Golden Pear Funding

What Golden Pear Funding does

Golden Pear Funding, founded in 2008 and headquartered in Jersey City, New Jersey with a sales office in New York City, is a specialty finance company that provides non-recourse pre-settlement funding to plaintiffs in personal injury litigation. The company operates a three-sided platform serving plaintiffs/consumers, law firms, and medical providers, offering consumer litigation advances, medical/surgical funding for personal injury cases, and accounts receivable management services. Since founding, Golden Pear has deployed over $1.1 billion in funding to more than 87,000 clients, generating revenue through transaction-fee structures tied to case settlements rather than traditional interest-based lending.

The company's core technology stack includes a cloud-based underwriting platform with AI-driven decisioning, an algorithmic underwriting engine that automatically approves Motor Vehicle Accident funding requests up to $2,500 in seconds, and an eFunding delivery system that disburses up to $3,000 electronically within minutes via Zelle, PayPal, Venmo, or debit card. Supporting infrastructure includes the Law Firm Portal (self-service case management with installment funding capabilities), the Medical Access Pass (MAP), which connects to a network of 1,200+ providers in Georgia with pre-negotiated rates, and MedRec, an accounts receivable management solution for medical providers handling personal injury liens. Auri, an AI assistant for payoff requests, was introduced in 2025 alongside the appointment of Michelle Bonat, former JPMorgan AI CTO, as Chief AI Officer.

The business model centers on outcome-based transaction fees rather than disclosed interest rates, with funding repaid only upon successful case settlement. Distribution is omnichannel: direct-to-consumer through website applications and phone sales (212-244-8200), B2B relationship-based sales with dedicated account managers for law firm partners, and a medical provider channel via the MAP network partnership with Prime Health Services. The company maintains a nationwide US operating footprint with active marketing through a content blog, "The Golden Pear Law Corner" podcast, social media, paid search remarketing, and participation in industry conferences.

Name

Golden Pear Funding

Legal name

Golden Pear Funding OpCo, LLC

Website

https://goldenpearfunding.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Golden Pear Funding is a specialty finance company providing non-recourse pre-settlement funding and accounts receivable management for personal injury cases, serving plaintiffs, law firms, and medical providers with AI-driven underwriting technology.

Ownership category

akta.pro rank

Product category

Litigation Funding

NAICS

Health and Welfare Funds (525120), Health and Welfare Funds (52512), Other Insurance Funds (525190)

akta.pro primary industry

Public Health Financing, Budgeting & Grants Management (HLAJAMAC)

Keywords

• Litigation funding
• Pre-settlement funding
• Personal injury financing
• Medical receivables management
• Consumer legal funding

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Consumer Litigation Funding: Golden Pear provides non-recourse advances on future settlement money to plaintiffs in personal injury cases. The company is paid when the case settles. This is not a loan but an advance on settlement proceeds.
2. Medical/Surgical Funding: Funding for medical procedures and expenses related to personal injury cases including surgery, injections, chiropractic visits, medical transportation, and in-home care. The company pays surgeon fees on the day of surgery.
3. MedRec - AR Portfolio Management: Accounts receivable management service for medical providers, advancing funds on PI receivables to improve cash flow and strengthen balance sheets while the company manages the AR portfolio.
4. Installment Funding: Flexible payment structure allowing clients to pay funding in 2 to 6 manageable installments, managed through the Law Firm Portal.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Golden Pear Funding is a specialty finance company that provides non-recourse pre-settlement cash advances to personal injury plaintiffs awaiting case resolution. Beyond plaintiff funding, the firm operates MedRec, an accounts receivable management service for medical providers, and Medical Access Pass (MAP), a medical services management platform connecting law firms with a network of 1,200+ providers offering pre-negotiated rates in Georgia.

Differentiator

Problem solved

Functional benefit

Brands

• MedRec: Accounts receivable management solution for medical providers in personal injury cases, helping them maintain cash flow and strengthen their balance sheet.
• Medical Access Pass (MAP)
• Law Firm Portal
• eFunding

Quantifiable outcome

• eFunding delivers up to $3,000 in minutes
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Prime Health ServicescoreStrategic or Co-development PartnerGolden Pear's Medical Access Pass (MAP) negotiates rates in partnership with Prime Health Services. MAP has pre-negotiated rates with 1,200+ providers in Georgia and 275+ physicians in Atlanta metro area accept MAP PHS plans.
• Medical Provider Network (1,200+ providers)coreStrategic or Co-development PartnerMAP provides access to a network of 1,200+ medical providers in Georgia where MAP has pre-negotiated rates on behalf of PI clients. This network enables law firms to source, manage, and track care for personal injury clients.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Oasis Financial: One of the largest consumer pre-settlement funding companies in the US, providing non-recourse advances on personal injury and other plaintiff-side settlements — directly comparable in product, customer base, and target case types to Golden Pear.
• RD Legal Funding: Established litigation finance firm specializing in personal injury, mass tort, and sports concussion pre-settlement funding; comparable non-recourse advance product targeting the same plaintiff/law firm ecosystem as Golden Pear.
• LawCash: Consumer litigation funding company providing pre-settlement cash advances to plaintiffs, particularly in personal injury cases; overlaps with Golden Pear on product structure, case type focus, and direct-to-plaintiff acquisition channels.
• Cherokee Funding: Consumer litigation funding company providing non-recourse advances on PI settlements with strong presence in Georgia — directly overlapping Golden Pear's MAP network geography and competing for the same Georgia-based law firm and plaintiff relationships.
• USClaims: Direct competitor in consumer litigation funding providing cash advances to plaintiffs awaiting settlements; comparable non-recourse model and similar plaintiff/law firm GTM motion in personal injury.
• Nova Legal Funding: Pre-settlement funding company focused on personal injury cases, providing non-recourse advances to plaintiffs; comparable in target case types, funding structure, and digital-led acquisition approach.
• Express Legal Funding: Consumer litigation funding company providing cash advances to plaintiffs, with overlapping product offerings, pricing model, and personal injury focus directly comparable to Golden Pear's core funding product.

Broad incumbents

• Burford Capital: The largest publicly traded commercial litigation finance firm globally; while primarily serving corporate plaintiffs in commercial cases rather than PI consumers, it represents the broader litigation finance category and competitive backdrop in which Golden Pear operates.
• Omni Bridgeway: Major global litigation funder (formed from the merger of IMF Bentham and Omni Bridgeway) providing commercial and class action funding; demonstrates the broader litigation finance landscape and competitive dynamics relevant to Golden Pear's specialty consumer PI focus.

Emerging players

• LexShares: Marketplace-based litigation funding platform that allows investors to fund individual lawsuits; a tech-enabled, alternative model in the consumer-facing litigation finance space that could compete with Golden Pear's direct-to-plaintiff origination over time.

Market position

Strengths5 records

Weaknesses5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/GPFunding
• LinkedInlinkedin.com/company/goldenpear

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Golden Pear Funding