Two rates, and neither is negotiable.

25% per six-month period pre-settlement, 15% post-settlement. The only variable is case status — no case-strength scoring, no size banding, no “starting at.” Your client's rate is determinable from published information before they sign, which is the only version of this claim a firm can actually verify.

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The structure, and what each part is worth to your client

No compounding. Every charge is calculated on the original advance. Your client's balance never earns on itself.
Six-month steps, not monthly. The number changes twice a year. Your client can predict it, and so can you when you are modeling a disbursement.
A hard 2× cap. Repayment on the advance stops at twice the advance — no time limit, no exceptions, whatever the case does.
A person reviews your file. We are small enough that a person with authority reviews every file. If a case resolves within 30 days of a new period beginning, we hold the prior rate on request. It is not applied automatically; your office has to ask before payoff.
A rate you can work out yourself. 25% per six-month period pre-settlement, 15% post-settlement. Both published, and the only variable is case status — no case-strength scoring, no size banding, no “starting at.” The rate is determinable from public information before your client signs.
Two fees, and that is the list. A $100 application fee (first advance only) and $100 processing per advance. There is no closing fee, document filing fee, underwriting fee, servicing fee or wire fee. Both sit outside the 2× cap and nothing is ever charged on them.

The grace policy

If a case resolves within 30 days of a new period beginning, we hold the prior rate on request. It is not applied automatically — your office has to ask before payoff — but when asked, we do it. It is our published policy rather than a term of the funding agreement, which is why we state it here. It is the answer to the fairest criticism of bucket pricing — the cliff at the period boundary.

Our own distribution says this costs us very little: the hazard rate immediately after day 183 is low, because files that cross the boundary tend to run long rather than resolve shortly after. We are telling you that rather than presenting it as a larger concession than it is.

What it does not fix

Roughly 47% of pre-settlement files are still outstanding at day 183 and pay 50% or more. The grace period touches a small number of clients at the margin; it is not a remedy for that group, and we do not present it as one.

The complete fee schedule

Two fees, and that is the entire list. There is no closing fee, document filing fee, underwriting or origination fee, servicing or case management fee, wire fee or broker fee. What grows with time is the published charge per six-month period — the agreement calls it a renewal fee — and nothing else.

We set it out as a closed list rather than claiming “no hidden fees”, because the second is unfalsifiable and you have no reason to take it on trust. The list below is checkable against our contract, and it is the same list your client sees.

Worked example

A $5,000 first advance on a file that resolves at month 14 falls in period 3: $3,750 in charges, plus $200 in fees, for $8,950 satisfied from the proceeds. The same advance on a file that runs five years is capped at $10,000 plus $200 in fees, and does not move after month 18.

Fee schedule

Every fee we charge

Application feeYour first advance only. Never charged again.: $100
Processing feePer advance.: $100
Total on a first advance: $200

Neither is paid out of pocket. Both are added to what is repaid at settlement, neither grows over time, and both are canceled if the case does not recover.

Both sit outside the 2× cap, so a capped $2,500 advance repays $5,200 rather than $5,000. We state that rather than describing the cap as covering everything.

What we don’t charge

Charges that are common in this category and are frequently disclosed in the contract rather than on the website. None of them exist in ours.

Closing feeCharged when the advance is funded, sometimes as a percentage of the amount advanced rather than a flat sum — so the larger your advance, the more it costs you.
Document filing feeCharged on every advance, and in some contracts on every amendment or extension as well.
Underwriting or origination feeCharged for the work of reviewing the case you asked them to review.
Servicing or case management feeRecurring — monthly or annual — for the whole time the case stays open. On a file that runs two years, this is the one that quietly does the most damage.
Wire or transfer feeCharged for sending you the money you were approved for.
Broker feeCharged when the company you applied to passes your file to the company that actually funds it. We are a direct funder, so there is no middle layer to pay for.

Pre-settlement

Pre-settlement schedule
Advance	Fees	By 6 mo	By 12 mo	By 18 mo	24 mo +
$500	$200	$825	$950	$1,075	$1,200
$1,000	$200	$1,450	$1,700	$1,950	$2,200
$2,500	$200	$3,325	$3,950	$4,575	$5,200
$5,000	$200	$6,450	$7,700	$8,950	$10,200
$10,000	$200	$12,700	$15,200	$17,700	$20,200
$25,000	$200	$31,450	$37,700	$43,950	$50,200

Every figure is the total repaid at settlement — the advance, plus 25% of the advance for each six-month period, plus fees. Charges are simple: each period is calculated on the original advance, never on a growing balance. Assumes a first advance ($100 application fee plus $100 processing fee). Fees never grow and are never paid out of pocket. The final column is the 2× cap: at 24 months the amount repaid on the advance stops and never moves again, however long the case runs.

Post-settlement

Post-settlement schedule
Advance	Fees	By 6 mo	By 12 mo	By 18 mo	By 24 mo	By 30 mo	By 36 mo	42 mo +
$500	$200	$775	$850	$925	$1,000	$1,075	$1,150	$1,200
$1,000	$200	$1,350	$1,500	$1,650	$1,800	$1,950	$2,100	$2,200
$2,500	$200	$3,075	$3,450	$3,825	$4,200	$4,575	$4,950	$5,200
$5,000	$200	$5,950	$6,700	$7,450	$8,200	$8,950	$9,700	$10,200
$10,000	$200	$11,700	$13,200	$14,700	$16,200	$17,700	$19,200	$20,200

Every figure is the total repaid at settlement — the advance, plus 15% of the advance for each six-month period, plus fees. Charges are simple: each period is calculated on the original advance, never on a growing balance. Assumes a first advance ($100 application fee plus $100 processing fee). Fees never grow and are never paid out of pocket. The final column is the 2× cap: at 42 months the amount repaid on the advance stops and never moves again, however long the case runs.

Subsequent advances — processing fee only

Pre-settlement schedule, subsequent advance
Advance	Fees	By 6 mo	By 12 mo	By 18 mo	24 mo +
$500	$100	$725	$850	$975	$1,100
$1,000	$100	$1,350	$1,600	$1,850	$2,100
$2,500	$100	$3,225	$3,850	$4,475	$5,100
$5,000	$100	$6,350	$7,600	$8,850	$10,100
$10,000	$100	$12,600	$15,100	$17,600	$20,100
$25,000	$100	$31,350	$37,600	$43,850	$50,100

Every figure is the total repaid at settlement — the advance, plus 25% of the advance for each six-month period, plus fees. Charges are simple: each period is calculated on the original advance, never on a growing balance. Assumes a subsequent advance ($100 processing fee only). Fees never grow and are never paid out of pocket. The final column is the 2× cap: at 24 months the amount repaid on the advance stops and never moves again, however long the case runs.

Each advance is priced from its own funding date, so a second advance taken six months after the first begins its own schedule at 25%. How we measure return periods.