Structured settlements provide long-term financial stability for individuals who receive compensation from lawsuits, insurance claims, or other settlements. Instead of receiving a lump sum, the recipient gets regular payments spread out over many years. While this arrangement works well for some, others may find themselves in need of immediate cash—whether to pay medical bills, reduce debt, invest in opportunities, or simply gain financial flexibility.
Selling a structured settlement is a major financial decision, and choosing the right company to work with can determine whether you receive a fair payout or risk losing thousands of dollars. The structured settlement industry has both reputable buyers and predatory companies that exploit vulnerable sellers. That’s why doing careful research and selecting the best company is crucial.
In this article, we’ll review the 7 best companies to sell structured settlements in 2025, explain what makes them trustworthy, and provide a step-by-step guide on choosing the right buyer for your situation.
Why Choosing the Right Company Matters
The company you choose directly impacts:
- Payout Amount – Some companies offer higher cash advances or better buyout rates.
- Speed of Process – The timeline for court approval and payment can vary.
- Transparency – Hidden fees and unclear contracts can reduce your settlement value.
- Safety – A reliable, licensed company ensures your transaction is legal and secure.
By choosing a trusted company, you minimize risks and maximize the amount of money you receive.
Top 7 Best Structured Settlement Companies in 2025
1. J.G. Wentworth
- Overview: J.G. Wentworth remains the most recognized name in the structured settlement industry. With decades of experience, they have built a reputation for reliability.
- Strengths: Large-scale operations, fast payouts, and strong customer service.
- Why Choose Them: Ideal for sellers looking for a trusted brand and quick funding.
- Potential Downsides: Some complaints about lower offers compared to competitors.
2. Peachtree Financial Solutions
- Overview: Known for flexible buyout options, Peachtree allows sellers to sell all or part of their structured settlements.
- Strengths: Transparency, flexibility, and personalized solutions.
- Why Choose Them: Great for people who want partial sales instead of losing all future payments.
- Potential Downsides: Processing can sometimes be slower than other companies.
3. Stone Street Capital
- Overview: Specializes in structured settlements and annuities, with a focus on personalized customer care.
- Strengths: Competitive offers and dedicated representatives.
- Why Choose Them: Good option if you prefer hands-on assistance and negotiation flexibility.
- Potential Downsides: May not be the fastest for court approval timelines.
4. Fairfield Funding
- Overview: A growing name in the industry, Fairfield is praised for transparent contracts and competitive offers.
- Strengths: High customer satisfaction ratings and fast approvals.
- Why Choose Them: Excellent for sellers who want clear terms and responsive service.
- Potential Downsides: Smaller than larger competitors, so fewer branch offices.
5. DRB Capital
- Overview: DRB Capital provides fast access to cash with flexible options for structured settlement owners.
- Strengths: Quick processing times and straightforward offers.
- Why Choose Them: Ideal for those needing money urgently.
- Potential Downsides: Offers can vary depending on the size of your settlement.
6. CBC Settlement Funding
- Overview: Offers both structured settlement and annuity buyouts with a strong focus on compliance and safety.
- Strengths: Transparent processes and strong legal support.
- Why Choose Them: If legal guidance is important to you, CBC is a solid choice.
- Potential Downsides: May not offer the highest payouts compared to others.
7. Olive Branch Funding
- Overview: A smaller but growing competitor, Olive Branch Funding emphasizes customer care and fair offers.
- Strengths: Personalized service and willingness to negotiate.
- Why Choose Them: Best for sellers who prefer a boutique-style experience.
- Potential Downsides: Not as well known or widely reviewed as bigger brands.
Factors to Consider Before Choosing a Company
- Payout Rate: Compare how much cash you’ll actually receive.
- Customer Reviews: Check Trustpilot, BBB ratings, and consumer feedback.
- Licensing & Legal Compliance: Ensure the company is licensed to operate in your state.
- Flexibility: Decide if you want to sell all payments or just part of them.
- Timeline: Understand how quickly they can process court approval and deliver funds.
Tips for Selling Your Settlement Safely
- Get Multiple Offers: Don’t accept the first quote—compare at least 3–4 companies.
- Read Contracts Carefully: Watch for hidden fees or vague terms.
- Seek Legal Advice: A lawyer can help protect your rights and ensure fairness.
- Beware of Scams: Avoid companies that pressure you to sign quickly or promise “instant” cash.
Frequently Asked Questions
Q: Can I sell only part of my settlement?
Yes. Many companies allow partial buyouts, letting you keep some future payments.
Q: How long does the process take?
Typically, 30–60 days depending on state laws and court schedules.
Q: Do I need court approval?
Yes. U.S. law requires a judge to approve any structured settlement sale to protect sellers.
Selling your structured settlement can provide valuable financial freedom, but it’s important to choose the right company. The best structured settlement companies in 2025—like J.G. Wentworth, Peachtree, and Fairfield Funding—offer a balance of trust, fair payouts, and reliable customer service.
Before making your decision, compare offers, check reviews, and seek legal advice. By following these steps, you can avoid scams, maximize your payout, and gain the financial flexibility you need.
