What to ask before you sign with any funding company
Not every funder plays fair. The right questions, asked before you sign, will tell you which kind you are dealing with.
I am going to give you questions that some funders would rather you not ask, because the honest answer costs them. Use them on us too. A good funder welcomes this.
What is the maximum total I could ever repay?
This is the most important question and the one bad actors dodge. A fair agreement has a cap, a hard ceiling on what you will owe no matter how long the case takes. If a funder cannot give you that number in writing with clear examples at six, twelve, and twenty four months, walk away. Our fees and rates page shows exactly this kind of breakdown.
Does the cost keep growing forever?
Some agreements let fees compound indefinitely, so a case that drags for three years becomes a disaster for the client. Ask specifically whether there is a point where the cost stops increasing. A reasonable funder caps it, commonly somewhere around two to three years.
Are there any upfront or hidden fees?
The answer should be a flat no. No application fee, no processing fee, no wire fee, nothing out of pocket. If money is being asked for before you receive funding, that is a serious red flag on its own.
Can my attorney review this before I sign?
The only acceptable answer is yes, please do. A funder who pressures you to sign fast, or discourages attorney review, or puts a short clock on the offer, is telling you something about themselves. Take the hint. We actively encourage attorney review and do not put expiration pressure on offers.
What happens if I lose?
You should hear a clear, immediate "you owe nothing." If the answer involves any conditions, exceptions, or fine print where you could owe money on a losing case, that is not standard non-recourse funding and you should be very careful. The how it works page and the case types page give you a sense of how we operate before you ever talk to us.