Pricing
Here's exactly what it costs.
The example we use everywhere
$3,325
on a $2,500 advance repaid inside the first six months — $625 in charges plus a one-time $200 in fees.
Two rates
Which one is yours is not our decision
There are two prices here and both are published. The variable is not how strong your case looks to us, how much you are asking for, or how good you are at negotiating — it is one binary fact you can state yourself.
If your case has not settled yet
25%every 6 months
The advance is repaid out of a settlement that does not exist yet. If it never does, you owe nothing at all — that risk is the whole reason this rate is higher than the other one.
Reaches the 2× cap after month 18 and stops.
If it has already settled
15%every 6 months
The money is coming and the only question is when the check clears lien negotiation and the trust account. Less uncertainty, lower rate — and half of these advances are repaid within 66 days.
Reaches the 2× cap after month 36 and stops.
Everything else is identical across the two: the same 2× cap, the same two fees, the same charges calculated on the original advance and never compounded, and the same non-recourse promise. The full schedule for each is below.
Pre-settlement · 25% per six-month period
Half of our advances are repaid within 171 days
On a $2,500 advance, that is $3,325 — $625 in charges plus a one-time $200 in fees. The full schedule is below if yours takes longer.
The charge steps twice a year, not every month, and every step is calculated on what we advanced you rather than on a balance that has been growing on itself. In the fourth period — any case that resolves after month 18 — it reaches 100% of the advance and stops permanently. That is the 2× cap, and it does not move again whether your case settles in year three or year six.
| 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 |
About half of our advances land in the second column
Roughly 47% of pre-settlement advances are still outstanding at day 183, which means about half of our advances cost 50% or more rather than 25%. We are telling you that here, before you sign, because the alternative is you finding out at settlement.
About 19% of files run long enough to reach the 2× cap. That is roughly one in five — not a rare event. It is a promise we honor routinely, and it costs us money every time.
Post-settlement · 15% per six-month period
Settled, but still waiting on the check?
Post-settlement advances cost 15% per six-month period — and half are repaid within 66 days. On a $2,500 advance returned inside the first period, that is $375 plus a one-time $200 in fees.
It costs less because the risk is lower: the recovery is no longer uncertain and the only question is how long the disbursement takes. At 15% per period the cap is not reached until after month 36. It is non-recourse either way.
| 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 |
Fees
Two fees. That’s the whole list.
Every funding company says it has no hidden fees. It is not a claim you can check, so it is not worth much. Here is the version you can check: these are our two fees, and this is the list of charges we do not make. Take it to anyone else you are considering and ask them the same question.
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
These are all normal in this industry. None of them are in our contract — and you can take this list to any other funder and ask.
- 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.
Fee stacking is where a lot of the real cost hides in this category — a closing fee at funding, a filing fee on each advance and a monthly servicing charge can together add more than the headline rate suggests, and they are frequently disclosed in the contract rather than on the website. This is a description of practices that are common in the industry, not a statement about any particular company. More on what we charge and why it is a short list.
Structure
Why the number behaves this way
No compounding
Every charge is worked out on what we advanced you — never on a balance that has been growing on itself.
Six-month steps, not monthly
The number moves twice a year. Settle in month 4 and you pay what you would have paid in month 1.
A hard 2× cap
Once charges reach 100% of the advance — after month 18 on a pre-settlement advance — the amount you repay on it stops growing. It does not matter how long the case runs after that.
A person reviews your file
We are small, and that works in your favor. Settles within 30 days of a new period starting? Have your attorney ask, and we hold the prior rate. It is not automatic — their office has to ask before the payoff — but when they ask, we do it.
A rate you can work out yourself
25% per six-month period while your case is open, 15% once it has settled. Which one you get depends on a fact you already know, not on how strong we think your claim is. Whether it is worth $20,000 or $2 million, the number is the same.
Two fees, and that is the list
A $100 application fee on your first advance and $100 processing on each one. That is every fee we charge — no closing fee, no filing fee, no servicing fee, nothing that appears later.
Substantiation
How we measure these numbers
Every funder in this category advertises how fast it funds. None of them publish how fast they get repaid. We publish it because it is checkable, and because it tells you which column of the table above applies to you.
The figures come from a quarterly life table over advances funded from 2024 to the present, adjusted for censoring — meaning they account for the files that are still open, not just the ones that have already closed. That distinction matters. Statistics drawn only from closed liens look far better and are survivorship-biased, because the fast files close first.
171 days
Pre-settlement median. Half of advances are repaid within this window.
66 days
Post-settlement median. Half of advances are repaid within this window.
47%
Still outstanding at day 183 — these advances cost 50% or more.
19%
Still outstanding at day 720 — these advances reach the 2× cap.
Censor-adjusted medians from a quarterly life table across advances funded from 2024 to present. Pre-settlement: 75 closed and 72 open liens. Post-settlement: 71 closed and 10 open. Figures as of 2026-08-08 and re-run quarterly; individual results vary. “Half repay within 171 days” is a median, not an average — we say median because that is what it is.
What we deliberately do not publish
- “83% repay within six months.” True of advances repaid to date, and materially overstates what a new applicant should expect. It is survivorship-biased, so we do not use it.
- “Average 107 days.” Drawn from closed liens only. Biased low, and it mislabels a median as an average.
- “Most advances are repaid in one period.” About 53% do, which is true by a margin narrower than the estimation error. We withdrew it rather than lean on it.
See what your own number would be.
No cost to apply, no cost if we say no, and no credit check either way. Or call 813-798-5528 and we will work it out with you on the phone.