Frequently Asked Questions
Juel provides loan finance to fund costs and support people and businesses through the financial impact of legal matters. This can include legal fees, everyday living expenses, and in some cases, business operating costs, helping you maintain stability while your matter progresses.
Yes. Juel provides loans that are tailored to your legal matter and personal circumstances. Unlike standard lending, the structure is based on the type and circumstances of your case and your broader situation, not just income or traditional credit criteria.
All applications are assessed to determine whether the loan is not unsuitable for your circumstances, including in line with Juel’s responsible lending requirements.
Disclosure of our fees and charges, interest rates, repayments, etc will be provided following enquiry and prior to signing any loan contract.
Litigation finance allows individuals and businesses to access financial support while pursuing or defending a legal matter. This can help cover legal costs and reduce financial pressure so decisions can be made based on the merits of the case, not immediate financial stress.
Juel supports both your legal costs and your everyday life during a legal matter – not just the case itself.
Most litigation funders focus on funding legal fees. Juel is designed to support the full impact of litigation, including personal loans to support living expenses and, where relevant, business costs.
Litigation can be one of the most disruptive periods in someone’s life. When it begins, everything else continues – bills, family responsibilities, and day-to-day pressures don’t pause.
Juel exists to provide the financial stability that allows you to continue living with dignity, make clear decisions about your case, and move through the legal process without putting your life on hold.
Juel funds the following types of legal matters in Australia:
- Family law matters, including separation, property settlement and parenting disputes between individuals
- Personal injury claims, including situations where an individual’s income has been impacted
- Litigation and dispute matters for individuals and businesses
- Wills and estate matters, including funding for beneficiaries and executors
Anything outside of these categories may be considered on a case by case basis.
Any funding is subject to assessment and credit approval.
Juel provides funding to both individuals and businesses based in Australia who are involved in one of the supported legal matter types.
Yes. You need to have a lawyer representing you to be eligible for funding.
If you don’t yet have a lawyer, Juel can help guide you on next steps and may be able to connect you with firms in your area. Juel is not affiliated with any particular law firm and does not provide formal recommendations.
Juel may receive your contact information directly from your lawyer in circumstances where you have provided your consent for your lawyer to disclose this information to us and are expecting us to contact you directly.
Yes. Juel supports individuals in their litigation files, including matters such as family law disputes and personal injury claims. Juel’s consumer lending is regulated by the National Consumer Credit Protection Act, including the National Credit Code. For consumer lending, Juel is regulated by the Australian Investments and Securities Commission (ASIC), and holds Australian Credit Licence No. 408709. Juel is also a member of the external dispute resolution mechanism operated by the Australian Financial Complaints Authority (AFCA), and holds AFCA membership number 22461.
Applications are typically stronger where there is a clear legal claim or defence and a meaningful potential outcome. The strength of the legal matter and the expected value of the outcome are key considerations.
Common reasons include:
- the funding required is below the minimum threshold (typically $20,000)
- the legal matter does not have sufficient strength or viability
- the matter falls outside of the types Juel supports
- the borrower does not meet minimum financial or lending criteria
Yes. You can make a confidential enquiry at any time. Juel will ultimately need to work with you and your lawyer to assess the matter, but an initial conversation with you can happen first.
It begins with a simple enquiry and a personal phone call to understand your situation. From there, Juel works with you and your lawyer to build a clear picture of your matter.
If funding is suitable (including in line with Juel’s responsible lending requirements), a loan is structured around your needs, supporting your legal costs and, where appropriate, your living or business expenses as your matter progresses.
After your enquiry:
- Juel will speak with you to understand your situation
- With your consent, Juel will liaise with your lawyer
- The matter is reviewed for suitability
- If appropriate, you are invited to proceed with a formal application. The formal application will include disclosure of relevant fees and charges, repayments, interest rates, etc
This is a guided process – you’re supported at each step
Timeframes depend on how quickly information is provided by you and your lawyer. In many cases, decisions can be made within a few days once all required details are available.
Funding is typically available within a few days (often 2–5 days), depending on the structure of the loan, and subject to documentation, approvals and security requirements.
Yes. In some cases, funding can be used to cover existing legal costs or debts, provided there is sufficient capacity within the loan structure.
Funding can be structured in different ways depending on your needs:
- legal fees are paid directly to your lawyer upon presentation of invoices
- living or business expenses can be provided either as a lump sum or in staged drawdowns over time
Subject to reassessment of your legal action, additional funding may be available if your circumstances change and the matter continues to meet lending criteria.
Any consolidation of funding may increase total interest costs, and Juel does not provide tax advice in relation to any funding provided to you.
The minimum loan amount is typically $20,000. There is no fixed maximum, as funding is based on the strength and value of your legal matter and the available security.
Fees and interest are applied only to the funds that are actually drawn down, not the total approved amount.
Interest is charged monthly in arrears on the drawn balance of the loan. Depending on your preference and loan structure, interest can either be paid monthly or capitalised and repaid at the completion of the matter.
All fees, interest rates, and repayment terms are clearly explained upfront (including in accordance with Australia’s consumer credit laws) so you understand exactly how the loan will work before proceeding.
Repayment is generally made from the proceeds of your legal matter, such as a settlement or judgment. The structure is designed to align with the outcome of your case.
Juel loans are full recourse loans. This means you are still responsible for repaying the loan regardless of the outcome of your case. This will be clearly explained prior to finalising the loan contract so you can make an informed decision.
No. All fees, charges and terms are disclosed upfront. Juel is transparent about costs so you understand exactly what you are agreeing to.
Yes. Early repayment is permitted without penalty, depending on your situation, and will be outlined in your loan terms.
Most Juel loans are secured against your legal matter.
This typically means your solicitor provides an undertaking that any proceeds from a settlement or judgment are directed to repay the loan.
Depending on your situation, additional security may also be required, including:
- a solicitor’s undertaking in relation to settlement proceeds
- PPSR registration over your legal interest or related assets
- real property, such as a mortgage or caveat
- charges over business assets or shares
The exact structure will depend on your individual circumstances and will be clearly explained before proceeding.
No. A credit check is not conducted at the initial enquiry stage.
If your matter proceeds to a formal application, a credit check will be carried out as part of the assessment process. This will appear on your credit file as an enquiry.
Your lawyer plays a key role in providing information about your matter. Juel relies on your lawyer’s expertise when assessing the prospects of your legal action which we rely on to determine suitability and structure of the loan.
Yes. Legal fees are paid directly to your law firm upon presentation of invoices, helping ensure clarity and reducing administrative burden.
Yes. Many applications come via lawyers who believe funding may help support their client through a legal matter. Your lawyer should obtain your consent prior to providing us with your contact information.
Yes. Specifically in relation to consumer lending, Juel operates as a licensed credit provider in Australia. All lending is subject to regulatory requirements, lending criteria, and formal approval processes.
Your information is handled with strict confidentiality and in line with Australian privacy laws. Details are only shared where necessary to assess your application, including with your lawyer (with your consent).
Juel has a formal internal complaints process and is subject to external dispute resolution frameworks in Australia including as a member of AFCA. Details are provided on our website Terms and Conditions and through the loan application process.
Yes. Loan funding can be used for living expenses such as mortgage payments, rent, school fees, and general household costs where income has been impacted by your legal matter.
Yes. Juel may be able to refinance or replace an existing funding arrangement, provided your matter meets Juel’s lending criteria.
Alternatives may include accessing traditional litigation funding, or using personal savings, credit cards, or traditional loans. Each option has different risks and implications. Juel’s loan solutions allow you to access funding structured around your legal matter, rather than relying solely on personal financial resources.