Disclosures

1. Nature of Our Services

Pre-settlement funding is not a loan. Capital Funding purchases a portion of the anticipated proceeds of your pending personal injury claim. This transaction is classified as a non-recourse advance, meaning:

• You are not personally liable for repayment
• Repayment is contingent solely on the successful resolution of your case
• If your case does not result in a monetary recovery, you owe nothing
• We do not charge interest in the traditional sense — our fee structure is based on the risk we assume
• This is not a loan, line of credit, or consumer credit product

Because pre-settlement funding is not a loan, it is generally not subject to state usury laws or consumer lending regulations. However, many states have enacted specific legislation governing pre-settlement funding companies, and we comply with all applicable laws.

2. Fee Structure

Capital Funding charges a funding fee based on the duration of your case and the risk profile of your claim. Before you sign any agreement, you will receive a clear, written disclosure that includes:

• The exact amount of your advance
• The total amount you will owe at 6 months, 12 months, 18 months, and 24 months
• Whether fees are simple or compounding
• Any caps on total repayment amount
• All fees — there are no application fees, processing fees, or hidden charges

Rate-match guarantee: If you receive a written offer from a reputable, licensed pre-settlement funding company with a lower rate for a comparable advance, we will match or beat that rate.

3. How Repayment Works

Repayment occurs only when your case resolves successfully:

• Your attorney deducts the funded amount plus fees from your settlement or judgment proceeds
• Your attorney remits payment directly to Capital Funding
• The remaining proceeds are distributed to you per your attorney-client agreement
• There are no monthly payments during your case
• There are no personal guarantees or collateral requirements

4. Risk Disclosure

You should be aware of the following risks associated with pre-settlement funding:

• Reduced settlement proceeds: The funded amount plus fees will be deducted from your settlement, reducing the amount you ultimately receive
• Case duration uncertainty: If your case takes longer to resolve, fees may accumulate according to the schedule in your Funding Agreement
• No guarantee of case outcome: Pre-settlement funding does not guarantee that your case will be successful or settle for any particular amount
• Impact on case strategy: While funding itself does not affect your case, you should discuss any financial decisions with your attorney

We strongly encourage you to consult with your attorney before accepting any funding offer to ensure you understand the financial implications.

5. Your Rights

As a Capital Funding client, you have the right to:

• Full disclosure: Receive a complete, written breakdown of all costs before signing
• Attorney review: Have your attorney review the Funding Agreement before you sign
• Rescission period: Cancel your funding agreement within the rescission period specified in your contract (typically 3-5 business days) and return the funded amount with no penalty
• Privacy: Your funding status and personal information are confidential and will not be shared with opposing parties
• Complaint resolution: File a complaint with us directly or with your state's consumer protection office

6. Regulatory Compliance

Capital Funding operates in compliance with all applicable federal and state laws, including:

• State-specific pre-settlement funding regulations
• Consumer protection laws
• Privacy and data protection laws (see our Privacy Policy)
• Anti-fraud and anti-money laundering regulations

In states with specific licensing or registration requirements for pre-settlement funding companies, Capital Funding maintains all required registrations. State-specific disclosures are included in Funding Agreements for residents of those states.

7. Advertising Disclosures

• All funding amounts mentioned on our website (e.g., “$2,000 to $7,500+”) represent typical ranges and are not guarantees of funding amounts
• Timelines (e.g., “funded in 24 hours”) represent best-case scenarios and depend on attorney responsiveness
• Client testimonials and reviews reflect individual experiences and are not guarantees of outcomes
• Our settlement calculator provides estimates only and does not constitute a funding offer
• Statistics cited on our website are based on our internal data and may not reflect industry-wide averages

8. Attorney Relationships

Capital Funding does not provide legal advice and does not have an attorney-client relationship with any applicant. We work with your attorney for case verification purposes only. We do not:

• Recommend, select, or assign attorneys
• Influence your attorney's case strategy or settlement decisions
• Pay referral fees to attorneys for client introductions
• Require your attorney to accept or recommend our services

9. Communication Disclosure

By contacting Capital Funding or submitting an application, you may receive communications via phone, email, SMS, or other channels. These communications may include:

• Application status updates
• Funding offers and documentation
• Case resolution follow-ups
• Marketing communications (which you may opt out of at any time)

Some communications may be sent using automated systems or AI-assisted tools. Standard message and data rates may apply for SMS communications.

10. Complaints and Questions

If you have questions about these disclosures, your Funding Agreement, or any aspect of our services:

You may also file a complaint with your state's Attorney General or consumer protection office.