Best Structured Settlement Companies

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Peachtree Financial Services earned our top spot for several reasons. The company has a long history and solid reputation. It is now owned by J.G. Wentworth another big player in this industry. The reason it inched ahead of its parent company is the faster timeline for payouts—including the company’s cash advance options. 

Peachtree Financial Services has been in business since 1996. The Pennsylvania-based company buys payments for annuities, lottery winnings, structured settlements, and more. J.G. Wentworth, another company on our list, bought Peachtree Financial Services in 2011, but the companies operate separately. Peachtree Financial Services has an A+ rating rating with the Better Business Bureau and is accredited by the organization.

Unfortunately, Peachtree Financial Services doesn’t provide a fee structure on its website. You will need to call for minimum settlement details. But the company does a good job of explaining how the process works including the consultation, documents required, and filing paperwork on your behalf.

Peachtree Financial Services prides itself on being accessible, with its phone number on the header of its website. They also have a contact form that is easily accessible, if you don't want to get stuck talking on the phone.

The structured settlement transactions can take a long time as they go through the court system. However, it is common to get a cash advance not long after beginning the process.

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Structured settlement companies tend to not provide easy-to-access pricing details online. Fairfield Funding offers a guarantee to beat competitor pricing with a $500 offer if they can’t. So you don't have to worry pricing transparency and can rest assured you are getting the best price. This makes the company our review's best for pricing.

Fairfield Funding has been in business since 2008 and focuses on structured settlements and annuity payments. The company is a member of the National Association of Settlement Purchasers. Fairfield Funding is also Better Business Bureau accredited with an A+ rating.

Fairfield Funding charges a varying percentage of the settlement value to buy structured settlements. The exact price depends on the payment dates, payment amounts, and current economy, according to the company’s website. You will have to call to learn about the company’s policy for minimum payments. The process is briefly outlined on the company’s website and starts with calculating the lump sum value and ends with completing the court documents.

Fairfield Funding makes its phone number visible on every page of the company’s website and also has a responsive live chat. The average structured settlement takes 30 to 45 days. However, you will get your money as a cash advance within 5 days.

Fairfield Funding offers a 100% guarantee for the following:

• Best price: The company will beat a competitor’s offer or pay you $500.
• Cash now: You are eligible for a cash advance within five days.
• Fixed: The cash advance is fixed with no interest.
• Fast: The company will close your transaction as quickly as the state law allows.

A representative will go over the guarantee details with you when you call for a consultation.

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DRB Capital was an easy pick for our customer support slot. It’s the only company that promises a dedicated representative throughout the process. DRB Capital also offers both English and Spanish support. 

DRB Capital, a subsidiary of DRB Financial Solutions, has been in business since 2013. The Delray Beach, Florida-based company buys structured settlements and annuity payments. DRB is a member of the National Association of Settlement Purchasers. The company is also Better Business Bureau accredited with an A+ rating.

Unfortunately, there are no pricing or minimum settlement details on DRB Capital’s website. Nor does the company disclose its buying process; consumers will have to call to get specific details for their unique structured settlement needs. 

DRB Capital stands out with personalized customer service. You will work with a dedicated representative throughout the entire process—start to finish. Also, the company offers phone support seven days a week in both English and Spanish.

DRB Capital has a history of customer advocacy within the industry, addressing bad actors. The company fights illegal and unethical practices in the structured settlement business through its Stop Structured Fraud program. DRB Capital currently offers a $100,000 bounty to whistleblowers. 

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When you’re dealing with a structured settlement, it’s important to work with a company you can trust. Stone Street Capital made the cut because it’s the oldest company on our list, with strong consumer reviews.

Founded in 1989, Stone Street Capital is the oldest structured settlement company on our list. The Rockville, Maryland-based company purchases structured settlements, annuity payments, and prizes like lottery or casino winnings.

Stone Street Capital is Better Business Bureau accredited with an A+ rating. The company has earned 4.0 stars out of 5 from ConsumersAdvocate. 

Stone Street Capital doesn’t offer pricing or minimum settlement options, instead it creates a customized plan over the phone for each customer. Submit information via a contact form or call the toll-free phone number to be paired with someone who can work with you within your state of residence.

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USClaims’ recent Consumer Litigation Funding Provider award, long history, and reputation make it an easy choice for pre-settlement funding best. A few companies on the list offer a cash advance but none within a 24-hour timeframe.

USClaims is another long-standing company in the business, operating since 1996. A subsidiary of DRB Financial Solutions, the company focuses on pre-settlement funding and is Better Business Bureau accredited with an A+ rating. USClaims isn’t a member of the National Association of Settlement Purchasers, but it was named Best Consumer Litigation Funding Provider by the audience of Corporate Counsel—the leading national legal and business news publication.

USClaims specializes in providing upfront cash for personal injury victims. You may be eligible for approximately 10% of the value of your case in litigation funding, meaning while you are in a trial seeking final settlement. There is no risk and you won’t pay USClaims unless you receive a settlement. Once USClaims approves your application, you may receive the money in less than 24 hours. 

The fee is calculated on a case-by-case basis, depending on the total settlement amount. The price may increase, depending on how long it takes for USClaims to receive the money. The company charges one of the lowest rates in the industry, according to its website. Plus, you won’t see any surprise fees. 

Consumers can use the toll-free phone number to find out how much they are eligible for in presettlement funds and how that affects their post-trial funding options.