We disclose all rate structures, fee schedules, and repayment terms in plain language before any agreement is signed. Our funding agreements contain no hidden fees, no late charges, and no terms that are introduced at closing.
Criterica Capital has no role in case strategy, settlement negotiations, or litigation decisions. Our funding agreements explicitly prohibit funder interference in the direction of any matter. All case decisions remain with the client and their attorney.
We use simple interest exclusively. Interest accrues on the original advance amount, not on accumulated interest. Compound interest structures dramatically increase repayment costs on long cases — we do not use them.
Application review, underwriting, and approval carry no upfront cost to the applicant. All compensation is built into the funding agreement and is 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. We do not fund cases without attorney cooperation and written acknowledgment of the funding arrangement.
Every funding agreement includes a plain-language summary of the rate, repayment mechanics, and non-recourse structure — in addition to the full agreement terms. Clients receive this summary 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 underwrites through predictive models trained on 106M+ real court records. Our models produce win probability estimates, settlement range bands, and duration curves for each funded case. More precise risk assessment enables more accurate pricing — which means clients are not subsidizing the cost of our uncertainty.