10 Best Structured Settlement Companies of 2025

Peachtree Financial Solutions

Top Pick

★★★★☆

Rating: 4.4/5 — Best For: Most sellers, particularly those prioritizing competitive rates and a smooth process

Peachtree Financial Solutions tops our rankings for 2025. With over 25 years in the industry, an A+ BBB rating, and a typical discount rate range of approximately 9% to 16%, Peachtree consistently ranks among the more competitive buyers based on available data. Their process is reportedly well-organized, and their case managers are experienced with court approval requirements across multiple states. For most sellers, Peachtree is the first call we recommend.

Full Review

J.G. Wentworth

Most Established

★★★★☆

Rating: 4.2/5 — Best For: Sellers who prioritize brand recognition and a long operating track record

J.G. Wentworth is the most recognized name in structured settlement purchasing, with over 30 years in business and operations across all 50 states. Their A+ BBB rating and extensive experience in the court approval process make them a solid choice. Their typical discount rate range is approximately 9% to 18%, which may run slightly higher at the upper end compared to Peachtree. Strongly recommended as a second quote in any comparison shopping process.

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CBC Settlement Funding

★★★★☆

Rating: 4.0/5 — Best For: Sellers with complex payment schedules or non-standard structured settlements

CBC Settlement Funding has over 20 years of experience and an A BBB rating. Their team is regarded as experienced with complex transactions, making them a strong option for sellers whose structured settlements involve unusual payment structures, deferred lump sums, or multiple annuity issuers. They do not offer an instant online quote, so initial contact requires a phone or web inquiry. Typical discount rates reportedly range from approximately 10% to 17%.

Full Review

Fairfield Funding

★★★★☆

Rating: 4.1/5 — Best For: Sellers seeking an established alternative to the biggest names

Fairfield Funding has been operating for over 15 years and holds an A+ BBB rating. Based on publicly available information, they offer an online quote process and support partial sales. Their typical discount rate range is approximately 10% to 18%. While their history is shorter than the top three buyers, their BBB standing and rate range make them a reasonable option to include in a comparison quote process.

Companies #5–10: Notable Buyers Worth Knowing

The following companies are active in the structured settlement purchasing market. Our coverage of them is more limited than our top four rankings, and we encourage sellers to conduct their own research on these firms including reviewing current BBB records before engaging.

Stone Street Capital

Best for: Sellers interested in a mid-size buyer with a regional focus. Stone Street Capital has been active in the structured settlement market for many years and is known within the industry for handling a range of annuity and settlement transaction types. As with all buyers, rates and terms may vary by transaction and state.

DRB Capital

Best for: Sellers looking for a buyer that also handles lottery winnings and legal funding. DRB Capital operates in structured settlements and several related payment purchasing segments. Their multi-segment focus may be an advantage for sellers with more complex financial needs beyond a straightforward structured settlement sale.

Novation Settlement Solutions

Best for: Sellers seeking a buyer with experience in annuity and structured settlement transactions. Novation has been active in the market and is recognized within the industry. As a smaller buyer, they may offer a more personalized experience for some sellers. We recommend verifying their current BBB status and getting a direct quote for comparison.

Seneca One

Best for: Sellers interested in a buyer that has operated across structured settlements and other financial products. Seneca One has been active in the industry and is worth including in a broader quote comparison for sellers who want to maximize their options. Check current BBB records and seek a direct quote to evaluate competitiveness.

Olive Branch Funding

Best for: Sellers who prefer working with a smaller, more specialized buyer. Olive Branch Funding operates in the structured settlement purchasing market and may offer a more relationship-focused process. As always, requesting a detailed quote and comparing it against offers from larger buyers is the recommended approach.

#10

RSL Funding

Best for: Sellers in certain states seeking additional quote options. RSL Funding is active in the structured settlement purchasing space and may be a useful addition to a comparison shopping process, particularly for sellers who haven't received competitive quotes from larger buyers. Review their current BBB status and collect a written offer before making any decisions.

How to Vet a Structured Settlement Buyer: What to Look For

Before committing to any structured settlement sale, the following steps can help you evaluate whether a buyer is legitimate and whether their offer is competitive:

Check Their BBB Profile

The Better Business Bureau maintains complaint records and ratings for most structured settlement buyers. An A or A+ rating indicates a generally satisfactory record in resolving consumer complaints. Review the content of any complaints, not just the rating — some complaints reveal patterns worth knowing about, such as communication delays or disputed terms.

Get Multiple Quotes

Discount rates can vary meaningfully between buyers for the same payment stream. Getting quotes from at least two or three buyers is the most reliable way to know whether an offer is competitive. Be sure to compare the total lump sum amount offered, not just the stated discount rate percentage.

Understand the Discount Rate

The discount rate is the effective annual rate used to convert your future payments to a present lump sum value. A lower discount rate produces a larger lump sum. Rates of 9% to 12% are generally considered more competitive for this market; rates above 15% to 18% may significantly reduce the value you receive. Use our free structured settlement calculator to estimate the impact of different discount rates on your specific payment schedule.

Ask About Partial Sales

Selling only a portion of your payments — for example, selling five years of payments while keeping the remaining balance — may give you the immediate cash you need while preserving long-term income. Most reputable buyers offer this option. If a buyer doesn't, that is worth noting.

Understand the Court Approval Timeline

All structured settlement sales require court approval under the Structured Settlement Protection Act. This process typically takes 45 to 90 days, though timelines vary by state and court schedule. A buyer who suggests faster timelines may be overpromising, while one who provides realistic timelines and regular case updates is a positive signal.

Red Flags to Watch For

Pressure tactics: Any buyer who pressures you to sign quickly or discourages you from getting other quotes should be approached with caution.
Unusually high discount rates: Rates significantly above the typical 9–18% range may indicate you are not getting a fair offer.
Vague or verbal-only offers: Any legitimate offer should be provided in writing with a clear breakdown of the lump sum amount, discount rate, and payment schedule being purchased.
No clear court approval explanation: All structured settlement sales require a court hearing. A buyer who glosses over this process or doesn't explain it may not be fully prepared to handle it.
Requests for upfront fees: Reputable structured settlement buyers do not charge upfront fees. Their compensation comes from the discount built into the purchase price.
No verifiable physical address or BBB profile: Any buyer worth considering should have a traceable business presence and at minimum a BBB listing.

Before you call anyone: Use our free calculator to estimate what your structured settlement payments may be worth as a lump sum. Knowing your approximate value before talking to buyers gives you a meaningful baseline for evaluating any offer.

Try the Free Calculator