Sell Your Settlement. Keep More Cash.
Stop leaving money on the table. We connect you with 3-5 competing settlement buyers so you get the highest offer for your structured settlement payments.
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Step 1 of 3 - Takes 90 seconds
How It Works - 5 Simple Steps
From form submission to cash in your account. Most sellers complete the process in 45-60 days.
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Get 3-5 Competing Offers
Licensed buyers compete for your settlement within 24 hours.
Comparing 3-5 offers typically lowers your discount rate by 2-4 points.
Compare Side-by-Side
See every offer with clear discount rates, fees, and net cash.
Our free tool highlights the best deal automatically.
Court Approves Transfer
A judge confirms the sale is in your best interest.
We handle all paperwork and court filings at zero cost.
Cash in Your Account
Funds wired directly to your bank. Typical: 45-60 days total.
Court denials occur in under 5% of properly documented cases.
Why Sellers Use Their Cash
Real data from 10,000+ settlement holders who chose to sell.
Medical Bills
Cover surgeries, treatments, or ongoing care now.
34% of sellersBuy a Home
Use your lump sum as a down payment and build equity.
22% of sellersEliminate Debt
Pay off high-interest credit cards, loans, or collections.
28% of sellersEducation
Invest in your future or your children's tuition.
8% of sellersStart a Business
Fund your entrepreneurial vision with real capital.
5% of sellersInvest & Grow
Diversify into real estate, stocks, or retirement.
3% of sellersReal Results From Real Sellers
Verified outcomes from settlement holders who compared quotes.
“SettlementDecisions connected me with 4 buyers. I got $16,500 MORE than the first offer I received on my own.”
Michael R.
Tampa, FL
“The court process seemed scary but everything was handled. 52 days from start to cash in my account.”
Sarah K.
Phoenix, AZ
“Sold only part of my settlement. Still get monthly payments AND bought my first home.”
James T.
Atlanta, GA
“North Carolina's rate cap helped, but having competing quotes is what got me the best deal.”
Linda M.
Charlotte, NC
Buyers In Our Network
All buyers are BBB-rated, licensed, and vetted. See full reviews
DRB Capital
7.5-12%
Peachtree Financial
9-13%
SenecaOne
9-13%
Fairfield Funding
10-14%
Frequently Asked Questions
Everything you need to know before selling. See our full Q&A guide
Free Tools & Resources
Everything you need to make the best decision.
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How to compare structured settlement offers
Comparing structured settlement offers means converting each quote into an effective discount rate, then ranking by net cash after fees. A $2,000 monthly payment with 15 years remaining has a $360,000 face value. At a 9% discount rate you receive roughly $205,000; at 15%, roughly $142,000. That $63,000 spread is why comparing 3-5 buyers matters more than any other decision in the process.
Is my structured settlement offer fair?
An offer is competitive when the effective discount rate falls between 7.5% and 12% for guaranteed payments. Rates of 15% to 18% are typical of first offers made to sellers who have not shopped around. Ask every buyer to state the discount rate in writing, not just the lump sum.
Which company pays the most for structured settlements?
No single buyer pays the most on every case. Rates vary by state, face value, payment type, and how many competing quotes you hold. Note that JG Wentworth, Peachtree Financial, and Stone Street Capital share a parent company, so quotes from all three are not independent competition. Include at least one unaffiliated buyer.
What is a good discount rate on a structured settlement?
Guaranteed payments price between 7.5% and 12% for well-shopped cases. Life-contingent payments price several points higher because the buyer assumes mortality risk. Larger face values and monthly payment frequency both improve your rate.
Can I negotiate a structured settlement offer?
Yes. Written competing quotes are the only leverage that reliably moves a discount rate. Buyers expect negotiation and rarely lead with their best rate. Never accept a first offer without at least two comparisons.
How many quotes should I get before selling?
Three to five. Below three you have no reference point for whether a rate is competitive. Above five, returns diminish and the paperwork burden grows. Request all quotes within the same two-week window so the underlying rate environment is comparable.