How Factoring Companies Build Your Structured Settlement Offer
Structured settlement factoring requires court approval and a ‘best interest’ finding — see the four inputs that shape your lump-sum offer.

Structured settlement factoring requires court approval and a ‘best interest’ finding — see the four inputs that shape your lump-sum offer.

Structured settlement payments escape federal income tax because of one 1982 law—and a later rule decides who pays the 40% tax when you sell.

Florida structured settlement sales need court approval, and the payout runs well below face value. See the 45–90 day process and what you keep.

Selling a structured settlement means accepting 50–80 cents per dollar — and the buyer keeps the rest permanently. A CFA explains the math and when the trade is worth it.

Structured settlement factoring companies charge effective annual rates
between 9% and 29% — a gap that costs recipients $314,000 or more on a $500,000
payment stream.