01
The gap between your claim book and your cash
Every solicitor firm running a serious financial claims book lives with the same structural problem. The value is in the pipeline. The cash is somewhere in the future. Between now and that settlement date, your firm carries disbursement costs, staff costs, and the operational overhead of processing volume at scale. That gap is a capital gap. And for most firms, the options available to fill it are slow, expensive, and controlled by people who do not understand your claim book the way you do.
Problem 01
Traditional funders move at their own pace
Standard litigation funding approval cycles run 6 to 18 weeks. Credit committees, third-party insurers, co-funder sign-offs. Traditional processes cannot keep pace with the speed at which good claim books need capital.
Problem 02
Your best asset is invisible to most funders
A live, scored claim portfolio is the most accurate underwriting input available. But if it is sitting in spreadsheets and a case management system, the funder cannot see it. They price risk blind, and they price it conservatively.
Problem 03
Bank facilities require what you do not have
Personal guarantees. Fixed assets. Profitability history. Banks underwrite the firm, not the claim book. A firm with 40,000 live financial claims and three years of accounts gets treated like any other SME with a cash flow problem.
Problem 04
Volume growth creates a capital gap traditional funding cannot close fast enough
As your claim book grows, the capital requirement grows with it. Traditional funding cycles cannot keep pace with origination velocity. Firms that scale fast hit a funding ceiling before they hit a caseload ceiling.
Problem 05
Funder dependency creates commercial leverage
When you have one funder relationship, they know it. Renewal terms reflect that leverage. Diversifying your capital sources changes the dynamic at the negotiating table and gives your practice sustainable financial independence.
Problem 06
Volume you cannot fund is volume a competitor takes
Firms that can access capital efficiently process more claims and serve more clients. Capital availability is an operational capability, not just a financial one.
02
How the platform model works
ClaimPassports does not arrange funding. It does not introduce firms to funders. It does not participate in or guarantee any funding arrangement. What it does is make your claim portfolio automatically visible, scored, and assessable to any funder holding a platform access licence. The platform is the infrastructure. The funding relationship is entirely yours.
Your firm
Claims Solicitor
- Holds ClaimPassports platform licence at ClaimPassports platform
- Live claim book processed, scored, and monitored on the platform
- Negotiates LFA directly with chosen litigation funder
- Funder receives automatic platform access via their ClaimWatch licence once activated
- Retains full control of client relationship and claim conduct
Capital source
Litigation Funder
- Purchases a platform access licence directly from OCC
- Accesses live ESP and EPR scored portfolio data via ClaimWatch
- Assesses draw requests from platform data, not management reports
- Monitors deployed capital through live portfolio dashboards
- Contracts directly with the solicitor firm under the LFA
OCC is not a party to your funding agreement. OCC provides the platform that makes the agreement possible. The funder pays OCC for access. You pay OCC for the platform. The funding relationship is between you and the funder, governed entirely by your LFA.
This structure means OCC has no exposure to the success or failure of any individual claim or funded portfolio. OCC's revenue is platform licence income from two sources: your firm's operational licence and the funder's access licence. Both are independent of claim outcomes. Both are independent of each other. OCC's role is to maintain the platform data integrity that makes the funder's assessment possible and the solicitor's processing efficient.
03
What the funder sees on the platform
When your funder holds a platform access licence, they see the same live data the platform produces as you process your cases. Not a summary you prepared. Not a report exported at month end. Live, scored, platform-generated data refreshed continuously as claims move through the pipeline. The platform processes 1.4 million claims per month across the network. Your funded portfolio sits within that infrastructure, assessed to the same standard as every other claim on the platform. This is what compresses the approval cycle and what makes ongoing monitoring independent of your own reporting.
ClaimPassports · Your Funding Journey
From claim intake to capital deployment. Hover any node to explore each stage.
📊
ESP Scores per Claim
Evidential Strength Profile
Every claim in your portfolio carries a live ESP score assessing evidential strength based on product type, lender, and commission structure. The funder sees this at claim level and at cohort level.
📈
EPR Scores per Claim
Expected Portfolio Return
Expected return modelling at claim and portfolio level. The funder uses EPR scores to price the draw cohort without needing to conduct their own independent valuation of your cases.
🛂
Passport Intelligence Score
Composite Per-Claim Rating
The composite PIS combines ESP and EPR into a single banded score per claim. The funder sees the PIS distribution across your entire portfolio and can set minimum band thresholds for their draw cohort.
📄
Document Completion Rates
Portfolio Readiness
Document generation status per claim: letters of authority, FOS submissions, claim documents. The funder assesses portfolio readiness from completion rates rather than requesting file packs.
📡
Live Submission Pipeline
FOS and Lender Status
Submission status, response receipts, provisional decisions, and resolution timelines fed back from FOS and lender data. The funder tracks recovery progress without waiting for your management report.
⚠️
Drop-off and Score Drift Alerts
Portfolio Health Signals
Material changes in drop-off rates or PIS score distributions trigger alerts in the funder's dashboard. Early warning signals surface before they become portfolio events, protecting both parties.
⚡
Intake Velocity and Processing Lag
Operational Health
Live operational metrics covering claim intake speed, processing throughput, and exception queue depth. The funder monitors operational capacity without relying on your own reporting of internal metrics.
🏦
Lender Cohort Breakdown
Concentration Analysis
Portfolio segmented by lender, product type, and commission structure. The funder monitors concentration risk across the funded cohort and benchmarks your book against platform-wide lender response patterns.
🎯
Platform Benchmark Score
Cross-Portfolio Comparison
Your portfolio's PIS distribution, processing velocity, and settlement rate benchmarked in real time against platform-wide averages across all participating firms. The funder sees exactly where your book sits relative to the broader platform, not just in absolute terms.
04
The access licence structure
Two separate commercial relationships with OCC. One for your firm. One for your funder. Neither is contingent on the other performing. Neither creates any obligation for OCC in relation to the funding arrangement between you.
Solicitor firm licence
ClaimPassports Platform Licence
Your operational licence covers claim intake, ESP and EPR scoring, document generation, FOS integration, and bulk processing. This licence exists regardless of whether you use the platform to support a funding arrangement. It is your operational infrastructure.
Funder access licence
ClaimWatch Access Licence
Your funder purchases a separate ClaimWatch access licence directly from OCC. This gives them read-level access to your portfolio data. The access licence is between OCC and the funder. It does not create any obligation for OCC in relation to the funding arrangement itself.
Access mechanism
Automatic on licence activation
Once your funder activates their ClaimWatch access licence with OCC, access to your portfolio data is granted automatically. No separate action is required from your firm. OCC is not a party to and has no knowledge of the commercial terms of your LFA.
OCC's role in the funding
Platform provider only
OCC does not introduce firms to funders. OCC does not arrange, facilitate, or guarantee any funding arrangement. OCC does not participate in the LFA in any capacity. OCC's only role is to provide and maintain the platform that both parties access under their respective licences.
Data independence
Platform-generated, not firm-prepared
The data the funder accesses is produced by the platform's AI scoring engine, not by your firm. This is the critical distinction. The funder is not relying on data you have prepared for them. They are reading the same platform output you use to manage your own cases.
Funding terms
Directly between firm and funder
All commercial terms including draw amounts, return structures, repayment triggers, security arrangements, and facility size are negotiated and documented directly between your firm and your chosen funder. OCC has no involvement in and no liability for those terms.
Claim outcomes
No OCC exposure
OCC has no financial exposure to the success or failure of any claim in any funded portfolio. OCC's licence income is independent of claim outcomes. Platform access licence fees are payable regardless of portfolio performance.
Facility target
£580 million target
The current £580 million facility represents the aggregate funding capacity OCC anticipates the platform can support across participating funders and solicitor firms in 2026. The platform has a processing capacity of 1.4 million claims per month across the network.
First draw timeline
60 days to assessment
Once your ClaimPassports licence is active and processing live claims, the 60-day data accumulation period begins immediately. At 60 days, your portfolio is eligible for assessment by any funder holding a ClaimWatch access licence. The stronger and cleaner your data over that period, the stronger the draw case the funder sees. Every subsequent draw is faster than the first.
05
How this differs from traditional litigation funding
Traditional funding approach
- 6 to 18 week approval cycle through a credit committee
- Funder conducts their own file review on a sample of your cases
- Portfolio narrative prepared by your firm for the funder
- Approval based on sector averages and your firm's historic accounts
- Post-deployment monitoring via your monthly management reports
- No standardised data: each firm reports in its own format
- Funder has no live visibility between reporting periods
- Score deterioration or operational problems discovered retrospectively
- Renewal negotiated from a position of funder information dependency
- Each funder builds its own origination pipeline independently
ClaimPassports platform model
- Assessment driven by 60 days of live AI-scored platform data
- Funder reads platform scores directly, no independent file review needed
- Portfolio data produced by the platform engine, not prepared by your firm
- Underwriting uses ESP and EPR scores: your actual claim quality, not averages
- ClaimWatch provides live funder monitoring throughout the facility term
- Identical scoring methodology across all platform firms: like-for-like comparison
- Live score, submission, and operational data available to the funder at all times
- Score drift and drop-off alerts surface before problems appear in reports
- Your platform data is your track record: stronger data produces better renewal terms
- Platform access licence gives any participating funder instant portfolio visibility
On OCC's position: OCC Software Limited is the platform licensor only. OCC is not a litigation funder, not a credit broker, not an introducer, and not a party to any funding agreement. OCC does not provide legal, financial, or regulatory advice in relation to litigation funding arrangements. All funding decisions, terms, and obligations are entirely between the solicitor firm and the litigation funder under their directly executed agreement. Firms must take independent legal advice before entering any funding arrangement.
06
Platform requirements to support a funding arrangement
The following represents what a litigation funder accessing the platform will typically require from your portfolio data before committing to a draw. These are not OCC's requirements. They are the data thresholds that participating funders on the platform have indicated are necessary for a meaningful portfolio assessment. OCC makes no representation about any individual funder's specific requirements, which are governed entirely by the funder's own underwriting criteria and the terms of your LFA.
| Platform Data Requirement |
What it means in practice |
Typical funder threshold |
| Active ClaimPassports licence |
Your firm holds a current ClaimPassports platform licence with live claim data actively processing. The funder's access licence is contingent on your licence being active. |
REQUIRED |
| 60 days of live platform data |
A minimum of 60 days of documented claim cycle data on the platform. Intake velocity, processing timelines, drop-off rates, and score distributions must be available for assessment. |
MINIMUM |
| Minimum active claim volume |
The facility is structured for established firms running serious claim books. A minimum of 2,500 active scored claims is required for a first draw assessment. At this volume the PIS band distribution is statistically meaningful, processing velocity data is substantive, and the draw cohort can be sized at a level that justifies institutional funder commitment. Larger portfolios attract larger facility allocations. |
2,500+ CLAIMS |
| PIS band distribution |
The proportion of your portfolio scoring PIS band B or above. Funders typically require at least 60% of the proposed draw cohort to meet this threshold. Claims scoring C or below are typically excluded from funded cohorts. |
60% BAND B+ |
| Document completion rates |
The percentage of claims in the proposed draw cohort with complete documentation. Low completion rates indicate operational bottlenecks that funders treat as a portfolio risk signal. |
ASSESSED |
| SRA or Law Society authorisation |
Current, active regulatory authorisation with no material findings outstanding. Funders on the platform will verify regulatory status independently before executing any LFA. |
REQUIRED |
07
Claim types active on the platform
ClaimPassports currently processes 12 live claims products across 35 sub-products. The claim types below represent the categories most commonly assessed by participating funders on the platform. A firm running volume in any of these categories has a portfolio that is immediately assessable by any funder holding a platform access licence.
PCP and motor finance mis-selling (DCA)
HP and conditional sale mis-selling
Insurance mis-selling and premium finance
Pension mis-selling and transfer claims
Investment mis-selling (SIPP, unregulated)
Credit card and store card mis-selling
Consumer credit and payday loan claims
Packaged bank account mis-selling
SME energy overcharge claims
Mortgage and bridging finance mis-selling
Business interruption insurance claims
08
Platform readiness: how funder assessment works
£580 Million · 2026 Facility Target
Funders on the platform assess portfolios by data quality and platform readiness. The stronger your live data, the stronger your draw case.
The £580 million facility target represents the aggregate funding capacity OCC anticipates the platform can support across participating funders and solicitor firms in 2026. The platform processes 1.4 million claims per month across the network. Participating funders assess portfolios based on data quality, score distribution, and processing consistency. The stronger and more established your platform data, the stronger your draw assessment.
Firms that activate on the platform begin building the data record that determines the strength of their draw case. Each month of live, well-scored data deepens the portfolio intelligence available to participating funders. A firm with more established platform data presents a stronger and more complete portfolio assessment than a firm with less.
Firms operating on ClaimPassports with active, scored claim data are immediately accessible to any funder who activates a ClaimWatch access licence. Funder access is automatic on licence activation. Firms onboarding now begin the 60-day data accumulation period on activation.
OCC Software Limited · ClaimPassports Platform
Make your claim book visible to the capital that funds it.
Speak with OCC about platform licensing, ClaimWatch access, and how to structure funder access through your ClaimPassports licence. OCC does not provide funding advice. All funding terms are negotiated directly with your chosen funder.