Every January, you audit your firm. What’s working. What’s bleeding money. Which vendors still earn their spot.
But when’s the last time you seriously looked at client funding?
Most PI firms avoid it. They’ve seen the horror stories. But that avoidance can cost your clients higher settlements and cost you the fees that come with them.
The Defense’s Best Weapon Isn’t Their Lawyer
It’s time
Your client got injured. They can’t work. Bills are stacking. Credit cards are maxed. They’re choosing between medication and rent.
Defense counsel knows this. Every adjuster knows this. That’s why they low-ball and wait. A financially desperate plaintiff will blink first. They’ll take $80,000 on a case worth $150,000 because they need it over with.
You know the case is worth more. But their reality wins.
This is happening in your caseload right now.
Why Firms Have Avoided the Obvious Solution
Funding should solve this. Give the client breathing room, let the case develop, negotiate from strength.
But traditional funding created its own problem. Rates that compound monthly. A $5,000 advance that can easily balloon to $20,000+. The cure was as bad as the disease.
So firms stopped recommending it. Clients stayed desperate. Defense counsel kept winning the waiting game.
What Changes With Standardized Funding
ClaimAngel exists to break that cycle.
One rate for every client: 27.8% simple interest with a hard 2x cap at 46 months. No compounding. No hidden fees. A $5,000 advance held 24 months pays off at $8,188, not $20,000+.
That difference matters twice:
First, your client keeps more. Lower payoff means higher net recovery.
Second, your client can wait. When they know exactly what they’ll owe and it’s not spiraling, they’re not panicking. They’re not pushing you to settle. They can let you litigate.
A funded plaintiff is a patient plaintiff. A patient plaintiff is dangerous to the defense. Time is power.
The Math on Your Fees
On a $5,000 advance held 24 months:
- Traditional funder: Payoff of $20,000+
- ClaimAngel: Payoff of $8,188
That’s over $10,000 that stays in the settlement instead of going to a funder. Your client’s net goes up. Your contingency fee goes up with it.
Now multiply that across every case where you held out for full value instead of settling early because your client could afford to wait.
Why This Matters in 2026
Regulatory pressure is building. California AB 931 and Georgia SB 69 are setting the template. Disclosure requirements are tightening. The days of relationship funding, where firms sent clients to whoever answered fastest, are ending.
When bar associations or regulators ask how you handle client funding, you need an answer that protects you and your clients.
One rate. One contract. One process. Every funding documented and defensible.
The Bottom Line
John Morgan called ClaimAngel “the Charles Schwab of client funding.” The comparison fits. Schwab didn’t invent investing, he standardized it. Made the same deal available to everyone.
We’ve processed over $100M across 20,000+ fundings. Every one at the same rate.
If your resolution for the new year includes winning more at the negotiating table, keeping more of every settlement, and finally having a funding strategy you can stand behind, it’s time to take a serious look.
About the Author
ClaimAngel
ClaimAngel is run by builders from fintech, legal finance, and ethics compliance. We’re engineers, litigators, and product operators who believe the rails should serve the plaintiff—not the funder.
