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While people may expect an inheritance after the death of a loved one, few people expect the process to take so long. Probate can take months, holding up the payment of an inheritance. For those who need the cash to take care of themselves, pay bills, or even wind up the deceased’s estate, this delay can cause a number of headaches. My Inheritance Cash’s goal is to provide a solution to those problems. We are an inheritance funding company. Our inheritance advances allow people to meet their financial obligations before the conclusion of the probate process. Plus, unlike traditional loans, they do not involve making payments or paying interest.

To get an inheritance advance, you need to be able to demonstrate that you are a likely heir to the money. That will involve proving that you are named in a will and a reliable estimate of the estate’s value. We look at the value of the estate and your portion of it. Based on those estimates, we can provide an advance. People use those advances for various reasons. One of the top reasons is taking care of the financial obligations related to the loved one’s death.

The size of the inheritance advance depends on several factors. My Inheritance Cash has the funds to supply considerable advances. Still, we are also happy to work with people who want smaller advances. Because there are fees associated with the inheritance advances, we generally suggest that people request the smallest advances that they need to ensure they can take care of all of their expenses during the probate process. However, in cases where an inheritance may be contested, it may be wiser to request a more significant advance. After all, we take the risk of an inheritance being smaller than anticipated when we advance you the money.

Probate Loans in North Carolina

Although people refer to inheritance advances as probate loans, they differ substantially from traditional loans. We do not lend money to people as individual borrowers. Instead, in exchange for a fee, we purchase a portion of your inheritance. That allows you immediate access to the money you are expecting without impacting the rights of other heirs.

Our process is fast, which is the primary benefit of inheritance advances. Probate can be an excruciatingly slow process, and many heirs find themselves racking up debts and paying exorbitant interest rates. At the same time, they wait for it to conclude. Inheritance funding gets you access to your funds before probate ends.

Probate advances are also helpful for people who are uncertain about the condition of an estate. When we purchase a portion of your inheritance, we are speculating that the estate will still have value at the conclusion of probate. However, estates can encounter unexpected expenses and obligations. The estate must meet them, but the probate process can delay the administrator’s ability to meet those obligations. That can lead to debt for administrators and also diminish some of the estate’s assets. When you get a probate advance, you shift the risk to us.


Since inheritance funds are not loans, you do not need a credit check or to prove that you can repay the advanced amount. Instead, you need to demonstrate that you are an heir, the value of the estate, and the estate’s liabilities. Our associates can provide you with the information about the documents they need to value the estate. With that information, we can provide information on the amounts we can advance and the associated fees.

Suppose you have all of the appropriate documentation. In that case, we may be able to get money to you on the same day as your application. If not, once we have all of your documentation, we can often process it within 2 to 3 business days. There is some variation depending on the amount of the advance and your preferred delivery method — wire transfers are faster than checks.

Inheritance funds do count as an inheritance. North Carolina has no estate or inheritance taxes, so you will not owe the state for the advance. However, federal estate taxes will still apply. So, it is vital to have an understanding of the total value of the estate prior to taking an advance. For federal estate taxes, the estate pays the tax, not the beneficiary. However, the amount of your inheritance may be substantially reduced if estate taxes apply.