7 Best Structured Settlement Loan Companies in 2025
Are you looking for the best pre-settlement funding options? In this article, you’ll find comprehensive pre-settlement funding reviews and a detailed comparison of the top lawsuit loan companies in 2025.
We'll guide you through the best pre-settlement funding companies based on factors like rates & fees, customer reviews, funding speed, and transparency, so you can make the right choice for your financial needs.
By reading this article, you’ll get:
- A breakdown of the 7 best structured settlement loan companies.
- Insights on non-recourse funding, customer satisfaction, and more.
- Tips for choosing a trusted company based on your specific case.
- Repay $0 If You Lose
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- Lowest Rate
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- No Credit Check
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30 Reviews / 4.4 out of 5 stars -
335 Reviews / 4.4 out of 5 Stars
Overview of the Top 7 Structured Settlement Loan Companies
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Tribeca Lawsuit Loans
Rate & Fees
Non-compounding rates, capped fees (never more than double the amount advanced Acceptance Rate
High (94%) for qualified cases Funding Speed
Fast (up to 24 hours, often same-day) Customer Reviews & Reputation
A+ BBB rating, trusted by 150,000+ Case Types Funded
Personal Injury, Product Liability, Medical Devices, Labor Law, and various torts -
Fairfield Funding
Rate & Fees
Varies by case type (percentage of payout); guarantees the lowest price; free quotes Acceptance Rate
Not explicitly stated Funding Speed
Fast cash advances (as few as 5 days); overall process 45-60 days (by law) Customer Reviews & Reputation
Positive reviews, solid reputation Case Types Funded
Structured Settlements, Annuities (does not purchase retirement annuities from work). -
CBC Settlement Funding
Rate & Fees
Not explicitly detailed on the website; general market rates for structured settlement purchases Acceptance Rate
Not explicitly stated. Funding Speed
Funds typically within 48-72 hours after court approval; the overall process can take months. Customer Reviews & Reputation
Mixed/Negative: BBB profile shows complaints (e.g., funding delays), "NOT BBB Accredited" for entities with similar names. Case Types Funded
Structured Settlements, Annuities, Lottery Payments. -
DRB Capital
Rate & Fees
Competitive rates; no hidden costs; specific details provided with free quote Acceptance Rate
Not explicitly stated Funding Speed
Fast cash (some cases 45 days overall); post-court approval funding is immediate. Customer Reviews & Reputation
Strong positive feedback for dedicated reps, fast service, no hidden costs, excellent communication, and care Case Types Funded
Structured Settlements, Annuities, Personal Injury (via U.S. Claims), Medical Malpractice, Wrongful Death, Workers' Compensation. -
Peachtree Financial Solutions
Rate & Fees
Competitive rates; clear upfront terms about no upfront fees; fees only charged on completed transactions Acceptance Rate
Not explicitly stated as "high approval rate." Funding Speed
Fast funding post-approval (1-3 days for pre-settlement); quick post-court approval; overall process can take months. Customer Reviews & Reputation
Well-regarded, good customer service Case Types Funded
Structured Settlements, Annuities, Lottery Winnings, Pre-settlement Funding (Personal Injury, Product Liability, Wrongful Death, Medical Malpractice), Life Settlements -
Stone Street Capital
Rate & Fees
Competitive rates; free, no-obligation quotes. Explicit rates are not published, but quotes are provided. Acceptance Rate
Not explicitly stated. Funding Speed
Very fast turnaround (often within a week); provides cash advances. Customer Reviews & Reputation
Positive reputation, client-focused Case Types Funded
Structured Settlements, Annuities, Lottery Winnings, Personal Injury Settlements, Medical Malpractice, Wrongful Death, Workers' Compensation. -
Novation Settlement Solutions
Rate & Fees
Claims "maximum payouts" and "best lump sum offers"; specific rates/fees are not publicly detailed. Acceptance Rate
High (97% success rate in obtaining court approvals) Funding Speed
Fast funding "within days" post-approval; offers cash advances; overall process 60-90 days. Customer Reviews & Reputation
Mixed/Negative: Public records (BBB) indicate "NOT BBB Accredited" for related entities and show customer complaints. Case Types Funded
Structured Settlements, Annuities, Lottery Receivables.
7 Best Rated Structured Settlement Companies
Here’s a quick comparison of the leading structured settlement providers, covering everything from fees to funding speed and customer satisfaction.
Tribeca Lawsuit Loans
- Rates & Fees: Non-compounding rates with capped fees (up to double the amount advanced). Transparent with no hidden charges.
- Acceptance Rate: High acceptance rate for qualified cases, with flexible approval criteria.
- Funding Speed: Fast funding, often within 24 business hours, or same-day in some cases.
- Customer Reviews & Reputation: A+ BBB rating and over 150,000 clients served. Positive feedback for reliability and transparency.
- Non-recourse Structure: Repay only if you win your case. No repayment required if the case is lost.
- Case Types Funded: Personal injury, product liability, medical devices, labor law.
- Transparency & Terms: Clear, straightforward terms with no surprise fees or hidden charges.
- Application Process: Simple and fast application process with minimal documentation required.
- Customer Service & Communication: Responsive and helpful customer support throughout the process.
- Regulatory Compliance & Trust Symbols: Fully licensed and compliant with industry standards, A+ BBB rating.
| Pros | Cons |
| Fast funding (within 24 hours) | Limited availability in some states |
| High acceptance rate for qualified cases | Not available for all case types |
| Non-recourse funding (pay only if you win | Approval depends on case strength |
| Transparent fees with capped rates | Higher total fees for longer cases |
Fairfield Funding
- Rates & Fees: Offers transparent, low fees with no hidden charges.
- Acceptance Rate: High approval rate for personal injury cases; case strength matters for approval.
- Funding Speed: Provides cash advances swiftly, often within a few days, with the full funding process typically completed within 45 to 90 days, adhering to state regulations.
- Customer Reviews & Reputation: Strong reputation with positive feedback for transparency and reliability.
- Non-recourse Structure: Does not offer non-recourse funding.
- Case Types Funded: Specializes in funding structured settlements, annuities, and lottery payments.
- Transparency & Terms: Committed to clear, upfront terms with no hidden fees.
- Application Process: Simple application with minimal documentation and strong support.
- Customer Service & Communication: Responsive, helpful, and communicative throughout the process.
- Regulatory Compliance & Trust Symbols: Operates in full compliance with state laws, ensuring all legal requirements are met for transactions.
| Pros | Cons |
| Quick cash advances (as little as five days) | Does not offer non-recourse funding |
| Specializes in structured settlements, annuities, and lottery payments | No funding for personal injury or workers’ comp |
| Upfront terms with low fees and no hidden charges | Complete funding takes 45-90 days, depending on regulations |
| Good customer service and communication | Limited to structured settlements, annuities, and lottery payments |
CBC Settlement FundingÂ
- Rates & Fees: Not explicitly detailed on the website
- Acceptance Rate: Not specified on the website
- Funding Speed: Offers “fast track cash advance” in as little as 48 hours for qualified individuals, though the full structured settlement process can take a few months.
- Customer Reviews & Reputation: Accredited with the Better Business Bureau (BBB) and holds an A+ rating.
- Non-recourse Structure: Not mentioned on the website
- Case Types Funded: Structured settlements, annuities, and lottery winnings
- Transparency & Terms: Not explicitly detailed on the website regarding terms or hidden fees
- Application Process: Involves filling out an online form with contact information to connect with a representative
- Customer Service & Communication: The website encourages contacting a representative for assistance
- Regulatory Compliance & Trust Symbols: They comply with state and federal regulations for structured settlement transfers.
| Pros | Cons |
| Specializes in structured settlements, annuities, and lottery payments | Limited to specific case types (no personal injury/workers’ comp funding) |
| Funds typically within 48-72 hours after court approval for fast-track advances | Overall funding process can be lengthy (court approval needed) |
| Adheres to legal process for transfers, including state laws requiring court approval | Specific rates and fees are not detailed upfront on the website |
| Offers an initial online form to connect with a representative | Does not explicitly offer non-recourse lawsuit funding |
DRB Capital
- Rates & Fees: Offers competitive rates with “no hidden costs”; specific fees are discussed directly with clients upon inquiry.
- Acceptance Rate: Not specified on the website
- Funding Speed: Offers “FAST CASH” and quick resolution; funds are typically immediate after court approval, with some cases completing overall in 45 days.
- Customer Reviews & Reputation: Strong reputation with numerous positive customer testimonials highlighting helpful staff, fast service, and transparent processes.
- Non-recourse Structure: Not listed on the website and usually not applicable to structured settlement and annuity purchases
- Case Types Funded: Primarily structured settlements and annuities; also personal injury, medical malpractice, wrongful death, and workers’ compensation through associated entities (U.S. Claims
- Transparency & Terms: Highlights “no hidden costs” and clear communication; terms and rates are discussed in consultation
- Application Process: Begin with a free quote via call or chat. DRB Capital then handles court interactions, supported by a helpful team.
- Customer Service & Communication: Responsive, supportive, and praised in customer reviews.
- Regulatory Compliance & Trust Symbols: Complies with state laws and court approval for transfers; a reputable industry leader. Licensing details are not always provided on the website.
| Pros | Cons |
| Specializes in structured settlements and annuities | Does not provide pre-settlement funding |
| Strong positive customer reputation and supportive staff | Does not offer non-recourse funding |
| Transparent fees with no hidden charges | Specific rates and fees are not detailed upfront on the website |
| Offers fast cash solutions | Overall funding process timeframe is not explicitly stated |
Peachtree Financial SolutionsÂ
- Rates & Fees: Competitive rates with no upfront or application fees; fees charged after a completed transaction post-quote.
- Acceptance Rate: Not detailed, but a major industry provider.
- Funding Speed: Pre-settlement funding in 1-3 days; structured settlement funding after court approval (1-2 months).
- Customer Reviews & Reputation: Strong reputation with a 4.6-star rating on Consumer Affairs and industry awards for professionalism and efficiency.
- Non-recourse Structure: Non-recourse funding for pre-settlement cases; repayment only if successful. Does not apply to structured settlements.
- Case Types Funded: Structured settlements, annuities, lottery winnings, pre-settlement legal cases (personal injury, product liability, wrongful death), and life settlements.
- Transparency & Terms: Clear terms with no upfront fees; rates and terms provided in the purchase contract after free quote.
- Application Process: Simple, fast application starting with a free quote, supported by representatives guiding clients through legal steps.
- Customer Service & Communication: Highly responsive, supportive, and communicative throughout the process.
- Regulatory Compliance & Trust Symbols: Complies with state regulations and court approval; licensing details are not always on the site. Availability varies by state.
| Pros | Cons |
| Broad range of funding services (structured settlements, annuities, lottery, pre-settlement, life settlements) | Structured settlement funding may take months due to court approval |
| Strong customer reputation and highly supportive service | Rates and fees require a personalized quote |
| Non-recourse funding for pre-settlement cases | Non-recourse funding only applies to pre-settlement cases |
| Transparent process with no upfront fees and competitive rates | Service availability varies by state |
Stone Street Capital
- Rates & Fees: Competitive rates with free, no-obligation quotes. Operates on a cash payout model, not a loan, with discount rates applied to future payments.
- Acceptance Rate: Not explicitly stated.
- Funding Speed: Fast turnaround, with most receiving funds within a week, though this varies by case; cash advances are available.
- Customer Reviews & Reputation: Strong reputation with high customer satisfaction, praised for trustworthiness and consistent support. BBB accredited since 1996.
- Non-recourse Structure: Sale of future payments with no repayment required, implying non-recourse funding. Credit scores are not a factor.
- Case Types Funded: Structured settlements, annuities, lottery winnings, personal injury, medical malpractice, wrongful death, and workers’ comp settlements.
- Transparency & Terms: Free quotes with no repayment required. Specific terms are discussed during the quote process.
- Application Process: A simple process that begins with a call for a no-obligation quote, followed by the submission of documents such as the annuity contract and court judgment.
- Customer Service & Communication: Praised for clear communication, trustworthy service, and consistent support.
- Regulatory Compliance & Trust Symbols: BBB accredited, adheres to state and federal laws, with court approval required for sales.
| Pros | Cons |
| Broad range of cases funded (structured settlements, annuities, lottery winnings, personal injury) | Discount rates require a direct quote, not listed online |
| Strong customer reputation, highest BBB satisfaction rating | Funding time varies by case and court approval |
| Fast turnaround and cash advances available | Court approval for structured settlements can extend the process |
| Transparent, non-loan process with no repayment and no credit check | Licensing details not prominently displayed on the website |
Novation Settlement Solutions
- Rates & Fees: Claims “maximum payouts” and “best lump sum offers,” but no specific rates or fees disclosed.
- Acceptance Rate: 97% success rate in obtaining court approvals for structured settlements and annuities.
- Funding Speed: Fast funding, typically within days of approval; transaction approval takes 60-90 days.
- Customer Reviews & Reputation: Mixed or negative feedback, with unaccredited BBB profiles and unresolved complaints.
- Non-recourse Structure: Not mentioned, generally not applicable to structured settlements, annuities, or lottery winnings.
- Case Types Funded: Structured settlements, annuities, and lottery receivables.
- Transparency & Terms: General claims of a “hassle-free process,” but no specific details.
- Application Process: Contact a “Funding Executive” by phone and submit required documents (policy copy, ID).
- Customer Service & Communication: Claims of responsiveness are not detailed, with some complaints about communication.
- Regulatory Compliance & Trust Symbols: High court approval success, but lacks consistent licensing or industry accreditations.
| Pros | Cons |
| High success rate (97%) in obtaining court approvals | Reputation issues, including “NOT BBB Accredited” status and customer complaints |
| Offers fast funding within days of transaction approval | Specific rates and fees are not detailed upfront on the website |
| Provides cash advances for urgent expenses | No mention of non-recourse funding (not applicable to their core services) |
| Specializes in structured settlements, annuities, and lottery receivables | Lack of explicit transparency regarding terms and conditions |
How to Choose a Structured Settlement Loan Company for You
Company Reputation and Track Record:
Look for a company with a strong history and positive customer reviews. Check their BBB rating and industry reputation for reliability and transparency.Financial Strength and Reliability:
Choose a company with proven financial stability to ensure they can deliver your lump-sum payment without delays.Competitive Discount Rates:
Select a buyer offering lower discount rates so you receive more money from your structured settlement.Customer Service and Experience:
Look for a buyer known for responsive, personalized service who takes the time to explain your options clearly.Transparency and Fairness:
Choose a company that communicates openly, answers your questions, and provides all necessary documentation upfront.Speed and Efficiency:
Go with a company known for fast processing and prompt payment after court approval.Legal Compliance and Court Approval:
Ensure the buyer is licensed, follows all regulations, and can guide you through the mandatory court approval process.FAQs about Structured Settlement Companies
What is a structured settlement loan?
A structured settlement loan is a cash advance based on future structured settlement payments, offering immediate funds in exchange for a portion of your future payments.
How is the discount rate applied to structured settlements?
The discount rate is applied to the present value of your future payments, which reduces the amount you receive in exchange for lump-sum funding.
How do you sell a structured settlement?
To sell a structured settlement, you must work with a buyer who will evaluate your case, and you must get court approval before finalizing the sale.
What are the typical fees or percentages charged by structured settlement buyers?
Fees typically range from 8% to 20% of the total value, depending on the buyer, case complexity, and the amount of the settlement.
Who are the buyers of structured settlement payments?
Buyers are typically financial companies, investors, or settlement funding companies that purchase future payments in exchange for a lump sum.
Is it possible to borrow using a structured settlement?
You can’t take a traditional loan against a structured settlement, but you can access funds by selling future payments or through a non-recourse pre-settlement advance, which is repaid only if the lawsuit succeeds. These are not traditional loans but sales or advances.
Can I cancel the sale of my structured settlement?
You can cancel the sale before it is finalized, as long as the transaction hasn’t been approved by the court. Always consult your buyer for specific cancellation terms.
How are payments from a structured settlement disbursed?
Payments from a structured settlement are typically disbursed in regular, periodic installments (e.g., monthly, quarterly, or annually) according to the terms of the settlement agreement. These payments can continue for a set number of years or for the lifetime of the recipient.
What are the disadvantages of a structured settlement?
The main disadvantages of a structured settlement include limited access to lump-sum cash, which can be restrictive in emergencies. Additionally, inflation may reduce the value of fixed payments over time, and selling a portion of the settlement can incur fees and require court approval.
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