Best Structured Settlement Companies


Trust DRB Capital for Your Structured Settlement Needs – Exceptional Customer Service Guaranteed

DRB Capital is a leading structured settlement company with a solid reputation for providing excellent customer service. We are committed to assisting our clients in accessing their funds in a timely manner and have helped thousands of customers over the years.

We work closely with you throughout the process to gain a comprehensive understanding of your financial situation. Our services include purchasing both structured settlements and annuities, and we provide a prompt, no-obligation quote within minutes of a brief phone conversation. With our best price guarantee, you can take comfort in knowing that you are getting the best price for your settlement payments.

Choose DRB Capital for a smooth and hassle-free experience. Our customers enjoy a dedicated customer service representative who will manage all paperwork, answer any questions, and address any concerns throughout the process. Contact us today and experience the DRB difference.


Introducing Fairfield Funding, the Atlanta-based company that caters to those who need immediate access to their future structured settlement or annuity payments. Our team of experts boasts over 25 years of collective experience in the factoring industry, providing a variety of high-quality services suited to your specific needs. Count on us to handle your financial requirements efficiently and professionally.


Introducing CBC Settlement Funding – a reputable structured settlement company, based in Conshohocken, Pennsylvania. With over a decade of experience in the industry, CBC purchases annuity payments from individuals in need of a lump sum of cash. Along with structured settlements and annuities, the company also offers pre-settlement funding. Trust the experts at CBC Settlement Funding for your financial needs.


Established in 2002 with operations based in Rosemont, Illinois, Oasis Legal Finance specializes in pre-settlement funding and structured settlement as well as annuity payments. Worry no more as a dedicated case manager will assist you throughout the process, ensuring a seamless experience with Oasis Legal Finance. Choose us to empower your legal journey confidently.


Novation Settlement Solutions, founded in 2000 in West Palm Beach, Florida, is committed to guaranteeing prompt payment on your structured settlement and annuity. Rest easy knowing that your financial needs are secure with us.


Founded in 2015, Liberty Settlement Funding is a structured settlement buyer based in Dania Beach, Florida which provides a range of exceptional services, such as annuity buyouts, lottery payout, and more. Trust us to help you secure your future today.


Based in Bethesda, Maryland, Stone Street Capital is a renowned company established in 1989. With their excellent services, you can sell your lawsuit settlements, annuities, or lottery winnings in return for fast cash. Get a free, no-obligation quote for the value of your payments and make an informed decision. Contact Stone Street Capital today.


Houston-based RSL Funding has assisted numerous clients in receiving over $200 million in lump sum payouts, earning us a reputation as a trustworthy funding provider. We proudly offer a “Most Cash” assurance, and if eligibility requirements are met, we’ll pay $1,000. Our services include purchasing structured settlements, annuities, and lottery winnings. Choose RSL Funding for all your funding needs.


Looking for a company to purchase your annuity, structured settlement, or lottery winnings? Look no further than WePayMoreFunding. With over 30 years of experience in structured funding payouts, our team can ensure a smooth and efficient process. While processing times vary based on location, most payouts are completed within 45 to 90 days. Trust in our expertise and let us help you receive the most for your financial assets.


J.G. Wentworth is one of the most well-known structured settlement companies. With over 25 years of experience, they have a strong reputation for providing competitive offers and excellent customer service. They offer a variety of financial services, including structured settlement payment purchasing.


Peachtree Financial Solutions has been in the industry for over 20 years and is highly regarded for its customer-centric approach. They offer personalized solutions and work closely with customers to understand their financial needs. Peachtree Financial Solutions provides options for selling structured settlement payments as well as annuity payments.


Settlement Capital has been serving customers since 1988 and has established itself as a reputable structured settlement company. They offer personalized solutions and strive to provide competitive pricing for structured settlement payments. Settlement Capital also offers assistance with annuity and lottery payment sales.


SenecaOne is a structured settlement company that has been in the industry for over two decades. They offer comprehensive services, including purchasing structured settlement payments, lottery winnings, and annuity payments. SenecaOne is known for its customer-focused approach, competitive offers, and quick turnaround times.


Woodbridge Structured Funding specializes in purchasing structured settlements, annuities, and lottery payments. With a solid reputation and years of experience, they provide personalized solutions to meet individual financial needs. Woodbridge Structured Funding emphasizes transparency and responsiveness throughout the process.

It’s important to note that the structured settlement industry is highly regulated, and it’s advisable to do thorough research and consider multiple offers before making a decision. Consulting with a financial advisor or attorney can also help individuals navigate the process and make informed choices.

How to Choose the Best Structured Settlement Buyer for Your Needs

When choosing a buyer for your future structured settlement payments, it’s crucial to make an informed decision. Consider the following factors to ensure you select the best option for your needs:

1. Customer Service Excellence: Prioritize companies that prioritize exceptional customer service. During your interactions with prospective buyers, observe how they address your inquiries and concerns. If you feel rushed or your questions remain unanswered, it’s advisable to continue your search for a more responsive and attentive buyer.

2. Competitive Discount Rate: Not all purchasers offer the same compensation for structured settlements. Take advantage of the competitive nature of the secondary market by seeking multiple offers. Shop around to secure the best possible deal and ensure you receive fair value for your future payments.

3. Diverse Options: Look for a company that provides you with a range of options, including both full and partial buyouts. Avoid buyers who insist on acquiring all your future payments without considering your unique financial circumstances and requirements.

4. Stellar Reputation: Conduct thorough research on the reputation of potential buyers. Explore third-party review platforms such as Google and the Better Business Bureau to gain insights into the experiences of other individuals who have sold their structured settlements through these companies. Prioritize buyers with positive feedback and a track record of satisfied customers.

5. Efficient Timeframe: Consider the time it takes for a buyer to complete the transaction and deliver your cash payment. While the average timeframe for this process is typically 1-2 months, bear in mind that additional court proceedings may lengthen the duration. Opt for a buyer who can provide a clear timeline and demonstrates efficiency in finalizing deals.

6. Expertise and Legal Support: Evaluate the buyer’s level of expertise and the legal assistance they offer. Look for companies with a long-standing presence in the structured settlement industry, as their experience can facilitate smoother court approvals and ensure compliance with legal requirements.

7. NASP Membership: Give preference to structured settlement companies that are members of the National Association of Settlement Purchasers (NASP). NASP membership indicates a commitment to upholding industry standards and best practices, providing you with an added layer of confidence and security.

By carefully considering these factors, you can select a structured settlement buyer that not only offers competitive terms but also demonstrates a commitment to professionalism, customer satisfaction, and ethical practices. Remember to consult with a financial advisor or attorney to guide you through the process and help you make the most informed decision.

Avoiding Unreliable Structured Settlement Companies

To protect yourself from wasting time and money, watch out for the following warning signs when dealing with structured settlement companies:

1. Pushy and Aggressive Behavior: If a company representative is overly pushy, pressuring you to make a quick decision, it’s a red flag. Reputable buyers understand the importance of allowing you sufficient time to consider your options and should never rush you into an agreement.

2. Lack of Contact Information: Ensure the company has a legitimate physical address and complete contact information. Avoid dealing with buyers who provide incomplete or vague contact details, as this may indicate a lack of transparency and professionalism.

3. Delayed or Unresponsive Communication: If the company consistently fails to answer phone calls promptly and instead returns them later, it raises concerns about their reliability. Effective communication is vital throughout the process, and delays or unresponsiveness could lead to unnecessary complications or frustrations.

4. Lack of Transparency: Transparency is crucial when selling your structured settlement. If the company fails to provide clear and comprehensive information about the process, terms, and fees, consider it a warning sign. A reputable buyer will ensure that you fully understand every step and address any questions or concerns you may have.

5. Exorbitant Discount Rates: Be cautious of structured settlement buyers offering excessively high discount rates. A higher discount rate means you will receive significantly less money from the transaction, as it directly impacts the amount you’ll be paid for your structured settlement. Seek buyers who offer fair and competitive rates, ensuring you receive the maximum value for your payments.

6. Comfort and Transparency: The buyer should prioritize your comfort and provide a transparent and comprehensive explanation of the entire process. They should never pressure you into agreeing to the transaction and should allow ample time for you to make a well-informed decision. Reputable structured settlement companies understand the importance of your peace of mind and should provide the necessary support without resorting to sales pressure tactics.

Remember, conducting thorough research and taking your time during the process is crucial. Even if you are in need of the funds urgently, rushing into a transaction without careful consideration can lead to regrettable outcomes. Choosing a reputable and trustworthy buyer will ensure a smoother and safer experience when selling your annuity.

What is the Buyer’s Discount Rate?

When you decide to sell your structured settlement, the buyer will provide you with a lump sum payment in exchange for your remaining annuity payments. However, buyers cannot offer the full value of the remaining payments, as they need to account for their own profitability. This is where the buyer’s discount rate comes into play.

The discount rate applied by buyers can vary significantly, typically falling between 9% and 18%. The specific rate is primarily based on expected future interest rates. Using this rate, the buyer calculates the present value of your future payments. The formula used is PMT x ((1 – (1 / (1 + r) ^ -n)) / r). Here, PMT represents the dollar value of each annuity payment, r represents the discount rate, and n represents the number of remaining payments.

It’s important to note that the present value of your annuity does not solely determine the final offer you receive. Buyers may also include additional costs such as court fees and other expenses in their calculations, which can impact the overall offer you receive.

As a seller, it’s essential to carefully evaluate the discount rate offered by potential buyers. A higher discount rate means you will receive a smaller lump sum payment in exchange for sacrificing some of your long-term income. It’s advisable to compare offers from different buyers to ensure you receive the most favorable and competitive terms.

Remember to consider other factors alongside the discount rate, such as the reputation and reliability of the buyer, any associated fees, and the level of customer service provided. This comprehensive evaluation will help you make an informed decision when selling your structured settlement.

Why Should You Consider Selling Your Payments?

There are several reasons why individuals may consider selling their structured settlement payments. While each person’s circumstances are unique, here are some common reasons to consider selling:

1. Immediate Financial Needs: Selling structured settlement payments can provide a lump sum of cash, which can be valuable when facing urgent financial obligations. Whether it’s medical expenses, debt repayment, education costs, or home repairs, having access to a substantial amount of money upfront can help address pressing financial needs.

2. Investment Opportunities: Some individuals may have the desire to invest in potentially lucrative opportunities. By selling structured settlement payments, they can acquire a significant amount of capital to pursue investments such as real estate, business ventures, or other ventures that have the potential for financial growth.

3. Debt Reduction: Structured settlement payments may not align with an individual’s current financial goals, especially if they are burdened with high-interest debts. By selling their payments, individuals can pay off outstanding debts, reduce interest payments, and improve their overall financial situation.

4. Change in Financial Priorities: Over time, financial goals and priorities may change. What was once an ideal financial arrangement may no longer align with an individual’s current needs or circumstances. Selling structured settlement payments allows for greater flexibility and the ability to adapt to new financial goals.

5. Education or Career Advancement: Selling structured settlement payments can provide the means to pursue higher education, professional training, or career advancement opportunities. Access to a lump sum of cash can help cover tuition fees, vocational programs, or other educational expenses that can lead to personal and professional growth.

6. Capitalize on Life Opportunities: Life is full of unexpected opportunities that may require immediate financial resources. Whether it’s starting a new business, purchasing a home, or funding a once-in-a-lifetime experience, selling structured settlement payments can provide the necessary funds to seize these opportunities.

It’s important to note that the decision to sell structured settlement payments should be made after careful consideration and consultation with financial advisors or legal professionals. While selling payments can provide immediate financial benefits, it’s essential to evaluate the long-term implications and weigh them against your unique financial goals and circumstances.

Options for Selling Your Structured Settlement

When considering selling your structured settlement, you have a few options to explore. Here are the main avenues available:

1. Direct Sale: One option is to sell your structured settlement directly to an individual or entity. This can be a private buyer, investor, or even a family member or friend. Direct sales may offer more flexibility in negotiating terms and potentially result in a higher payout. However, finding a suitable buyer and navigating the legal and financial aspects of the transaction can be complex and time-consuming.

2. Structured Settlement Companies: Structured settlement companies, also known as factoring companies or purchasers, specialize in buying structured settlement payments. These companies are experienced in handling the process and can provide a streamlined and efficient transaction. They offer convenience and expertise, taking care of the paperwork and court approval procedures. However, it’s crucial to research and choose a reputable and trustworthy company to ensure a fair offer and a smooth experience.

3. Online Marketplaces: Some online marketplaces provide a platform for individuals to sell their structured settlement payments. These platforms connect sellers with potential buyers, facilitating the transaction process. It’s important to exercise caution and conduct thorough due diligence when using online marketplaces, as they vary in terms of credibility, fees, and security.

4. Auctions: In some cases, structured settlement sellers may choose to participate in auctions. These auctions allow multiple buyers to bid on the seller’s structured settlement payments, potentially driving up the price. Auctions can be an effective way to maximize the value of your structured settlement, but they may also involve additional costs and complexities.

Before proceeding with any of these options, it’s crucial to carefully evaluate your financial situation, consult with professionals such as financial advisors or attorneys, and thoroughly research the potential buyers or platforms involved. Understanding the terms, fees, and potential impact on your long-term financial well-being is essential to make an informed decision.

Understanding the Process of Selling Your Structured Settlement

When you make the decision to sell your structured settlement, it’s important to familiarize yourself with the typical process involved. Here’s an overview of what you can expect at each step:

1. Research and Contact Structured Settlement Companies: Begin by researching and reaching out to multiple structured settlement companies. Most reputable companies offer free, no-obligation quotes. Take the time to compare these quotes, considering the amount of cash offered, as well as the transparency and professionalism of the company.

2. Compare and Accept an Offer: After receiving quotes from different buyers, carefully compare them to determine the best offer. Consider factors beyond the cash amount, such as the buyer’s reputation, customer reviews, and their experience in the industry. Select the buyer that not only provides a competitive offer but also ensures a transparent and professional experience throughout the transaction.

3. Transaction Document Preparation: Once you accept an offer, the buyer, often referred to as a factoring company, will prepare the necessary transaction documents. These documents outline the terms of the sale and require your signature.

4. Paperwork Filing and Court Hearing: The buyer will then proceed to file the required paperwork and initiate a court hearing. This step is essential for your protection, as it allows a judge to oversee the transaction and ensure it is fair and in your best interest.

5. Appearance before a Judge: As part of the process, you will be required to appear before a judge. During the hearing, the judge may ask you a few questions to ensure you understand the implications of the transaction. Once the judge approves the transaction, an order is issued.

6. Funds Disbursement: After the judge’s approval, the order is sent to the insurance company responsible for making the structured settlement payments. The settlement buyer will work with the insurance company to facilitate the transfer of funds. Once the process is complete, you will receive your money from the settlement buyer.

It’s important to note that the timeline for completing the transaction can vary depending on the specific circumstances of your case, including the court’s availability and the complexity of the paperwork. It’s advisable to work with a reputable structured settlement company that has experience in navigating the legal and administrative aspects of these transactions to ensure a smooth and efficient process.

Always consult with professionals, such as financial advisors or attorneys, to guide you through the process and provide personalized advice based on your unique situation.

Understanding the Structured Settlement Protection Act (SSPA) and State Laws

The Structured Settlement Protection Act (SSPA) is an industry agreement that serves as a framework for self-regulation within the structured settlement industry. It is important to note that the SSPA is not a federal law, but rather a voluntary commitment by major industry associations to safeguard the interests of structured settlement owners.

At the state level, each state has its own laws, often based on the principles of the SSPA, to provide additional protection to structured settlement payment holders. These state-level provisions commonly include:

1. Information Disclosure: When a company agrees to purchase a structured settlement, they are required to provide clear and comprehensive information about the difference in value between the sale price and the value of the remaining payments if the settlement is left intact.

2. Judicial Approval: The transfer of structured settlement payments must be approved by a judge to ensure that the transaction is in the best interest of the individual. The judge considers various factors, including the reason for selling the payments, the discount rate applied, the seller’s employment status, and any prior transactions.

3. Disclosure Statement: A disclosure statement is mandated, which provides a concise summary of the terms of the transaction. This statement ensures that the seller has a clear understanding of the details and implications of the sale.

4. Cooling-Off Period: Many states enforce a cooling-off period, typically lasting between 3 to 10 days after signing the transaction documents. This period allows individuals to cancel the sale if they have a change of heart. It is advisable to consult your state’s attorney general’s office or relevant regulatory authority for specific details regarding the cooling-off period in your state.

5. Independent Professional Advice (IPA): In certain states, individuals are required to seek Independent Professional Advice before completing the sale of their structured settlement payments. An IPA involves consulting with a financial planner or advisor who can provide guidance and assist in understanding the financial implications and potential impact on long-term financial security.

It is crucial to familiarize yourself with both the SSPA and the specific laws and regulations in your state to ensure compliance and protection when selling structured settlement payments. Seeking advice from professionals, such as attorneys or financial planners, can provide further clarity and guidance throughout the process.

Tax Implications when Selling Your Structured Settlement

When it comes to the tax implications of selling a structured settlement, it’s important to understand the following:

1. Non-Taxable Nature: The Periodic Payment Settlement Act of 1982 established that selling an eligible structured settlement does not trigger federal income tax liability. This means that the proceeds you receive from selling your structured settlement payments are typically not subject to federal income tax.

2. Taxability of Lottery Annuities: It’s important to note that lottery annuities are treated differently. If you are selling a lottery annuity as part of your structured settlement, the proceeds from the sale may be subject to federal income tax. Lottery winnings are generally taxable, and selling the annuity associated with the winnings could result in tax obligations. It is advisable to consult with a tax professional to understand the specific tax implications in your situation.

3. Seek Professional Advice: Due to the complexity of tax laws and regulations, it is highly recommended to consult with a qualified tax professional or certified public accountant (CPA) to assess the tax implications of selling your structured settlement. A tax professional can provide personalized guidance based on your individual circumstances and help you navigate the potential tax obligations associated with the sale.

By seeking professional advice, you can gain clarity on the taxability of your structured settlement sale and ensure compliance with applicable tax laws. A tax professional can assist in optimizing your financial outcomes and help you make informed decisions regarding your structured settlement transaction.

How to Compare Structured Settlement Companies to Find the Best One