Settlement Decisions
Company match · 5 questions

Find the right buyer for your settlement

Tell us about your payments and we’ll point you to the three buyers that best fit your size, payment type, timeline and state. No contact details needed to see your matches.

Med F., Settlement AnalystUpdated October 29, 2026

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Question 1 of 520%

How much are the payments you want to sell worth in total?

Add up the future payments you'd sell. A rough figure is fine.

How to compare

What to check in every quote

01

Discount rate

The yearly rate the buyer uses. A few points can mean thousands of dollars.

02

Every fee

Legal, processing and court costs. Ask for them in writing.

03

Net cash

What actually reaches your bank account after fees.

04

Timeline

Most sales take 45–90 days because a judge must approve them.

See every buyer side by side on our company comparison page, or check an offer you already have with the offer analyzer.

Quick answer

Which structured settlement company is best?

No single buyer pays the most for everyone. The best fit depends on your payment size, whether the payments are guaranteed or life-contingent, how soon you need cash and which state you live in.

Get written quotes from at least three buyers for the same payments, then compare them on the net amount you’d receive and the effective annual discount rate, not the headline number.

FAQ

Frequently asked questions

Who are the main structured settlement buyers?
Well-known buyers include J.G. Wentworth, DRB Capital, Catalina Structured Funding, CBC Settlement Funding, Peachtree Financial, SenecaOne, Fairfield Funding and RSL Funding. Many smaller regional buyers also compete. In states such as Georgia and Minnesota you can check the official registry of approved purchasers.
How do I choose a structured settlement company?
Compare at least three written quotes on the effective discount rate, every fee, the net cash you receive, and how long the process takes. Check complaint history with the BBB and your state attorney general, and confirm whether the company funds the deal itself or acts as a broker.
Are structured settlement companies legitimate?
Buyers that go through your state's court approval process are operating within the law. Be wary of upfront fees, pressure to sign fast, or anyone who suggests skipping court approval, because federal law (IRC Section 5891) penalizes transfers without a qualified court order.
What is the difference between a broker and a direct funder?
A direct funder buys your payments with its own money. A broker shops your payments to other buyers and is paid for arranging the deal. Either can work, but ask who will actually own your payments and what the broker is paid.
How many companies should I get quotes from?
At least three. Each extra written quote gives you a better sense of the market and more room to negotiate the discount rate.
How does the match tool work?
It scores six well-known buyers on five things you tell it: the size of your payments, whether they are guaranteed or life contingent, how fast you need cash, your state, and whether you have sold before. It is a starting point for who to ask, not a ranking of who will pay the most.
Will these companies contact me?
Only if you ask. You can see your matches without sharing contact details. If you fill in the quote form, Settlement Decisions and participating funding companies may contact you about your request.

Keep going

Other free tools

Buyer scorecardScore any buyer's offer on 8 transparency checks.
Court approval checkHow a judge is likely to see your transfer.
State law explorerYour state's protection act and court process.
Eligibility checkerCan your payment type be sold?

Matches are based on general information about each buyer and the answers you give. They are not endorsements or a ranking of who will pay the most. Always compare written quotes, and talk to a qualified financial advisor before you sell.