Pricing
One flat factoring fee. Disclosed before you sign.
Most funding partners hide their numbers behind a portal login. We don’t. You’ll know the exact dollar fee on every assignment before you commit, and we never add charges after the fact.
Non-recourse
If the carrier denies the claim for non-fraud reasons, that's our problem, not yours. No chargebacks to the funeral home.
No hidden charges
No application fees, no setup fees, no monthly minimums, no per-portal-login charges. One factoring fee, taken out of carrier proceeds.
No personal guarantee
We fund against the assigned policy. We do not pull the funeral director's personal credit. We do not require a personal guarantee.
A worked example
Numbers below illustrate how a typical assignment is funded. Your actual fee depends on the policy, the carrier, and the contract value. Talk to us for an exact number on a specific case.
| Policy face value | $25,000 |
| Funeral home contract | $10,500 |
| You assign and submit | $10,500 of the policy |
| Funded to your account (next business morning) | $10,500 |
| Our factoring fee, paid out of carrier proceeds | 3% · $315 |
| Family receives the remainder from the carrier | $14,185 |
Placeholder rate. The 3% fee shown here is illustrative. Your actual rate will be confirmed in writing before you sign, and may vary by carrier and contract size. Call (713) 816-1974 for an exact number on your case.
What we do not charge for
- Quotes
- Carrier verification
- Pulling our own copy of the policy
- Wires (we cover the wire fee on every payout)
- Phone calls. Email. Texting Craig.
When the fee changes
- It doesn’t. The fee on the assignment is the fee.
- If the carrier rejects the assignment, the assignment is void and there is no fee owed.
- If we delay funding past the next business day for our own reasons, your fee is reduced. Ask us about the SLA.
Get an exact number
Send the assignment, get the fee in writing.
We’ll quote your specific case the same business day. No commitment, no soft credit pull.
Talk to us