Pre-Settlement Funding

How non-recourse pre-settlement funding works for injury cases.

Pre-settlement funding is a cash advance against an expected settlement. It is typically non-recourse, with no obligation to repay if the case does not resolve in your favor. Terms are set by independent capital providers.

Criterica Capital prices pre-settlement requests for plaintiffs with personal injury, civil rights, and other cases from the court record and brings them to capital partners built for them. We work directly with your attorney to review your case.

Attorney-reviewed
Every request is reviewed with your attorney
Non-recourse
Nothing owed if your case does not resolve in your favor
No payments
Typically none until your case resolves
Provider-based
Independent capital providers decide and fund
How It Works

Independent capital providers make any funding decision.

01
Apply
Submit your case information online or by phone. No paperwork required from you. We work directly with your attorney.
02
Case Review
Criterica Capital contacts your attorney and reviews the merits of your case. The review looks at the case, not your credit score.
03
Provider Funding
If a provider funds the case, funds are delivered after attorney verification, by the method the provider's agreement states.
04
Repay at Settlement
If your case settles or results in a judgment in your favor, repay from your proceeds. If you lose, you owe nothing.
Why Criterica Capital
Non-Recourse
Advance size depends on case type and expected recovery, and the capital provider sets it. Non-recourse funding is repaid only from settlement proceeds. You owe nothing if your case does not resolve in your favor.
No Monthly Payments
With non-recourse pre-settlement funding there are typically no payments until your case resolves. Repayment comes only from your eventual settlement or award, never from your own pocket.
Case Merits, Not Credit
Pre-settlement providers typically weigh the merits of your legal claim, not your credit history or employment status.
Attorney-Reviewed Requests
Criterica Capital reviews the application once your attorney verifies the case. Independent capital providers then decide. Timing depends on the case, the documents and the provider.
Repayment Only From Your Recovery
Repayment comes only from the settlement or award. Ask for the rate, the interest basis and every fee in writing before you sign.
Attorney Coordination
We work directly with your legal team throughout the process so your case momentum is never disrupted.
Do You Qualify? (2 min)

Answer three quick questions.

01Do you have an attorney representing you on a contingency fee basis?
02Is your case currently filed and active in litigation?
03Did you suffer an injury or loss with documented evidence of fault?
Frequently Asked Questions

Common questions about pre-settlement funding, how it works, and what to expect from the process.

What happens if I lose my case?
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Who decides, and how long does it take?
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How much can I receive?
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What types of cases qualify?
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Do I need an attorney to apply?
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How does repayment work?
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How We Underwrite

Every financing request Criterica Capital prepares is evaluated against outcomes, not collateral. Our models are trained on real court records across US federal courts, state courts, and international jurisdictions.

We assess jurisdiction-level recovery rates, case-type outcome distributions, time-to-resolution curves, and attorney performance history before a request is prepared for independent capital providers.

01
Outcome models
Predictive models for each case type and jurisdiction
02
Court record depth
Verified decisions used in model training
03
Jurisdiction calibration
Circuit, district, and state-level recovery benchmarks
04
Recovery modeling
Expected value, settlement range, and duration estimates per case
Case Types We Review
Review all 17 case types we review across personal injury, civil rights, and more.
Learn more →
State Rules
See how your state regulates pre-settlement funding.
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Request funding for your case
Tell us about your case and we will bring it to the capital partners built for it.
Learn more →
Advance Cost Calculator
See your total payoff and the statutory rate cap or fee limitation that applies in your state.
Learn more →

Pre-settlement funding is a non-recourse purchase of a portion of the proceeds of a pending legal claim — not a loan. If the case does not result in a recovery, nothing is owed. Rates, fees, and repayment terms are disclosed in full in the funding agreement, which the applicant’s attorney reviews before signing. Availability and terms vary by state.

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