15+
Years in Business
4,000+
Transactions Funded
$200M+
Total Funded
A+
BBB Rating
Why Sell Your Structured Settlement?
Life doesn't always wait for your next payment. Get a lump sum now and take control of your finances.
Pay Off Debt
Eliminate high-interest credit cards, medical bills, or other debt with a single lump sum payment.
Buy a Home
Use your settlement cash as a down payment or purchase a home outright, no more renting.
Cover Medical Expenses
Get the funds you need for surgeries, treatments, or ongoing care without waiting on future payments.
Invest in Your Future
Start a business, go back to school, or make an investment that builds long-term wealth.
How It Works
Get a Free Quote
Tell us about your structured settlement payments. We respond immediately with a competitive lump sum offer.
We Handle Everything
CSF prepares the transfer petition, files with the court in your state, and serves the annuity issuer at no cost to you.
Receive Your Cash
After the judge signs the transfer order, your lump sum wires directly to your bank account. Pre-approval advances available in many states.
Real Stories from Real Customers
Join thousands of Americans who chose Catalina Structured Funding to get cash when they needed it most.
“I had a great experience working with Pablo and the other folks at Catalina. They made sure I understood what was going on through every step of the process and I got a great price for my payments (after shopping around between several companies).”
Leslie G.
“I just finished working with Catalina Funding for the first time and the whole experience was great from start to finish. I worked with Sara and I could not recommend her more. She was transparent, honest, and extremely communicative. I was able to wrap up the entire sale of my annuity in about 2 months and just bought my first home as planned.”
Rene U.
“IAN IS THE MAN WITH THE MASTERPLAN!!! Hands down the best structured settlement funding company around. They take the time to explain selling options, and will draw up other options for funding, if the ones provided initially don’t work for your needs at the time. Honestly, the best customer service I’ve received from any company around.”
T M.
How Court Approval Works
And why it’s a protection, not a hurdle.
Every state requires a judge to approve the sale of structured settlement payments before any funds change hands. The Structured Settlement Protection Act, in some form in all 50 states, sets that rule. It is reinforced federally by IRC § 5891, which imposes a 40% excise tax on any factoring transaction that skips court approval. No legitimate buyer closes a sale without an order from the bench.
The judge’s job is to find that the transfer is in your best interest and the best interest of any dependents. That determination weighs the use of funds, your financial picture, the alternatives available to you, the discount rate, and the specific terms of the agreement. The hearing itself is short, and in many states is available by phone or video.
Quote and offer
CSF pulls your annuity details, runs the math, and sends a written offer with the exact lump sum, the discount rate, and a complete cost breakdown before you sign anything.
Disclosure and signing
Federal and state law require a written disclosure statement before you sign. Most states then enforce a waiting period (typically 3 to 14 days) between disclosure and the transfer agreement.
Petition filed in your state
CSF prepares the transfer petition under your state's Structured Settlement Protection Act and files in the court where you reside. Notice is served on the annuity issuer, the original payee, and any required interested parties.
Best-interest hearing
A short hearing in front of the judge, often available by phone or video. The judge reviews the disclosure, asks about the use of funds and your financial picture, and either approves, modifies, or denies the transfer.
Order signed, funds wired
Once the judge signs the order, the annuity issuer redirects the sold payments to CSF and CSF wires the lump sum to your bank account.
Most sales fund 45 to 90 days from your first call. Faster timelines (20 to 25 days from filing) are possible in states with light court calendars. CSF handles every filing, serves the annuity issuer, and prepares the disclosure packet. You typically only show up for the hearing.
These are the mechanics. The numbers, the timing, and whether selling makes sense for your situation are decisions to compare across at least two or three offers and to discuss with your own attorney or a financial advisor before signing anything.