Catalina Structured Funding, Inc. is a California-headquartered purchaser of structured settlements, annuities, lottery winnings, and probate advances. Founded in 2011, accredited A+ by the Better Business Bureau, with more than 4,000 closed transactions and four licensed attorneys on staff.
Who Is Catalina Structured Funding?
Catalina Structured Funding, Inc. is a California-incorporated company that buys future payment streams in exchange for a discounted lump sum today. The company was founded in 2011 and has operated continuously from the same La Crescenta, California office ever since. As of 2026 we have closed more than 4,000 transactions for customers across all 50 states, and the company holds an A+ accreditation from the Better Business Bureau (BBB business ID 100103073).
The most useful way to think about us is as a buyer of four specific things: structured settlement payments, insurance annuity payment streams, lottery annuity payouts, and inheritances pending probate. Each transaction works the same way at the highest level: you have a right to receive a series of future payments, and the company purchases some or all of those payments from you for a single payment now. The price you receive is determined by how far out the payments are scheduled, the predictability of the payor, and the current market for these kinds of transactions.
We have built our company around a single operating commitment: the amount we quote is the amount you receive at closing. No back-end deductions, no surprise fees layered in after you sign, no “processing” charges quietly subtracted before the wire goes out. Every cost is accounted for in the discount rate that produces the quote on day one.
Where Catalina Structured Funding Operates
Catalina Structured Funding is headquartered at 2626 Foothill Blvd, Ste. 200, La Crescenta, California, 91214. The office sits in northern Los Angeles County between Glendale and Pasadena along the southern slope of the San Gabriel Mountains. La Crescenta has been our home since the company was founded; we have never relocated.
We are a California company in the formal incorporation sense, but our customers are nationwide. We have closed transactions in courts in every state where structured settlement transfers are permitted (every state except Maryland for structured settlements, and every state except Connecticut and Virginia for probate advances), and we are familiar with the Structured Settlement Protection Act (SSPA) in each jurisdiction. Our home state matters because California has the most heavily regulated SSPA framework in the country, codified at Cal. Insurance Code § 10134 and the SB 1498 amendments to the Probate Code. Operating from California means we built our compliance posture for the strictest regime, then applied that level of care to every other state we work in.
Our Four Service Lines
We have closed transactions in four distinct payment-stream categories since the company was founded:
- Structured settlements. Periodic payments awarded as part of a legal settlement, typically from a personal-injury, wrongful-death, or other tort case. We have closed more structured settlement transactions than any other category. For payments that depend on a person being alive at the time of payment, see our specialty life-contingent settlements page, which is one of the most-cited resources on the subject across the AI Overview citation set.
- Lottery winnings. The annual annuity payouts that state lotteries pay to large-jackpot winners. We work with winners from all state lotteries that issue annuity payouts.
- Insurance annuities. Non-qualified deferred annuities purchased from a life-insurance carrier. The audience here is most often a beneficiary who inherited the annuity from a parent or spouse, or a person who bought the annuity with proceeds from a prior settlement.
- Probate advances. A cash advance on an heir's pending inheritance from an estate currently in probate or trust administration. This is not a loan; the company recovers from the estate distribution when probate closes, and the heir owes nothing further if the distribution is smaller than expected.
How We Are Different From JG Wentworth and Peachtree
The structured settlement purchasing industry is dominated by three brand-name buyers: JG Wentworth, Peachtree Financial Solutions, and Stone Street Capital. Peachtree and Stone Street are both owned by Axar Capital and operate as a coordinated buying group. JG Wentworth is the most heavily advertised name in the category. We compete with all three on every transaction we close.
We have built our operations around a different model. Three differences worth knowing:
- Our quote is final. If we quote you a number, that is the number that will hit your bank account at closing. We do not back-end fees or insert “processing costs” after the documents are signed. We see this kind of pricing surprise regularly in customer files who got quotes from the larger buyers first; the documented closing number is sometimes less than the headline quote by 8 to 15 percent.
- Our legal team is in-house. Four licensed attorneys at the company review every transaction in-house before the file is sent to outside counsel for court approval. We do not bill that internal review back to the customer. The point is to catch the issues that get a transfer denied (best-interest objections, IPA review failures, missing disclosures) before the file ever reaches a courtroom.
- We will not be beat on price. If you have a written quote from another buyer in hand, send it to us. We have closed transactions where our final number was substantially higher than the competing quote, and we want the opportunity to do that for you. The conversation is free, and there is no obligation if the numbers do not work for you.
If you are comparison shopping, we encourage you to read our Peachtree vs Catalina Structured Funding comparison and our structured settlement company comparison, both of which walk through the relative strengths of the major buyers in the category.
Our Leadership Team
The company is led by a leadership team that includes four California-licensed attorneys. We name each person by first name and last initial here per our editorial standards; full biographical pages link from each name:
- Evan C., Esq. Senior Vice President of Operations and a California-licensed attorney. Evan handles operational direction and oversees the legal review process on every transaction. The byline reviewer for our California-jurisdiction content.
- Chris M., Esq. Chief Executive Officer and a licensed attorney. Chris is the primary point of contact for our largest customer relationships and oversees company-wide strategy.
- Greg S., Esq. Licensed attorney on the legal team. Greg manages the structured-settlement transaction docket and the relationship with outside court-approval counsel.
- Sunny G., Esq. Licensed attorney on the legal team. Sunny focuses on the probate-advance and trust-distribution side of the business.
The full leadership directory and bench depth is at our leadership page. We hold ourselves to the editorial standards documented at editorial standards; every legal claim on the site is verified against the underlying statute or case before publication.
Our Track Record
We are a privately held company, so the public record we leave is the customer transactions we have closed and the third-party ratings that track our reputation. As of 2026:
- 15 years of continuous operation since founding in 2011.
- 4,000+ transactions closed across all four service lines.
- BBB A+ accreditation (Better Business Bureau profile ID 100103073, La Crescenta CA office), maintained since the company was accredited.
- 4.3 out of 5 Google Reviews rating from 110+ customers.
- Four licensed attorneys on the in-house legal team.
- 48 states + DC for structured settlements (Maryland excluded); 48 states + DC for probate advances (Connecticut and Virginia excluded).
Read the actual customer feedback at our reviews page, which includes 32 verified Google and BBB reviews across all four service lines.
Why the Name “Catalina”?
The company is named for Catalina Island, the resort island off the coast of southern California about 22 miles from the Port of Los Angeles. The founders are from the Los Angeles area, and the name was chosen as a regional marker rather than a description of what the company does. The “Structured Funding” portion describes the actual business activity, which is providing structured-payment-stream financing to customers who hold future payment rights.
We get the question often enough that it is worth answering directly. The company has no formal connection to Catalina Island, the city of Avalon, or any other entity that uses “Catalina” in its name. The few similarly named companies that show up in business directories (Catalina Investments, Catalina Ventures, Catalina Marketing) are not affiliated with us.
How We Handle Your Information
We treat customer information the way an attorney handles a client file: confidentially, in compliance with the privacy and consumer-protection laws of the customer's state, and only for the purposes the customer authorized when they reached out to us. Our full privacy policy documents the specific categories of information we collect, how we use it, and the rights customers have to access, correct, or delete it under the California Consumer Privacy Act and similar laws in other states.
We do not sell customer contact information to third parties, we do not share customer files with competing buyers, and we do not retain information beyond what we need to service the customer's account and meet our regulatory obligations.
How to Reach Catalina Structured Funding
The fastest way to get a quote or ask a question is to call us at (800) 317-3769 or fill out the form at our contact page. The phone is staffed during business hours by team members based in our California office; we are not a call center. The quote conversation typically takes 10 to 15 minutes and produces a number you can compare against any other written quote you have in hand.
Our mailing address for documents and correspondence is:
Catalina Structured Funding, Inc.
2626 Foothill Blvd, Ste. 200
La Crescenta, CA 91214
(800) 317-3769