Get an honest estimate of your structured settlement payout, with the exact math behind it. No phone number, no pressure.
Enter your payments below. Nothing is sent anywhere, and you don't need to give us any personal information to see your number.
Cash to you today
$0
Competitor figures are estimates based on publicly reported discount-rate ranges (industry effective rates run roughly 9–18%). They are not quotes from those companies.
This is an illustrative estimate, not an offer. Read the important details.
Most buyers won't show you the interest rate behind your offer. We publish ours — in four parts, the same for every customer in a risk class.
We set one rate per quarter and hold it — not a number that moves on you mid-conversation. (Rate shown is illustrative while we finalize our pricing.)
Selling structured settlement payments is regulated for your protection — a judge has to approve it. Here's the real sequence.
See the number and the math up front. Ask anything. No pressure.
A licensed attorney files in your state. Every disclosure, in plain language.
The court confirms the sale is in your best interest. Required by law (IRC §5891).
After approval, funds are sent. Start to finish is typically 45–90 days.
We tell you this up front because the wait is real. We'd rather you know now than feel surprised later.
This industry earned its reputation: rates quoted as dollars instead of interest rates, fees that appear after you're committed, reps who keep you on the phone while you sign. We're building the opposite.
If you've heard the structured-settlement industry isn't exactly clean — you've heard right. Last Week Tonight dedicated a full segment to it. The Washington Post won a Polk Award reporting on it. State attorneys general have indicted operators. The worst practices are well-documented — and our model is built to make them structurally impossible.
Leave your email and we'll send a written estimate for your specific payments. We will never cold-call you.
Yes. In every state, a judge has to approve the sale first and confirm it's in your best interest — required by your state's Structured Settlement Protection Act and federal law (IRC §5891). That court step protects you, and it's why no legitimate buyer can pay you without it.
They apply a "discount rate" to your future payments — and most won't show it to you. Industry rates commonly run 9–18%. We post ours (currently an illustrative 9%) and show the implied APR on every estimate, so you see exactly what you're paying.
It depends on the payments you're selling, how far in the future they are, and the discount rate. The calculator above shows the present value, the cash to you, and the APR with no personal information required. It's an estimate — a written offer follows once we review your actual documents.
Yes. Many people sell only some payments — say, a few years' worth — and keep the rest of their stream. You don't have to sell everything to get a lump sum now.
Generally, the lump sum from selling tax-free structured settlement payments isn't treated as taxable income, because you're selling a right to payments that were already tax-free. Situations vary, so talk to a tax professional — this isn't tax advice.
Usually 45–90 days. Most of that is waiting for a court date, which is required by law and can't be skipped. See our Florida guide for the step-by-step timeline.
No. There's one flat fee, shown in your estimate before anything else. We don't add application, processing, or "legal" fees later.
No. You can see your numbers without giving us a phone number, and if you ask for a written estimate we'll email it — we won't cold-call you. Your price holds for 14 days, with no pushing.
You have the right to independent legal, financial, or tax advice before you sign, and in many cases we'll help cover it. We think you should use it — a good advisor protects you.
Sometimes the answer is no. Selling future income you're counting on is a big decision, and if keeping your payments would serve you better, we'll tell you so — even when it costs us the deal.