Are Inheritance Loans Available In Every State?
While TriMark would be delighted to provide inheritance loans to every heir in need, this option is not available in a few states. You can visit Inheritance Loan Availability By State for more information.
Check any state below to see if heirs can get an inheritance loan there:
- Inheritance Loan in Alabama
- Inheritance Loan in Alaska
- Inheritance Loan in Arizona
- Inheritance Loan in Arkansas
- Inheritance Loan in California
- Inheritance Loan in Colorado
- Inheritance Loan in Connecticut
- Inheritance Loan in Delaware
- Inheritance Loan in Florida
- Inheritance Loan Georgia
- Inheritance Loan in Hawaii
- Inheritance Loan in Idaho
- Inheritance Loan in Illinois
- Inheritance Loan in Indiana
- Inheritance Loan in Iowa
- Inheritance Loan in Kansas
- Inheritance Loan in Kentucky
- Large Inheritance Cash Advance
- Inheritance Loan in Louisiana
- Inheritance Loan in Maine
- Inheritance Loan in Maryland
- Inheritance Loan in Massachusetts
- Inheritance Loan in Michigan
- Inheritance Loan in Minnesota
- Inheritance Loan in Mississippi
- Inheritance Loan in Missouri
- Inheritance Loan in Montana
- Inheritance Loan in Nebraska
- Inheritance Loan in Nevada
- Inheritance Loan in New Hampshire
- Inheritance Loan in New Jersey
- Inheritance Loan in New Mexico
- Inheritance Loan in New York
- Inheritance Loan in North Carolina
- Inheritance Loan in North Dakota
- Inheritance Loan in Ohio
- Inheritance Loan in Oklahoma
- Inheritance Loan in Oregon
- Inheritance Loan in Pennsylvania
- Inheritance Loan in Rhode Island
- Small Inheritance Cash Advance
- Inheritance Loan in South Carolina
- Inheritance Loan in South Dakota
- Inheritance Loan in Tennessee
- Inheritance Loan in Texas
- Inheritance Loan in Utah
- Inheritance Loan in Vermont
- Inheritance Loan in Virginia
- Inheritance Loan in Washington
- Inheritance Loan in Washington DC
- Inheritance Loan in West Virginia
- Inheritance Loan in Wisconsin
- Inheritance Loan in Wyoming
- Workers Comp Settlement Loans
** Inheritance loans are not available in this state
Get The Cash You Need Right Now!
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How Can I Use My Inheritance Loan?
An inheritance loan is simply an advance on money that is, for all intents and purposes, already yours.
In fact, if it weren’t for probate, you would already have it in your possession. As such, it is YOUR money.
There are no restrictions or limitations on how it may be used. You are free to save, spend, or invest the funds at your discretion.
How Many Inheritance Loans Can I Get?
How many inheritance loans you can get depends on the total amount you will inherit and how much took in your first advance.
During processing after you first apply, our funding officers will verify the total amount you will receive, and they will tell you the total amount you are approved for at that time.
Get An Inheritance Loan Now
TriMark Legal Funding is America’s premier, go-to resource for fast, hassle-free inheritance loans and probate advances.
Serving all but five states, TriMark helps heirs transform waiting into winning. We deliver the flexibility you need, combined with transparency, speed, and world-class service.
Please take the next step so you can finally start enjoying your inheritance the way the person who left it to you intended.
If it feels like probate is taking forever and you need some of your inheritance money sooner rather than later, why not let TriMark help you?
Inheritance Loans Provide Immediate Financial Relief!
Inheritance funding can provide the money you need to relax, catch up on bills, and start enjoying your inheritance today, without having to worry about when the probate and estate distribution process is finalized.