Best Structured Settlement Companies

Note: This section is solely the opinion of and not subject to financial review. To maintain neutrality, the financial reviewer does not endorse any financial product or company.

CBC Settlement Funding

CBC Settlement Funding

Headquartered in Conshohocken, PA, CBC Settlement Funding has been around since 2009. They have excellent customer service and offer multiple payout options so you can choose the best way to sell your structured settlement.

Rating: 5

DRB capital

DRB Capital is an industry leader in purchasing structured settlements, having helped thousands of clients over the years. In addition to competitive quotes, DRB Capital also offers their clients an outstanding customer service team that works efficiently to meet your needs. You’ll get a free, no-obligation quote quickly and the company also offers a best price guarantee.

The DRB Capital team will assign a representative to work closely with you to meet your individual needs. Each time you are in contact with DRB Capital you will be able to speak with this same individual who is familiar with your case. Even better, their representatives do not rush or pressure you to make a decision, but provide as much information and guidance as you require to make a decision. 

Rating: 5

Fairfield Funding

From their base in Atlanta, GA, Fairfield Funding provides customers with specialized service in the purchase of structured settlements. Fairfield Funding’s financial professionals offer expert service to customers selling their structured settlements.

Rating: 4

Novation Settlement Solutions

A structured settlement company based in West Palm Beach, Florida. Novation Settlement Solutions offers customers the ability to cash out their structured settlements, promising to make quick decisions. Novation Settlement Solutions also offers customers the ability to receive offers over the phone or submit their questions by email.

Rating: 4

Stone Street Capital

Stone Street Capital is located in Bethesda, Maryland and delivers fast funding times once a judge approves your structured settlement transaction. In fact, the company says the average wait time for funding is just one week after your court hearing.

Rating: 4

RSL Funding

RSL Funding has served thousands of customers over the years, with settlement lump sum payouts totaling $200 million. It’s a national company, but headquartered in Houston, TX. Additionally, RSL Funding offers a Most Cash Guarantee, plus there are referral bonuses available.

Rating: 3.5


WePayMoreFunding offers a lot of information so you know what to expect every step of the way. Plus, they’re committed to completing transactions as soon as possible, often between 45 and 90 days depending on the schedule of court hearings.

Rating: 3.5

What to Consider When Choosing a Structured Settlement Buyer

Consider the following factors when choosing a factoring company to purchase your structured settlement:

  1. Customer service: Choose a company that promptly answers the phone, demonstrates knowledge and experience, and fully answers your questions.
  2. Low discount rate: Not all factoring companies use the same discount rate. The higher the rate, the less money you’ll receive. However, consider any flat fees as well.
  3. Multiple buyout options: The buyer should offer multiple options specific to your financial situation, rather than pushing you to sell all your payments.
  4. Reputation: Check the reputation of the company. They should have a license in your state and a valid physical address in the U.S. Also, check third party reviews online.
  5. Legal help: Find out if the company helps with the legal process of court approval, including scheduling a hearing on your behalf.
  6. NASP membership: The National Association of Settlement Purchasers is a trade organization of structured settlement buyers in the secondary market. Membership indicates that the company pledges to abide by certain industry standards and principles.

Get quotes from multiple companies so that you know you’re getting the best deal possible.

Process of Selling a Structured Settlement

Selling a structured settlement involves the following steps:

  1. Get quotes from multiple companies: Most structured settlement companies offer free, no-obligation quotes over the phone. It takes just a few minutes, so it’s easy to gather several options.
  2. Accept an offer: Find a company that offers a low discount rate and has a credible reputation. If the terms look good to you (and your attorney and financial advisor), you’ll sign papers and complete a full application.
  3. Receive court approval: The structured settlement company will arrange a court hearing so a judge can approve the transaction. This is to ensure that the sale makes sense for your financial situation.
  4. Get your money: Once the court approves the sale, a copy of the paperwork is sent to the insurance company that makes your annuity payments. Once that is processed, you’ll get your money from the buyer.

Overall, the process takes two to three months, depending on how quickly a court hearing is scheduled. Read this guide on structured settlements to better prepare for discussions with potential buyers.

You don’t have to decide alone. If you have questions, get advice from a financial planner.

Understanding the Discount Rate

When evaluating structured settlement companies, make sure you carefully consider the discount rate. This is the rate of return the seller requires on future payments to make it worth giving you cash immediately.

The lower the discount rate, the more cash you’ll end up with. The purchasing company will determine how much your future annuity payments are worth today by applying this formula: PMT x ((1 – (1 / (1 + r) ^ -n)) / r). PMT is the amount of each future payment, r equals the discount rate, and n corresponds to how many payments remain.

Discount rates range between 9% and 18%, but sometimes go even higher. This will significantly affect how much you receive, so make sure to shop around.


Is it possible to sell structured settlement payments while going through a divorce?

Each state has its own laws on how assets are distributed during a divorce. Consult your attorney.

Who buys structured settlements?

Factoring companies such as JG Wentworth, DRB Capital, and CBC Settlement Funding buy structured settlements.

What is the present value?

The present value is the value of your remaining structured settlement payments today based on expectations of future interest rates. In other words, present value tells you how much cash someone would pay today for a series of future payments based on a given discount rate.

Will I pay tax when selling my structured settlement?

U.S. federal income tax does not apply for most types of structured settlements, including personal injury, wrongful death, and medical malpractice.

Can I cancel the sale of my structured settlement?

There is usually a period following the transaction—called the cooling off period—during which you can cancel the sale. The amount of time you have, if any, varies depending on your state.

Note: Company evaluations and ratings are solely the opinion of and not subject to financial review.