Send them the number, or send us the file.

What to send

• The client’s name and a phone number.
• State, case type, and the date of loss.
• Incident or police report.
• Treatment records and bills to date, or the treating providers.
• Available coverage and policy limits, if confirmed.
• Any existing liens against the recovery, including a prior funder.

The last item matters more than it looks. Stacked liens are the single most common reason we decline, and finding out at underwriting rather than at intake saves everyone a week.

What happens next

A person underwrites the file — usually within one business day of receiving it — and calls your client with a decision. If we decline, we say so plainly and give the reason. Your client is not left waiting on a call that never comes, and nothing about a decline touches their credit.

What your client will be told

The same figures published on this site. Every payoff amount through the 2× cap, the fact that about half of clients cross into the second period, and the fact that roughly one in five files reaches the cap. Nothing is disclosed at signing that was not disclosed before applying.

They will also be told, in the first step of the application, that an attorney on contingency is required — so an unrepresented caller is not strung along.

Client-facing material

The consumer pages are written at a grade 6–7 reading level and the core pages of the site are in Spanish, with calls taken in Spanish and a Spanish contract. If it is easier to hand a client a link than to explain the product, the pricing page is the one to send — it carries the full schedule and the basis for every statistic on it.

If the client already has an advance elsewhere

Ask the incumbent funder for a written payoff figure and send it to us. A compounding or uncapped advance eighteen months into a file can consume most of a recovery, and a buyout is worth pricing before it does. How buyouts work.