The Payment Card Settlement represents one of the largest antitrust victories in U.S. history – $5.5 billion awarded to merchants who were overcharged by Visa and Mastercard for 15 years. It should be a cause for celebration. Instead, it's become a case study in why winning a lawsuit and actually receiving compensation are two very different things.
For the 18.6 million eligible merchants, the settlement victory has created an unexpected problem: cash flow crisis.
When settlement administrators openly admit they "don't know" when payments will begin, it's not just an administrative hiccup – it's a business emergency. Merchants who planned around receiving their settlement funds are now stuck in financial limbo, watching opportunities pass by while bureaucrats work through "processing delays."
This isn't unique to the Payment Card Settlement. It's a predictable pattern that affects virtually every major class action settlement:
Victory → Appeals → Administrative Processing → Indefinite Wait
The problem is that businesses operate on quarterly planning cycles, not legal timelines. When your settlement money is tied up for years beyond the court's approval, it creates a cascading effect on your entire operation.
While settlement administrators figure out their timelines, real costs accumulate for waiting merchants:
Smart merchants have discovered they don't have to choose between their settlement award and their immediate business needs. Litigation financing bridges the gap between legal victory and financial reality.
Instead of waiting years for settlement distribution, litigation financing provides immediate access to funding. Most transactions close within 2-3 weeks of application, transforming uncertain future payments into certain immediate capital.
By accelerating your settlement award with RD Legal, you not only receive immediate funds but you also transfer the risk of collection to us. So if the settlement payments are delayed further, reduced, or face unexpected complications, you keep the advanced funds with no obligation to repay anything. The uncertainty becomes our problem, not yours.
With immediate access to funding based on your settlement award, you can:
You don't have to fund your entire settlement claim. Many merchants choose to fund a portion while keeping the remainder to collect directly, creating a balanced approach between immediate needs and long-term planning.
Cash flow crisis isn't just about spreadsheets and profit margins. It's about business owners who lie awake at night wondering when they'll receive money they're legally entitled to. It's about missed opportunities to provide for employees, serve customers better, or achieve long-held business goals.
Litigation financing transforms legal uncertainty into business certainty. It allows merchants to focus on what they do best – running their businesses – instead of worrying about settlement administrator timelines.
Getting funded is remarkably straightforward:
No credit checks, no collateral requirements, no hidden fees, no monthly payments. Just a simple transaction that converts future settlement payments into immediate business capital
After 20 years of Payment Card Settlement litigation and ongoing administrative delays, waiting is no longer the conservative choice – it's the risky one. Here's why:
Merchants who choose litigation financing aren't just solving cash flow problems – they're gaining strategic advantages:
Litigation financing isn't right for every merchant, but it's ideal for businesses that:
The decision ultimately comes down to a simple question: Is the certainty of immediate funding worth more to your business than the uncertainty of waiting?
The Payment Card Settlement was supposed to provide relief for merchants who were overcharged for years. Don't let administrative delays turn that relief into additional financial stress.
If your business needs cash flow now, if you're facing growth opportunities that can't wait, or if you're simply tired of letting settlement uncertainty control your planning, litigation financing offers a proven solution.
Thousands of merchants have already chosen immediate funding over indefinite waiting. They're growing their businesses, preparing for challenges, and competing effectively while others remain stuck in administrative limbo.
The question isn't whether you'll eventually receive your settlement money – it's whether you can afford to keep waiting.
Ready to End Your Cash Flow Crisis?
Stop letting settlement delays control your business future. Find out how litigation financing can transform your Payment Card Settlement claim into immediate working capital.
Discover how you can access immediate funds based on your settlement award in weeks, not years. No commitment, no hassles – just information about your options.
Or call 1 (800) 565-517 to speak with a funding specialist today.
RD Legal Funding has helped thousands of firms solve cash flow crises and achieve business growth for over 25 years. Let us show you how litigation financing can work for your situation.
