By Inheritancelender.com / 08/05/2026
General Company Information
Website: https://www.catalinastructuredfunding.com/probate-advances
Market Coverage: Nationwide, with a concentration of recent fundings in Chicago, Dallas, New York City, and Phoenix
Primary Service Areas:
- California (all 58 counties)
- Illinois (Chicago metro)
- Texas (Dallas metro)
- New York (five boroughs)
- Arizona (Phoenix metro)
- All other states served nationwide
Company Overview
Catalina Structured Funding (CSF) is an attorney-owned financial firm based in La Crescenta, California, that provides probate advances to heirs and beneficiaries nationwide. Beyond probate advances, CSF also purchases structured settlements, annuities, and lottery winnings, giving it a broader financial services footprint than most single-product probate advance companies. The firm has been operating for more than 15 years and holds an A+ Better Business Bureau rating.
Mission and Values
Mission: To give heirs financial control during probate by providing fast access to a portion of their inheritance through a transparent, non-recourse process, without adding debt, credit checks, or monthly payments to their situation.
Core Values:
- Legal Diligence: Every transaction passes through in-house attorney review before reaching the estate attorney.
- Transparency: A single flat fee is disclosed in writing before signing, with no interest and no hidden costs.
- Speed: Funding decisions in 1–2 business days and wire transfers often within 24–48 hours of approval.
- Risk Absorption: A non-recourse structure means CSF, not the heir, absorbs the loss if the estate pays out less than expected.
Services and Products
Probate Advances
CSF’s core product lets heirs and beneficiaries access a portion of their expected inheritance while probate or trust administration is still open. The advance is a non-recourse purchase of a share of the inheritance rather than a loan, so there is no interest, no monthly payment, and no personal liability if the estate falls short.
Key Service Features:
- Advance amounts from $3,000 to $250,000, depending on estate size and expected share
- Funding decisions typically within 1–2 business days of estate review
- Funds often wired within 24–48 hours of approval
- No credit check, no income verification, no collateral required
- Early-payoff fee rebate if the estate distributes sooner than projected
What Funds Can Be Used For:
- Mortgage or rent payments during a lengthy probate
- Medical bills and other emergency expenses
- Tuition and ongoing living costs
- Any other immediate financial need while waiting on the estate
Financial Information
Advance Amounts: $3,000 to $250,000, with CSF able to advance up to roughly 60% of an heir’s expected inheritance
Pricing: A flat, fully disclosed fee locked in on day one, with no interest and no compounding regardless of how long probate takes
Repayment Terms: Repaid entirely from the estate when probate or trust distribution closes; the heir never makes a payment directly
Fees: One flat fee shown in writing before signing, with a partial rebate if the estate distributes earlier than projected
Eligibility Requirements:
- Must be a named heir or beneficiary with a verifiable share of an estate
- The estate must be in active probate or trust administration, or about to be filed
- The estate must have sufficient assets, after debts and costs, to support the advance
Application Process
CSF breaks its process into four steps designed to move from first contact to funded cash in as little as a few business days.
Step 1: Apply in Minutes
- Provide the decedent’s name, probate court and case number (if known), estate attorney’s contact information, and an estimate of expected inheritance
- Complete the application online or over the phone in about five minutes
Step 2: Estate Review
- CSF reviews probate filings, the will or trust documents, and the estate’s assets and liabilities
- The team works directly with the estate attorney to verify the heir’s share
- Most funding decisions are made within 1–2 business days
Step 3: Get Funded
- Approved heirs receive a written offer showing the advance amount, flat fee, and total deduction from the eventual distribution
- Funds are wired to the heir’s bank account, often within 24–48 hours of approval
Step 4: Collection from the Estate
- When probate closes and distributions are made, CSF collects its purchase price directly from the heir’s share
- The heir never writes a check, makes a payment, or receives a bill
Unique Selling Points
Attorney-Owned and Operated
CSF has four licensed attorneys on staff, including its founder, and every transaction passes through in-house legal review before it reaches the estate attorney, which the company positions as reducing rejected filings and speeding approvals.
Lower Minimum Advance
CSF’s advances start at $3,000, below the roughly $5,000 minimum common among competing probate advance companies, making the service accessible to heirs with smaller expected shares.
Early-Payoff Rebate
CSF rebates a portion of its fee if the estate distributes earlier than projected, an incentive structure not commonly offered elsewhere in the industry.
Full-Service Financial Firm
Beyond probate advances, CSF purchases structured settlements, annuities, and lottery winnings, allowing it to handle estates that involve payment streams or annuities alongside an inheritance under one roof.
Why Choose Catalina Structured Funding
Competitive Advantages:
- In-house attorney review on every transaction
- Advance minimum as low as $3,000
- Flat, fully disclosed fee with no interest or compounding
- No monthly payments and no personal liability
- Funding often within 24–48 hours of approval
- Early-payoff fee rebate
- A+ BBB rating and 15+ years in business
Service Coverage
CSF serves heirs and beneficiaries nationwide, with detailed local resources for several major metro areas and every U.S. state.
- California, where CSF is based and has closed transactions in all 58 counties
- Chicago, Illinois (Cook County Probate Division)
- Dallas, Texas (Dallas County probate under the Texas Estates Code)
- New York City (five-borough Surrogate’s Court process)
- Phoenix, Arizona (Maricopa County probate)
- All other states nationwide
Contact Information
Service Inquiry: Free, no-obligation quote available online at catalinastructuredfunding.com/contact
Response Time: Funding decisions typically within 1–2 business days; funds often wired within 24–48 hours of approval
For heirs facing a long probate, Catalina Structured Funding offers a non-recourse way to access part of an inheritance now, with no credit check and no monthly payments.