Criterica Intelligence — production models trained on real court records, not synthetic data
Systematic Underwriting

Systematic where judgment doesn't scale. Human where it matters.

Your best underwriter cannot read every file, and their judgment leaves when they do. The system scores every matter, drafts every memo, and monitors every funded position — so your professionals spend their judgment where it actually moves the outcome: the commitment decision.

01

Structured intake

Every matter enters through structured capture of the variables that predict outcome — jurisdiction, case type, posture, assignment, timing. Nothing waits for an analyst to have bandwidth: intake is scored the day it arrives.

02

Fleet scoring

The matter is scored against the production model fleet at submission — outcome probability, settlement likelihood, duration distribution, and value banding, each from the jurisdiction-specific model that earned production status for exactly this configuration.

03

Committee-ready memo

Scores, comparables, judicial context, and portfolio-fit analysis assemble into a structured underwriting memo. The system drafts the evidence; it does not make the commitment.

04

The decision — yours

HUMAN DECISION POINT

Capital commitment, pricing, and exceptions stay with your underwriters and your committee. The system's job is to make sure that decision is made with a calibrated number, full coverage, and an audit trail — not to make it for you.

05

Continuous monitoring

Funded matters are re-scored as dockets move. Deterioration, stale cases, and unresponsive matters surface automatically, with servicing workflows that keep the book current without manual sweeps.

06

Outcome measurement

When matters resolve, predictions are scored against what actually happened — per model, per venue, per vintage. That measurement is the raw material of the next retrain, and the loop closes.

The recursive validation loop
REAL OUTCOMESCourts resolve casesCORPUSRecords ingested, provenance-keyedMODELSRetrained, re-gatedDECISIONSUnderwriting on calibrated numbersMEASUREMENTPredictions scored vs. what happenedTHE LOOPEvery cycle sharpens the next

The system is built to get harder to compete with every quarter.

Courts keep resolving cases. Every resolved outcome is scored against what the models predicted, per venue and per vintage; models that drift are demoted, models that hold are retrained on the enlarged corpus and re-cleared through the same gates. The measurement step is not quality control bolted on at the end — it is the input to the next cycle.

That recursion is the compounding asset. A competitor starting today does not just need our data — they need the years of closed loops that turned data into calibration, and there is no shortcut through elapsed outcomes.

The fastest way to see the pipeline on your own terms: run the audit on your book and watch the same machinery score matters whose outcomes you already know.

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