Updated May 2026
Structured Settlement Buyer Ratings & Reviews
Independent ratings of every major structured settlement buyer. Rates, timelines, reviews, and what they won't tell you.
TOP PICK - BEST RATED
DRB Capital
★ 4.6/5(850 reviews)BBB A+
Discount rates
8% - 14.5%
Timeline
32 days
Years in Business
8 yrs
Customers
15K+
States
48
Best For
Competitive rates, modern process
Pros:
✓ Tech-forward process
✓ Competitive rates
✓ Strong reviews
✓ Fast court filing
Cons:
✗ Newer company
✗ Less brand recognition
Peachtree Financial
★ 4.5/5(3,200 reviews)BBB A+
Discount rates
7.5% - 14%
Timeline
30 days
Years in Business
20 yrs
Customers
50K+
States
50
Best For
Best rates, personal service
Pros:
✓ Lowest discount rates
✓ Dedicated case manager
✓ Transparent pricing
✓ No hidden fees
Cons:
✗ Smaller company
✗ Fewer state offices
Fairfield Funding
★ 4.3/5(1,100 reviews)BBB A
Discount rates
8% - 15%
Timeline
38 days
Years in Business
15 yrs
Customers
25K+
States
50
Best For
Annuity purchases, flexibility
Pros:
✓ Flexible partial purchases
✓ Annuity specialists
✓ Good communication
✓ Competitive offers
Cons:
✗ Slightly longer timelines
✗ Limited online tools
JG Wentworth
★ 4.2/5(12,500 reviews)BBB A+
Discount rates
8.5% - 15%
Timeline
35 days
Years in Business
33 yrs
Customers
375K+
States
50
Best For
Large settlements, fast processing
Pros:
✓ Best price guarantee
✓ Most experienced (33 yrs)
✓ Handles court process
✓ Partial purchases available
Cons:
✗ Higher rates for small amounts
✗ Aggressive follow-up calls
CBC Settlement Funding
★ 4.1/5(780 reviews)BBB A+
Discount rates
8.5% - 15.5%
Timeline
40 days
Years in Business
12 yrs
Customers
20K+
States
45
Best For
Pre-settlement funding, structured settlements
Pros:
✓ Pre-settlement funding available
✓ BBB A+ rated
✓ Experienced team
✓ Flexible terms
Cons:
✗ Higher max rates
✗ Slower than some competitors
SenecaOne
★ 4/5(620 reviews)BBB A
Discount rates
9% - 16%
Timeline
42 days
Years in Business
10 yrs
Customers
12K+
States
42
Best For
Lottery winnings, smaller settlements
Pros:
✓ Lottery payment specialists
✓ Easy application
✓ Decent rates
✓ No upfront costs
Cons:
✗ Higher average rates
✗ Less competitive for large settlements
Novation Capital
★ 4/5(520 reviews)BBB A
Discount rates
8.5% - 15.5%
Timeline
40 days
Years in Business
15 yrs
Customers
18K+
States
44
Best For
Workers comp settlements
Pros:
✓ Workers comp specialists
✓ Experienced
✓ Fair rates
✓ Good customer service
Cons:
✗ Not as competitive on PI settlements
✗ Average timelines
Strategic Capital
★ 3.9/5(450 reviews)BBB B+
Discount rates
9.5% - 16.5%
Timeline
45 days
Years in Business
8 yrs
Customers
8K+
States
38
Best For
Quick processing, smaller amounts
Pros:
✓ Fast initial quotes
✓ Simple process
✓ Good for small settlements
Cons:
✗ Higher rates
✗ Fewer reviews
✗ Limited state coverage
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