How 3Pay’s Risk-Selection Process Works: A Deep Dive

At 3Pay Global, our approach to litigation funding is built on one principle: choose the right cases
from the very beginning.

While litigation funding can offer impressive returns, success depends on more than capital alone.
Case selection is everything. That’s why we’ve built a rigorous, multi-layered system to identify
strong claims with real potential, long before they reach the co-funding stage.

Here’s a closer look at how that process works, and what makes a case eligible for funding through
the 3Pay platform.

What Makes a Case Fundable?
Not all legal claims are suitable for third-party funding. At 3Pay, we focus exclusively on high-merit,
low-risk opportunities that meet strict criteria. Before anything else, we ask:

 1. Does the claim have clear legal merit?
 2. Is there solid documentation and evidence?
 3. Is the claimant credible, cooperative, and financially engaged?
 4. Does the defendant have the ability to pay a judgment or settlement?
 5. Are the potential damages realistic, enforceable, and proportional to the cost of litigation?

Only when the answer is yes to all of these questions does a case proceed to the next stage.

Our Three-Tier Risk Filter
Every claim considered by 3Pay is subjected to a structured three-tier review process designed to
identify strength and manage risk:

Tier 1: Legal Viability
Each claim is reviewed by specialist solicitors and barristers to determine its legal strength. We
assess the underlying cause of action, available evidence, procedural history (if any), and overall
likelihood of success.

Tier 2: Financial Viability
We then assess the financial profile of the claim. This includes expected costs, likely damages,
duration of proceedings, and settlement trends. We only back claims with clear upside and cost
certainty.

Tier 3: Insurability and Recoverability
Finally, we consider how the case can be insured and enforced. We review After the Event (ATE)
insurance options and examine the defendant’s financial standing. If a claim can’t be insured or
enforced, even if it’s legally sound, we won’t proceed.
Only the strongest, most secure cases make it through all three tiers.

Built-In Risk Controls
At 3Pay, risk management isn’t an afterthought, it’s engineered into the model.
Our platform includes:
1. Funding only select, pre-screened claims
2. Top-tier legal teams and experienced counsel
3. ATE insurance to protect against adverse costs
4. Staged funding to limit exposure
5. Merit reports from independent legal experts
6. Defendant due diligence to assess enforceability

This structure allows us to reduce uncertainty, increase predictability, and provide co-funders with a
high level of confidence in the underlying claims.

Retail Participation Without Compromising on Quality
Historically, litigation funding has been reserved for institutions and ultra-high-net-worth individuals.
One of 3Pay’s key innovations is that we’ve opened this asset class to retail investors, while
maintaining institutional-grade standards.

Every claim on the platform has already passed through our internal screening process. That means
even investors starting with £10,000 gain access to the same pipeline of carefully vetted, high-
performance opportunities.

You’re not choosing from a long list of risky prospects. You’re backing a select few that have already
earned their place.

Built for Performance, Powered by Process
Our case selection process is designed to protect investor capital, fund justice, and deliver consistent
returns. We don’t chase volume. We don’t cut corners. And we don’t compromise on quality.

We believe litigation funding works best when the right cases are backed by the right people, with
the right systems in place.

At 3Pay, that’s what we offer.
Interested in learning more?
Reach out to us at info@3payglobal.com

Disclaimer
3Pay Global Ltd does not offer or engage in any services regulated by the Financial Conduct
Authority (FCA). Our litigation funding services are strictly non-regulated and are not financial
promotions, credit arrangements, or investments as defined under the Financial Services and
Markets Act 2000 (FSMA). The content of this blog is for informational purposes only and does not

constitute financial advice, legal advice, or any offer to the public. Viewers should seek independent
professional advice before making any decisions based on this content.