About PFD Management
At PFD Management, LLC, we assist medical service providers in growing their practice and staying focused on patient care. Since 2016, we've helped physicians improve patient outcomes while achieving business profitability through tailored business-cycle financing solutions.
We deliver trusted support by:
- Funding accounts receivable so physicians get paid faster.
- Increasing cash flow so providers can concentrate on providing exceptional patient care.
- Funding only personal injury-related receivables, minimizing collection risk.
- Analyzing and streamlining existing financial and operational procedures to improve future billing and collections.
- Complying with HIPAA and industry best-practice standards.
Better Cash Flow, Better Practice
The Problem
Injury victims require immediate medical attention and possibly long-term treatment. Healthcare providers must often wait weeks, months, or even years for payment until the personal injury case settles.
How We Solve It
PFD Management offers a straightforward and equitable solution. We finance medical receivables at a specific percentage and diligently manage the injury case and account. Upon case settlement, PFD Management coordinates with the patient's attorney to facilitate payment of medical charges.
Staying Focused
PFD Management exclusively finances carefully underwritten personal injury-related accounts receivable arising from medical treatment provided to patients involved in automobile accidents and related incidents. This focus lets us leverage core expertise and reduce collection risk.
Eliminate the Wait
Providers no longer have to wait on a settlement to get paid for treatment already delivered.
Reduce Risk
We take on the underwriting and collection risk of personal injury receivables.
Grow the Practice
Freed-up cash flow supports new equipment, staff, and capacity for more patients.
Types of Personal Injury Funding
It's important to understand the different types of funding that exist in personal injury finance.
Medical Funding
An LOC/LOP (Letter of Protection / Lien) model. This is facilitated by working directly with the treating provider, who signs the LOP/lien over to the funder for securitization — freeing up the assets already on the provider's books. The attorney is the conduit and repays the funder from settlement proceeds.
Plaintiff Funding (Pre-Settlement)
A cash advance to the plaintiff while a personal injury lawsuit is pending, typically used for rent, living expenses, or an out-of-work bridge. The plaintiff signs the LOP/lien as guarantor, and the attorney agrees to repay the funder directly from settlement proceeds. This is a non-recourse advance — repayment depends on a successful outcome.
Plaintiff Medical Funding
A form of pre-settlement funding advanced strictly to pay for a medical procedure, paid directly to the provider. Both the plaintiff and attorney sign the LOP/lien, with the plaintiff as guarantor and the attorney agreeing to repay from settlement proceeds.
Post-Settlement Plaintiff Funding
Helps attorneys and clients access liquidity while a settlement payment is still pending, allowing plaintiffs to begin re-arranging their finances sooner.
Case Types We Support
- Motor Vehicle Accidents
- Slip and Falls
- Bicycle, Motorcycle & Pedestrian Accidents
- Bus & Truck Accidents
- Medical Malpractice
- Wrongful Death
- Dog Bite Attacks
- Construction Accidents & Product Liability
How Underwriting Works
PFD takes a highly analytical approach to underwriting, using a proprietary case-value algorithm to compute a conservative baseline case value and maximum advance, detailed attorney and law firm scoring on case volume, performance history, and repayment history, and thorough background checks on the plaintiff, attorney, law firm, and medical provider before any case is funded.
Industry Snapshot
Litigation finance has become an integral part of the multibillion-dollar litigation industry, with attractive uncorrelated returns drawing increased interest from sophisticated capital providers.
Personal injury settlements typically break down roughly one-third to legal fees, one-third to medical expenses, and one-third to the injured plaintiff. The market has shown consistent, non-cyclical growth, with up to 70% of claims tied to motor vehicle accidents, and litigation-related funding is currently available in 38 states.
What's Driving Demand
- Slower court timelines — in some states, time from filing to initial court appearance has doubled in recent years, with median time to settlement running 30-36 months.
- Providers less willing to work on liens — as surgeons and hospitals grow more reluctant to accept liens instead of upfront payment, funding companies fill the gap.
- Rising awareness — more attorneys are referring clients to funding partners as the practice becomes standard in personal injury cases.
Why It Matters
Funding gives an injured party the peace of mind to concentrate on recovery, without returning to work too early or settling for less than a case deserves, while allowing access to the best available medical care without the fear of insurmountable bills.
For attorneys, plaintiff medical funding supports the strongest possible treatment for a client's injuries while providing the documentation needed to present a complete case for damages.