A responsible funder discloses all rate structures, fee schedules, and repayment terms in plain language before any agreement is signed, with no hidden fees, no late charges, and no terms introduced at closing. Criterica Capital holds itself to the same standard in what it tells you.
Criterica Capital has no role in case strategy, settlement negotiations, or litigation decisions. A responsible funding agreement explicitly prohibits funder interference in the direction of any matter. All case decisions remain with the client and their attorney.
Responsible funders use simple interest. Interest accrues on the original advance amount, not on accumulated interest. Compound interest structures dramatically increase repayment costs on long cases, so check which one an agreement uses.
Application review should carry no upfront cost to the applicant, and Criterica Capital’s review of your request carries none. Compensation should be built into the funding agreement and deducted from settlement proceeds at closing, never charged before funding is issued.
Every funding agreement is reviewed and acknowledged by the client's attorney before execution. Criterica Capital works through the client's attorney on every request.
Every funding agreement should include a plain-language summary of the rate, repayment mechanics, and non-recourse structure, in addition to the full agreement terms, delivered before signing.
Standards and authorities we operate under.
The responsible funder framework is shaped by industry ethics codes, ABA guidance, and state-level regulatory requirements. Criterica Capital's procedures are designed to meet or exceed each of these standards.
Better pricing is a product of better information.
Most litigation funders price risk through intuition and relationship history. When underwriting is imprecise, funders compensate by charging more — applying margin to cover uncertainty they cannot quantify. That cost is passed directly to the client.
Criterica Capital evaluates matters through predictive models trained on legal data. The models produce win probability estimates, settlement range bands, and duration curves for each case. More precise risk assessment supports more accurate pricing by providers, so clients are not subsidizing the cost of uncertainty.