DRB Financial Solutions

What DRB Financial Solutions does

DRB Financial Solutions, operating as DRB Capital, LLC, is a US-based financial services firm founded in 2007 and headquartered in Delray Beach, Florida. The company purchases future periodic payment streams — primarily structured legal settlements and annuity payments — from individual consumers at a discount, delivering a lump-sum cash payout in exchange. Each transaction requires court approval for structured settlements, and DRB coordinates the judicial process on behalf of the seller.

The company's core products are Structured Settlement Purchase Services and Annuity Purchase Services, both following the same four-step flow: inbound contact via phone or live chat, free quote with multiple options, court coordination, and cash disbursement. The firm operates a direct-to-consumer go-to-market with no disclosed proprietary technology stack, no mobile app, and no public API or integration partnerships. Revenue is generated transactionally as the spread between the discounted purchase price paid to the seller and the face value of the future payment stream, making DRB the principal risk-taker on the future cash flows it acquires.

DRB serves exclusively US residents, distributing through a phone-based sales line, website live chat, organic search, and content marketing. Trust signals — including BBB A+ accreditation, SOC certification, and a registered trademark — underpin the consumer-facing brand. The company has raised approximately $200 million across two 2019 funding rounds and acquired Echelon Medical Capital in 2017, but no post-2019 strategic moves are disclosed.

Name

DRB Financial Solutions

Legal name

DRB Capital, LLC

Website

https://drbfinancial.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

DRB Financial Solutions (operating as DRB Capital, LLC) is a US-focused purchaser of structured settlement and annuity payment streams, providing individual consumers with lump-sum cash in exchange for their future periodic payments via direct phone and online channels.

Ownership category

akta.pro rank

Product category

Structured Settlement and Annuity Purchasing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

A2A Payouts & Disbursements (FSAMAFAG)

akta.pro secondary industry

A2A Collections & Direct Account Funding (FSAMAFAH)

Keywords

• Structured settlement purchasing
• Annuity purchase services
• Settlement payment factoring
• Lump sum cash advances
• Structured settlement funding

Headquarters

HQ city

Delray Beach

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Structured Settlement and Annuity Purchase: DRB Capital purchases structured settlement and annuity payments from individuals at a discounted lump-sum rate. The company profits from the difference between the discounted purchase price and the full face value of future payments. This is a transaction-based revenue model where the company takes on the financial risk of collecting future payments.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

DRB Financial Solutions (dba DRB Capital) purchases structured settlement payments and annuity payments from individuals, providing lump-sum cash in exchange for future periodic payment streams. The company works with courts on behalf of sellers to legally facilitate the transfer of payment rights, offering free quotes, multiple payment options, and handling the court approval process. Pricing is individualized based on the specific terms of each settlement or annuity.

Product overview

DRB Capital offers a unified financial services platform for selling future payment streams. The company operates two core service offerings: Structured Settlement Purchase Services and Annuity Purchase Services. Both services follow the same process flow—initial consultation via phone or live chat, free quote review with multiple options, court coordination on the seller's behalf, and cash disbursement. The company positions these as complementary liquidity solutions under one platform, emphasizing fast cash delivery, no hidden costs, and seller communication as key differentiators.

Differentiator

Problem solved

Functional benefit

Products and services

• Structured Settlement Purchase Services DRB Capital purchases structured settlement payments from individuals who hold future periodic payment streams (often derived from legal settlements) and provides them with a lump-sum cash payment in exchange. The company works with courts on behalf of sellers to legally facilitate the transfer of payment rights, provides free quotes with multiple options, and handles the court approval process end-to-end.
• Annuity Purchase Services DRB Capital purchases annuity payments from individuals, enabling sellers to receive immediate cash for their future annuity payment streams. The service follows the same process as the structured settlement offering, including free quotes with multiple payout options, court coordination on the seller's behalf, and direct cash disbursement.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Direct peers

• Peachtree Financial Solutions: Direct competitor purchasing structured settlements and annuity payments nationwide with a similar court-coordinated transaction model.
• Novation Settlement Solutions: Purchaser of future structured settlement and annuity payment streams, directly comparable in product offering and target customer.
• JG Wentworth: Largest and most recognized direct competitor in structured settlement and annuity purchasing, with a national direct-to-consumer marketing footprint highly comparable to DRB Capital.
• Cash Now (drbcapital.com / cashnow.com comparable): Online direct-to-consumer buyer of structured settlements and annuities targeting the same U.S. individual seller segment as DRB Capital.
• Stone Street Capital: Purchaser of structured settlements and annuity payments serving individual sellers; competes in the same niche with similar direct-to-consumer outreach.
• Settlement Capital Corporation: Specialized purchaser of structured settlement payments; operates in the same niche with comparable court-coordinated purchase model.
• Fairfield Funding: Specialized purchaser of structured settlement and annuity payments, competing directly with DRB in the secondary receivables market.
• Liberty Settlement Funding: Direct peer purchasing structured settlement payments from individuals, operating with a comparable court-facilitated transaction process.

Emerging players

• Annuity.org: Lead-generation and education platform in the annuity space that connects sellers with multiple buyers; an emerging channel/player overlapping DRB's top-of-funnel acquisition.
• USClaims: Litigation funding and structured settlement purchasing platform with overlapping target customers in need of accelerated payment access.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DRB Financial Solutions