Who Buys Structured Settlements?
Quick Answer
Structured settlements are purchased by factoring companies specialized financial firms that buy future payment streams at a discount. Major buyers include JG Wentworth (largest by volume), DRB Capital, Peachtree Financial, Strategic Capital, Fairfield Funding, SenecaOne, and CBC Settlement Funding. There are 26+ active licensed buyers nationally in 2026.
Key Statistic
26+ licensed buyers competing for your payments
Expert Analysis
Buyers fall into three categories: Large national firms (JG Wentworth, Peachtree): Highest brand recognition, broad reach, but often not the most competitive rates due to high advertising costs they pass to you. Mid-size specialists (DRB Capital, Strategic Capital, Fairfield): Often offer the best rates because lower overhead. They specialize in settlements and are very efficient. Smaller/regional firms: May offer competitive rates but have less court experience, which can slow the process.
How buyers make money: They pay you a discounted present value today, then collect the full payment stream over time. The difference between what they pay you and what they ultimately collect (the 'spread') is their gross profit, from which they pay operating costs.
The buying market has become more competitive in recent years, which benefits sellers. In 2018, the average discount rate was 15.3%. By 2026, it's 9.2%. More competition = better prices for you. This is exactly why getting multiple quotes is so powerful.
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