The 6 Best Structured Settlement Companies of 2020

Best Overall: Peachtree Financial Solutions

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Peachtree Financial Services earned our top spot for several reasons. The company has a long history, solid reputation, and backing from J.G. Wentworth. 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 is a member of the National Association of Settlement Purchasers and Better Business Bureau accredited with an A+ rating.

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 multiple pages of its website. According to ConsumersAdvocate, the team is available seven days a week, making them readily accessible to answer your questions at your convenience.

The average structured settlement transaction takes 60 to 90 days, but it’s possible to get a cash advance within 24 to 72 business hours.

Best for Pricing: Fairfield Funding

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Most structured settlement companies don’t provide easy-to-access pricing details online. But Fairfield Funding offers a guarantee to beat competitor pricing—with a $500 offer if they can’t—which makes the company our review's best for pricing.

Fairfield Funding has been in business for 12 years 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 6% to 18% 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, but the company may complete the transaction in fewer than 30. The company also offers a cash advance within five 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.

Best for Customer Support: DRB Capital

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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 2007. 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. 

Best for Company Longevity: Stone Street Capital

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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 a member of the National Association of Settlement Purchasers and is Better Business Bureau accredited with an A+ rating. There are no complaints about Stone Street Capital in the Consumer Financial Protection Bureau database. The company has earned 4.2 stars out of 5 from ConsumersAdvocate. 

Stone Street Capital doesn’t offer pricing or minimum settlement options, instead creating 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.

There is also a quick way on the website to see if you qualify for a structured settlement buyout that walks you through how much you need and where the money would be coming from to determine eligibility.

Best for Pre-Settlement Funding: USClaims

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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 with 24 years in the business. 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.