Structured Settlement Buyers Reviews

Who's better?

DRB Capital vs CBC Settlement Funding

We've analyzed the best Structured Settlement Buyers to help you find the right solution for your needs.

2025 Structured Settlement Buyer Reviews

Here you can see how DRB Capital and CBC Settlement Funding match up head-to-head in a battle for the Best Structured Settlement Buyers in 2025.

DRB Capital

  • "Best Price Guarantee" +$50
  • "A+" rating with the Better Business Bureau

DRB Capital is a structured settlement buyer that on the surface appears like a good company. However a bit of digging reveals some very unscrupulous practices. Employees of DRB Capital attest to high-pressure sales environments and the exploitation of customers. Unfortunate clients complain of unending spam calls from changing phone numbers in addition to advertisements framed as checks being sent in the mail from DRB Capital. In short, while DRB Capital may be able to buy your structured settlement, their business practices feel shady at best. You should probably seek a better-rated structured settlement buyer on our list.

Winner

CBC Settlement Funding

  • Lump sum cash advance offered
  • One of the highest court approval rates in the business
  • "A+" with the Better Business Bureau

CBC Settlement Funding states that they will not purchase your settlement if it isn't in your best interest, and recommend that you seek independent financial advice through an attorney or financial advisor before selling your settlement. In a field filled with high-pressure schemes and even higher promises, we thoroughly appreciate the care that CBC Settlement Funding takes in informing customers as to best practices in selling a structured settlement. If you're considering selling your settlement, we think that it's well worth your time to discuss this option with your attorney or financial advisor.

Well, it's a critical question, and one that should be explored with care. Many receive a structured settlement as an annuity paid over a long period of time in compensation for injury or malpractice. While the stable income of a structured settlement can be a necessary key to financial security, many people are often left in a bind when they need money for a sudden expense or emergency, and are unable to procure the collateral for a loan.

That's where structured settlement buyers come in. These companies offer a single lump sum of cash in exchange for your monthly payments, giving you the up-front capital you need to manage a crisis, or make a needed purchase/investment.

It almost goes without saying that you should take care when you sell your structured settlement. While there are reputable buyers out there, many companies appear out of nowhere, or engage in less-than-reputable business practices. As the sale of a structured settlement is a major decision, a bit of careful investigation to determine the quality of the buyer can go a long way towards a transaction you'll be happy with.

Typically the sale of a structured settlement requires that you appear in court to talk to a judge in order to determine that you understand the particulars of the sale of your structured settlement, and that the sale is in your best interest. While potentially annoying, your court appearance is a critical step in the process, and something that directly protects you as a consumer.

Before this step, companies are required to advise you in writing that you can hire independent legal counsel to review your sale in court with you. This is strongly recommended, as legal counsel and financial advice can give you power and leverage in your structured settlement sale, making it so you get a better deal, and potentially earning multiple-thousands more from the sale of your settlement. If you sign this away to another person or a company, they may represent their own best interests, rather than yours.

So, which structured settlement buyers are worth your time? As you investigate the options, here are some tips for you to keep in mind:

At Top Consumer Reviews, we want to make sure that our readers are well-equipped to navigate the sometimes murky waters of the structured settlement industry. We've gathered the best companies we could find, and ranked them based on their overall reputation and business practices. As you shop around for the best deal in the sale of your structured settlement, you should feel comfortable using our curated list as a starting point for finding a fair and honest buyer.

Slide Down Image Left Slide Image FAQ Image Slide Image Twirl Image

Structured Settlement Buyer FAQ

What is a structured settlement?
A structured settlement is usually awarded after an accident or a win in court. Instead of a one-time lump sum payment, the money is distributed monthly for a certain number of years.
I have a structured settlement, but I need the money now. What are my options?
You may want to consider a structured settlement buyer. You sell all or part of your settlement to their company in exchange for a lump sum payment now.
Why do companies want to buy my structured settlement? What's in it for them?
Simple: they make money from it. Most structured settlement buyers/companies levy interest rates on the buyout, which can range from 5-20%. You'll want to get a complete listing of all of the terms and fees before agreeing to sell your structured settlement, especially since some companies are more upfront than others with that information.
Are structured settlement buyers legitimate?
They might sound shady, but structured settlement buyouts are fairly common. It's a win for the client who can't wait months and years for their payments to trickle in, and it's a win for the service that makes money on the transaction.
How do I know which service to use?
Reputation is everything. If you're considering a structured settlement buyout, be sure the company you choose has a solid reputation: find out what previous clients have to say about the process and experience, and definitely see if the Better Business Bureau has given the service a positive rating. You don't want to entrust such a large financial decision to any buyout provider that can't prove their dependability.
Is there any reason I shouldn't consider a structured settlement buyout?
Yes, there are several. First, understand that a settlement buyout will have to be approved by the court. Depending on the circumstances of the settlement, a judge might not give a buyout the green light. Next, if your monthly payments are intended to take care of regular expenses for many years, but you spend a lump sum all at once, you may not have the money you need to pay bills in the future. Another consideration is whether a lump sum payment can disqualify you from receiving Medicaid and SSI benefits. There are other situations where a structured settlement buyout wouldn't be in your best interests; it's worth discussing it with your financial advisor, attorney, or anyone else who can give you an objective assessment of the situation.
How long will it take to get my funds if I choose a buyout?
Many factors impact how quickly you can get the lump sum payment from your structured settlement. Not only does the court have to approve the arrangement, but some states also have mandatory waiting periods to take into account. Your process could last anywhere from 30-90 days, so don't expect to have a check in hand the day after you contact a structured settlement buyer to get more information.
I have questions. How can I get help?
We recommend that you start by browsing the websites of several companies that offer structured settlement buyouts. You'll find plenty of details about how the process works and what to expect, and you may even find answers to your questions before speaking with a representative. Those representatives will be extremely eager to talk with you, which is why it can be helpful to already have done some research before you reach out. Some services have a live chat feature where you can get help too, if you prefer not to make a phone call or fill out an online form.

Compare Any 2 Products

Fairfield Funding
Peachtree Financial
CBC Settlement Funding
JG Wentworth
DRB Capital
RSL Funding
Stone Street Capital
Northstar Settlement Funding
vs
Fairfield Funding vs Peachtree FinancialFairfield Funding vs CBC Settlement FundingFairfield Funding vs JG WentworthFairfield Funding vs DRB CapitalFairfield Funding vs RSL FundingFairfield Funding vs Stone Street CapitalFairfield Funding vs Northstar Settlement FundingPeachtree Financial vs CBC Settlement FundingPeachtree Financial vs JG WentworthPeachtree Financial vs DRB CapitalPeachtree Financial vs RSL FundingPeachtree Financial vs Stone Street CapitalPeachtree Financial vs Northstar Settlement FundingCBC Settlement Funding vs JG WentworthCBC Settlement Funding vs DRB CapitalCBC Settlement Funding vs RSL FundingCBC Settlement Funding vs Stone Street CapitalCBC Settlement Funding vs Northstar Settlement FundingJG Wentworth vs DRB CapitalJG Wentworth vs RSL FundingJG Wentworth vs Stone Street CapitalJG Wentworth vs Northstar Settlement FundingDRB Capital vs RSL FundingDRB Capital vs Stone Street CapitalDRB Capital vs Northstar Settlement FundingRSL Funding vs Stone Street CapitalRSL Funding vs Northstar Settlement FundingStone Street Capital vs Northstar Settlement Funding Northstar Settlement Funding vs Stone Street CapitalNorthstar Settlement Funding vs RSL FundingNorthstar Settlement Funding vs DRB CapitalNorthstar Settlement Funding vs JG WentworthNorthstar Settlement Funding vs CBC Settlement FundingNorthstar Settlement Funding vs Peachtree FinancialNorthstar Settlement Funding vs Fairfield FundingStone Street Capital vs RSL FundingStone Street Capital vs DRB CapitalStone Street Capital vs JG WentworthStone Street Capital vs CBC Settlement FundingStone Street Capital vs Peachtree FinancialStone Street Capital vs Fairfield FundingRSL Funding vs DRB CapitalRSL Funding vs JG WentworthRSL Funding vs CBC Settlement FundingRSL Funding vs Peachtree FinancialRSL Funding vs Fairfield FundingDRB Capital vs JG WentworthDRB Capital vs CBC Settlement FundingDRB Capital vs Peachtree FinancialDRB Capital vs Fairfield FundingJG Wentworth vs CBC Settlement FundingJG Wentworth vs Peachtree FinancialJG Wentworth vs Fairfield FundingCBC Settlement Funding vs Peachtree FinancialCBC Settlement Funding vs Fairfield FundingPeachtree Financial vs Fairfield Funding
Only the Best Reviews

Think Advisor

Is the structured settlement process in need of reform?

Structured settlement annuities in high-damage personal injury cases generate billions in sales annually. But critics question an array of industry practices that may be harming claimants.

Thu, 08 Nov 2012

Only the Best Reviews

Nasdaq

How to Invest in Structured Settlements - Nasdaq

Structured settlements are usually associated with compensation to injured plaintiffs following a legal hearing. They are more than just a mere compensation package, however. One of their main ...

Fri, 14 Apr 2017

Only the Best Reviews

CBS News

Why You Should Avoid Structured Settlement Investments

Structured settlement investments are drawing attention due to their higher yields. You would be wise to keep your distance from these products.

Wed, 29 Jun 2011

Only the Best Reviews

Online Recruitment

What Is a Structured Settlement and Its Pros and Cons?

What Are Some Examples Of Structured Settlements? One example of a structured settlement is a lottery annuity. When someone wins the lottery, they can receive their winnings in a lump sum or annual ...

Mon, 16 Jan 2023

Only the Best Reviews

SF Weekly

All You Need To Know About Structured Settlements And How To ... - ...

How to sell a structured settlement. The process of selling a structured settlement is not something you can DIY. You’ll need the help of an attorney, an accountant, and/or a financial advisor. These ...

Fri, 15 Jan 2021

Only the Best Reviews

CBS News

Some structured settlements may offer significant advantages

A structured settlement offers advantages that you can't get anywhere else. Let's start with the tax benefits. All income from your annuity is exempt -- not deferred but completely exempt ...

Tue, 08 Nov 2011

Top Products.  

Top Reviews.  

Top Consumer Reviews.

Reviews 

Browse through thousands of reviews.

Social Media 

Like us?  Follow us!  We'd love to have you join our community.

Newsletter 

Stay up to date with the latest reviews. We'll keep you informed, and we'll never sell your information to anyone.