Four principles that govern every funding agreement we issue.
Interest accrues on the original advance amount only. A $10,000 advance at 3.0% per month accrues $300 per month — not $300 plus interest on prior months' interest. Compound structures increase total repayment cost dramatically on long cases. We do not use them.
Application, underwriting review, and approval are free. No origination fee, no processing fee, no administration charge before funding is issued. All compensation to Criterica Capital comes from the funding agreement — deducted at resolution, never charged in advance.
If your case does not resolve in your favor, you owe nothing. Lost at trial, case dismissed, settlement below advance plus accrued interest — in all of these outcomes, Criterica Capital absorbs the loss. This is not qualified non-recourse. It applies in every case.
There are no fees introduced at closing that were not in the executed funding agreement. No "acceleration" provisions that increase the rate on default. No late charges. The amount in your agreement is the maximum you will repay absent a separate renegotiation you initiate.
Current pricing across all funding products.
Rates shown are current ranges. The actual rate in your funding agreement depends on case-specific factors evaluated during underwriting. Rates can only move within the published range — never above it without your written consent to new terms.
What you pay at resolution — actual numbers, not ranges.
These examples use actual rates from our current range. Your specific rate is determined at underwriting and confirmed in your funding agreement.
These are illustrative examples only. Actual rates are determined by case-specific underwriting and are confirmed in your funding agreement before signing. If your case resolves before the projected duration, you pay interest only for the time the advance was outstanding.
Why structure matters — especially on long cases.
Some funders use compound interest. On a short case, the difference is minor. On a 36-month case, compound interest at a nominally similar rate can result in total repayment costs 40%–70% higher than simple interest at the same stated rate.
Criterica Capital uses simple interest exclusively. The comparison between funders requires comparing effective annual cost — not just the stated monthly rate. A 2.5% simple rate on a 24-month case is materially less expensive than a 2.5% compound rate on the same case.