Sanhedrin 2 - Monetary Cases are Judged by Courts of Three (Criminal)
Cases of robbery and bodily injury are also monetary cases, adjudicated by courts of three qualified judges. Qualified in this context means that besides knowing relevant Torah law and scientific discovery, they must also possess "semicha," an uninterrupted chain of ordination going back to Moses.
However, loan cases can be adjudicated even by judges without semicha. This was an additional enactment made to " not close doors for the would-be borrowers" so lenders would find it easy to resolve loan questions and wouldn't always require ordained judges in loan disputes.
Art: Charles I in Three Positions by Anthony Van Dyck
