When a loved one passes away and leaves behind a trust, beneficiaries often expect to receive their inheritance quickly and without hassle. But in many cases, the distribution of trust assets is delayed—due to legal complexities, disputes, or slow administrative processes. If you’re waiting for your inheritance and experiencing financial pressure, an inheritance loan may be the solution.
But how do inheritance loans work when the assets are held in a trust? Can you get a loan before the trustee completes the distribution? In this article, we’ll break down everything you need to know about inheritance loans and trusts—so you can make an informed decision about your options.
What Is a Trust?
A trust is a legal arrangement where a person (the grantor) transfers their assets to be managed by another person (the trustee) for the benefit of one or more individuals (the beneficiaries). Trusts are often used as an estate planning tool to:
- Avoid probate
- Reduce estate taxes
- Protect privacy
- Control how and when assets are distributed
Trusts can hold cash, real estate, investments, businesses, and personal property. The trustee has a legal duty to manage and distribute the trust according to its terms and in the best interests of the beneficiaries.
Why Trust Distributions Get Delayed
While trusts are designed to simplify inheritance, delays still happen for several reasons:
- Trustee inaction or mismanagement
- Disputes between beneficiaries
- Complex assets that require time to liquidate or appraise
- Ambiguities in the trust document
- Tax obligations or outstanding debts
During these delays, beneficiaries may find themselves in financial limbo—unable to access the money or assets left to them.
What Is an Inheritance Loan?
An inheritance loan, also known as a probate advance or trust advance, is a financial product that allows heirs or beneficiaries to access a portion of their expected inheritance before it’s officially distributed.
At Approved Inheritance Cash, we offer non-recourse loans based on your future inheritance. That means:
- No credit checks
- No monthly payments
- No income verification
- You only repay the loan from your inheritance—if you receive it
If for any reason your inheritance is reduced or denied, you owe nothing.
How Inheritance Loans Work with Trusts
Getting an inheritance loan when your inheritance is held in a trust involves a few unique steps. Here’s how it typically works:
1. Initial Application
You submit a simple application with details about the trust, your relationship to the grantor, and the inheritance you expect to receive.
2. Document Review
We review relevant trust documents, court filings (if any), and verify your status as a beneficiary. If needed, we coordinate with your attorney or the trustee to gather additional information.
3. Loan Offer
Based on the projected value of your inheritance and the current status of the trust, we make a loan offer. You’re not borrowing the full amount—just a portion that helps you get through the waiting period.
4. Funding
Once you accept the offer, we send funds directly to your bank account—usually within 24 to 72 hours.
5. Repayment
Once the trustee distributes your inheritance, the loan is repaid directly from your share of the trust. If litigation or other issues affect the final distribution, you’re not personally liable for repayment.
Types of Trusts We Work With
At Approved Inheritance Cash, we provide inheritance loans in connection with many types of trusts, including:
1. Revocable Living Trusts
Created during the grantor’s lifetime and typically become irrevocable upon their death. These are common in estate planning.
2. Irrevocable Trusts
Cannot be changed once established. Beneficiaries of irrevocable trusts may qualify for an advance if they have a fixed, expected interest.
3. Testamentary Trusts
Created by a will and activated upon the grantor’s death. These trusts often go through probate before being funded.
4. Family Trusts
Used to pass wealth to multiple family members. Disputes or delays may occur, especially if one family member serves as trustee.
Who Is Eligible for an Inheritance Loan from a Trust?
You may qualify if you:
- Are named as a beneficiary in a trust
- Expect to receive a monetary distribution
- Are experiencing financial hardship or want access to funds before the trust is finalized
- Are not currently receiving your inheritance due to delays, disputes, or trustee inaction
Even if the trust is going smoothly, you may still qualify if the distribution timeline is months—or years—away.
Benefits of Using an Inheritance Loan While Waiting on a Trust
1. Financial Relief
Get access to funds when you need them most—whether it’s for daily expenses, medical bills, legal fees, or debt payoff.
2. Fast Approval and Funding
We move quickly so you’re not stuck waiting. Many beneficiaries receive funds within days.
3. No Risk
If your inheritance is reduced or never distributed, you don’t pay the loan back.
4. No Personal Guarantees
Your inheritance is the only collateral. Your personal finances, credit score, or employment status aren’t part of the approval process.
Real-Life Scenario: When a Trust Advance Made a Difference
Laura was named a 50% beneficiary of her grandfather’s revocable living trust, which included several real estate properties and investment accounts. While the trustee began the process of liquidating some assets, legal issues with a rental property caused unexpected delays. Laura, a single mom, was struggling to cover rent and credit card bills while she waited.
She reached out to Approved Inheritance Cash and received an inheritance loan based on her expected distribution. With the funds in hand, she was able to catch up on bills, reduce her stress, and stop borrowing from friends and family. When the trust was finally settled six months later, the loan was repaid directly from her share.
Things to Keep in Mind
- Not all trusts qualify. If your interest in the trust is uncertain or contested, it may affect your loan eligibility.
- You won’t receive your full inheritance upfront. Inheritance loans usually cover a portion (often 20% to 50%) to ensure room for legal fees, taxes, and trust-related expenses.
- Loan terms vary. Always review the terms carefully and ask questions. At Approved Inheritance Cash, we ensure everything is transparent and risk-free.
Conclusion: Don’t Wait for a Delayed Trust to Impact Your Life
Trusts can be powerful tools for estate planning, but that doesn’t mean beneficiaries always receive their inheritance quickly. When delays, disputes, or trustee issues arise, you shouldn’t have to put your life on hold.
With an inheritance loan from Approved Inheritance Cash, you can access the funds you need now—without the stress of waiting. Whether your trust is simple or complex, we’re here to help you make the most of your inheritance when it matters most.
Ready to Unlock Your Inheritance?
Apply today and receive a trust advance in as little as 24–72 hours. Fast. Easy. Risk-Free.
Call us now or apply online at Approved Inheritance Cash
