The contract room

Real funding contracts, side by side.

This industry prices in the dark, and every company prices differently. So we transcribe real contracts, remove the names, and read every one at the same moment: the case settles at month 24. Every number below is from a contract's own printed schedule.

The rates, on one page

Funder A: 2.99% a month, compounding
Funder B: Not disclosed
Funder C: 24.5% per 6 months, compounding
Funder D: 3% a month, compounding

ClaimAngel

27.8% a year, simple. Published.

Rates as written in the contracts below, anonymized.

Settled at month 24

What each dollar received becomes.

The pale segment is the dollar you received. Everything after it is the price.

Funder D$1,869 owed on $5003.74xand climbing

Funder B$8,824 owed on $3,0002.94x

Funder C$18,019 owed on $7,5002.40x

Funder A$259,667 owed on $128,0372.03x

ClaimAngel27.8% simple, from the live calculator1.63x

← 2x · the most a ClaimAngel draw can ever become

Each contract's number is read from its own printed payoff schedule at month 24, as a multiple of the amount its pricing runs on. ClaimAngel's is the live calculator math, fees included: 1.63x at month 24, and never past the dashed line, no matter how long the case runs.

The exhibits

The terms, explained.

Names removed, terms kept. Each sheet lists what the contract charges, where it stops if it stops, and the one clause worth reading twice.

Funder A

Personal injury

The client got $2,500. The other $125,537 rolled a prior funder's balance and an $8,300 fee.

Owed day one: $152,794; 1.19x
Month 24: $259,667; 2.03x
The most: $369,792; 2.89x

Rate: 2.99% a month, compounding, billed in 6-month blocks.
Fees: $8,300 origination, plus $87 to $149 to wire you the money.
If you lose: Owe nothing, unless a court calls it a loan. Then: maximum legal rate.
To cancel: 5 days, by returning all $128,037. The client got $2,500.

Funder B

Personal injury

The client got $3,000. $130 in fees came out first; $60 more is due at payoff.

Owed day one: $4,912; 1.64x
Month 24: $8,824; 2.94x
The most: $11,328; 3.78x

Rate: None disclosed. No rate, no APR, anywhere. The schedule is the price.
Fees: $130 financed up front; $60 more at repayment.
If you lose: Owe nothing, unless you 'violated a material term.' It never says which.
To cancel: 5 business days, money back with the notice.

Funder C

Personal injury

The client got $7,500. The ninth advance on this one case, each compounding on its own.

Owed day one: $9,338; 1.25x
Month 24: $18,019; 2.40x
The most: $27,930; 3.72x

Rate: 24.5% per 6 months, compounding. One day into a new period bills the whole period.
Fees: None itemized. The price is all rate.
If you lose: Owe nothing, with carve-outs.
To cancel: 5 business days, money back in full.

Funder D

Motor vehicle case

The client got $500. A $400 application fee and $40 wire fee compound with it from day one.

Owed day one: $1,114; 2.23x
Month 24: $1,869; 3.74x
The most: No limit; keeps growing

Rate: 3% a month, compounding on $940. Repay in week one, billed as day 180.
Fees: $400 application plus $40 wire, on a $500 advance.
If you lose: Owe nothing, unless the assignment fails. Then it becomes your debt.
To cancel: 5 business days, money back by certified mail.

The grade

Every contract against the six terms.

The standard is published at the Case Equity definition. Ask any company for these six in writing. If they flinch, you have your answer.

Term	Funder A	Funder B	Funder C	Funder D	ClaimAngel
The price is public	No	No rate disclosed at all	No	No	Yes
Same terms from every funder	No	No	No	No	Yes
The balance has a ceiling	At 2.89x	At 3.78x	At 3.72x, per advance	None. It grows until paid	Yes
Never touches the case	Yes	Yes	Bars funding from anyone else	Yes	Yes
Positions in writing	No	No	No	No	Yes
Lose, owe nothing	Flips to max legal rate if recharacterized	Unless a 'material term' is violated	With carve-outs	Unless assignability is challenged	Yes

Method: terms and payoff schedules are transcribed from executed funding contracts on file, then anonymized. No funder is named, no case is identifiable, and contract text is quoted only where a clause needs to be read. Every payoff shown is the contract's own printed number. Found an error? Write us and we will correct it, dated.

Our contract is the one we can afford to publish.

Price your draw The six terms