Structured Settlement Funding
Convert your future payments into a lump sum of cash today.
What We Offer
What Is Structured Settlement Funding?
A structured settlement is a series of periodic payments awarded to you — typically from a personal injury lawsuit or insurance agreement. While receiving regular payments can feel stable, life doesn’t always wait for your next payment to arrive. Unexpected expenses, business opportunities, or major life changes can make waiting years for your money simply impractical. Fortunately, you can sell structured settlement payments.
Sell Structured Settlement Payments
A structured settlement advance from First Capital Legal Funding allows you to sell some or all of your future payments in exchange for a lump sum of cash today.
Whether you need to pay off debt, purchase a home, cover medical expenses, or seize a time-sensitive opportunity, converting your future payments into immediate cash gives you the financial freedom to act now.
We offer competitive rates, full transparency, and a straightforward process designed to get you funded as quickly as possible while ensuring you fully understand every aspect of your transaction before you sign.
Simple Process
How Structured Settlement Funding Works
Submit Your Application
Complete our free application online or call (800) 497-7701. We’ll need basic information about your settlement, the paying company, and your current payment schedule.
We Review & Make an Offer
Our specialists review your settlement documents and payment stream, then present you with a clear, competitive offer. No hidden fees — you see exactly what you’ll receive.
Court Approval & Funding
Structured settlement sales typically require court approval to protect your interests. Once approved by the court, funds are disbursed to you promptly.
Eligibility
Do You Qualify to Sell Structured Settlement Payments?
If you currently receive structured settlement payments, you may be eligible to sell some or all of your future payments for a lump sum today.
Selling Part vs. All of Your Payments
You don’t have to sell all of your future payments. We offer flexible options — sell a specific number of payments, a percentage of each payment, or your entire remaining payment stream. Our specialists will help you find the right option for your situation.
Or call us at (800) 497-7701
Why Choose Us
Why Sell Structured Settlement Payments With First Capital
Flexible Selling Options
Sell all, some, or a portion of your payments — whatever best fits your financial needs and goals.
No Credit Check
Approval is based on your payment stream — not your credit score, income, or employment history.
Your Interests Protected
Court approval is required for most structured settlement sales — this protects you and ensures the transaction is in your best interest.
Competitive Rates
We offer fair, market-competitive discount rates with full transparency — no hidden fees or surprises.
Expert Guidance
Our specialists guide you through every step including court approval, so you’re never navigating the process alone.
Fast & Transparent
We move as quickly as the process allows, keeping you informed at every stage from application through funding.
Common Questions
Structured Settlement FAQs
Here are the most common questions we hear about structured settlement advances. For more answers visit our full FAQ page.
Do I have to sell all of my payments?
No. You can sell all, some, or just a specific number of your future payments. Many clients choose to sell only a set number of payments while keeping the rest of their stream intact.
Why does the process take 45–90 days?
Most structured settlement sales require court approval under the Structured Settlement Protection Act. This protects your interests but does add time to the process. We handle all the paperwork and guide you through every step.
Will I receive the full value of my remaining payments?
No — when you sell future payments for a lump sum today, a discount rate is applied to account for the time value of money. We offer competitive rates and full transparency so you know exactly what you'll receive before you commit.
Does selling affect my taxes?
Tax implications vary by situation. We recommend consulting a tax advisor before proceeding. Generally, structured settlement proceeds are tax-free, but selling them may have different implications depending on your circumstances.
Ready to Get Started?
Ready to Convert Your Structured Settlement Payments Into Cash?
Get a FREE, no-obligation quote today. Our specialists are standing by to help you access the money you’re already owed — on your timeline.