General Company Information
Website: 48 Hour Probate
Market Coverage: Most U.S. states, with a published exception for estates of persons who were residents of Arkansas, Connecticut, Illinois, Massachusetts, Maryland, New York, Rhode Island, and Virginia
Primary Service Areas:
- Heirs in probate estates across most U.S. states, with published state-specific guidance pages for Tennessee, Florida, Texas, Oklahoma, North Carolina, and Georgia
- Estates are reviewed against each state’s probate timelines and court posture rather than treated as a single generic product
Company Overview
48 Hour Probate is an inheritance-funding platform operated by GT 27 LLC, based in Palm Beach Gardens, Florida. The company positions itself as a probate-focused review team rather than a generic lead-generation site, emphasizing that its intake process reads court petitions, inventories, and notice timelines before pricing an advance, rather than treating the transaction like a standard consumer loan application. The company describes an “AI-powered file review” as central to how it evaluates cases quickly.
Mission and Values
Mission: 48 Hour Probate states its goal is to replace guesswork with a written, disclosed, probate-aware review process, so heirs can access a portion of an expected inheritance without taking on personal debt while probate runs its course.
Core Values:
- Transparency: The company emphasizes written, itemized offers before any signature, spelling out the cash amount, the discount taken, and what happens if the estate underperforms.
- Probate-specific expertise: Marketing materials stress that files are reviewed by a team focused on probate rather than general consumer underwriting.
- State-by-state accuracy: The company highlights that it prices estates differently by state rather than applying one national formula.
- Attorney inclusion: Heirs are encouraged to route the advance contract through their own probate attorney before signing.
Services and Products
Probate Cash Advance
48 Hour Probate’s core product is a non-recourse purchase of a portion of an heir’s expected inheritance at a disclosed discount. It is structured as a purchase, not a loan, so there are no monthly payments, no interest charges, and no personal repayment obligation if the estate ultimately falls short.
Key Service Features:
- No credit-based underwriting
- No monthly payments and no interest
- Written, itemized offer provided before signing
- Funding typically within 24 to 48 hours of signing
- State-specific review that accounts for differing probate timelines and court procedures
What Funds Can Be Used For:
- Paying off debt
- Covering education costs
- Making a home purchase
- General living expenses while probate is pending
Financial Information
Advance Amounts: The company’s calculator tool references inheritance ranges from $10,000 up to over $500,000, with advance capacity listed at up to $500,000.
Pricing: Published tiered pricing based on estimated probate timeline and file complexity:
- Shorter, cleaner file: 60–75% of the inheritance share advanced. Example: on a $10,000 inheritance with an estimated 3–6 month probate timeline, net to the heir is $6,000–$7,500.
- Typical file: 55–65% of the inheritance share advanced. Example: on a $25,000 inheritance with an estimated 9–12 month probate timeline, net to the heir is $13,750–$16,250.
- Complex or longer file: 50–65% of the inheritance share advanced. Example: on a $50,000 inheritance with an estimated 18–24 month probate timeline, net to the heir is $25,000–$32,500.
Repayment Terms: The company collects directly from the heir’s share when the estate distributes; the heir never makes a payment personally.
Fees: The company states there are no separate fees, no interest, and no monthly payments; its return comes from the discount built into the purchase price of the inheritance share.
Eligibility Requirements:
- Must be an heir with an expected inheritance from an open probate estate
- The decedent must not have been a resident of Arkansas, California, Connecticut, Illinois, Massachusetts, Maryland, New York, Rhode Island, or Virginia at the time of death, per the company’s published restrictions (see Service Coverage below for the full list)
- Estimated inheritance generally falls within the $10,000 to $500,000+ range referenced on the company’s calculator
Application Process
48 Hour Probate describes its process as a five-step, largely document-driven review, with funding typically arriving 24 to 48 hours after the heir signs the offer.
Step 1: Tell Us About the Estate
- Share the probate state and county, the estimated inheritance value, and how the funds would be used
- The company may coordinate with estate counsel or the personal representative if the file needs clarification
Step 2: File Review and Document Collection
- The team evaluates court status, estate details, heirs, and supporting documents
- Typical documents requested include a death certificate, the will or appointment order, the probate case filing, an estate inventory or valuation, a list of debts and expected expenses, and heir identification
Step 3: Written Offer and Funding
- Qualifying files receive a written, itemized offer before any signature is required
- Once signed, funds are sent by wire or check, typically within 24 to 48 hours
Unique Selling Points
AI-Powered File Review
The company markets its use of AI-assisted document review as a genuine speed advantage rather than a marketing label, aiming to move files from initial contact to a written offer faster than a manual-only review process.
Published, Tiered Pricing
Unlike many competitors that keep pricing case-by-case and undisclosed, 48 Hour Probate publishes example pricing tiers tied to estimated probate timelines, giving prospective clients a rough sense of net proceeds before they apply.
State-by-State Accuracy
The company maintains separate guidance pages for individual states, arguing that filing fees, timelines, and executor duties differ enough that a single national pricing approach would be inaccurate.
Why Choose 48 Hour Probate
Competitive Advantages:
- Published pricing examples rather than fully opaque, quote-only terms
- Written offer provided before any signature is required
- Non-recourse structure: no personal repayment if the estate underperforms
- Encourages heirs to have their own attorney review the contract before signing
Service Coverage
48 Hour Probate is based in Palm Beach Gardens, Florida, and markets itself as reviewing cases in all 50 states. Its own footer legal notice, which appears consistently across its homepage, how-it-works page, and pricing page, narrows that somewhat: services are not available for estates of persons who were residents of Arkansas, California, Connecticut, Illinois, Massachusetts, Maryland, New York, Rhode Island, and Virginia. Outside of those nine states, the company publishes dedicated guidance pages for Tennessee, Florida, Texas, Oklahoma, North Carolina, and Georgia, suggesting those are areas of particular focus.
- Palm Beach Gardens, Florida (headquarters)
- Serves most other states nationwide
- Does not serve estates in Arkansas, California, Connecticut, Illinois, Massachusetts, Maryland, New York, Rhode Island, or Virginia, per the company’s own published restrictions
Contact Information
Service Inquiry: Available through the company’s contact page and eligibility/calculator tools on its website
Response Time: The company states initial file review typically begins within 48 hours of complete documentation, with funding arriving 24 to 48 hours after an offer is signed
Heirs in an eligible state who want to explore a probate advance can review their situation directly through 48 Hour Probate‘s website. Confirm the decedent’s state of residency against the company’s exclusion list before referring a client, since a handful of states, including several large ones, fall outside their current service area.