The things a firm needs to check before naming us to a client.

Referral fees

We do not pay them and we do not accept them. Several states prohibit referral fees between funders and attorneys outright — but the reason we hold the line everywhere is simpler than compliance. A funder paying a firm for referrals gives the client a well-founded reason to doubt why they were sent to us.

If anyone at this company offers your office a fee, a volume arrangement or a marketing subsidy in exchange for referrals, that is a serious problem and we want to hear about it.

Control of the case

We take no role in strategy, valuation, or whether an offer is accepted. We do not ask to be consulted, we have no contractual right to be, and we do not want it. Funder influence over settlement decisions is the criticism this industry most deserves, and the cleanest answer is to have no mechanism for it.

The funding agreement contains no provision permitting us to direct, veto or delay a settlement.

Disclosure and discoverability

We do not notify defendants or their insurers. Whether the arrangement is discoverable is a question of jurisdiction and it is moving — Georgia’s SB 69 made funding agreements of $25,000 or more discoverable in civil cases from January 2026, several federal districts have standing orders, and the trend is toward more disclosure rather than less.

If disclosure is a live issue on a particular file, raise it before your client signs. We will provide whatever documentation the court requires. What we tell clients about this.

Champerty and maintenance

Kentucky’s doctrine makes third-party funding of claims legally uncertain, and we do not fund where the enforceability of our own contract is in question. That is a self-interested position as much as a principled one, but it produces the right outcome: we are not asking a client to sign something that may not hold.

Where we do not operate

23 jurisdictions. Most require a license or registration we do not hold; North Carolina banned the product outright in June 2026; West Virginia and Indiana cap rates below our flat pricing.

Where a state caps below our rate, we say plainly on that state’s page that a funded plaintiff there will pay less than the plaintiffs we fund. That is true and there is no reason to obscure it.

Consumer disclosures

Every payoff figure a client will face is published before they apply, the full schedule runs through the cap on every page that shows pricing, and the projected repayment schedule is part of the contract itself.

The agreement gives your client five business days after signing to cancel without penalty, by written notice and return of the advance. It states in capitals that it is not a loan and that the client should review it with you before signing.