DRB Capital
DRB Capital, LLC is a US financial services firm that purchases structured settlement and annuity payments from individuals at a discount, providing immediate lump-sum cash. The Boca Raton, Florida company serves personal injury, medical malpractice, and annuity holders nationwide via phone-based direct sales.
- Company typePrivate
- Founded2000
- HeadquartersDelray Beach, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What DRB Capital does
DRB Capital, LLC is a privately held US financial services firm specializing in the purchase of structured settlement and annuity payment streams from individuals who need immediate liquidity. Founded circa 2000 and headquartered in Boca Raton, Florida, the company serves personal injury settlement recipients, medical malpractice settlement holders, class action lawsuit participants, and annuity holders across the United States through a direct-to-consumer model. Customers contact the company via six toll-free phone numbers, website intake forms, or live chat, and dedicated representatives guide them through quote generation, court approval, and funding. The company completes transactions in as few as 45 days and offers both full and partial buyout options, with some payments directly deposited within 24 hours of funding approval.
The company's revenue model is transaction-based: it purchases future periodic payments at a discount reflecting present value calculations, retaining the spread as its economic return. Pricing is transaction-specific with no publicly disclosed discount rates, and free quotes are offered with no obligation. The product portfolio includes Structured Settlement Purchase Services and Annuity Purchase Services as core offerings, with Pre-Settlement Funding as an add-on for plaintiffs awaiting case resolution. Specialized sub-products target personal injury, medical malpractice, and class action settlements. All transactions are court-approved, and the company handles court paperwork on the customer's behalf.
DRB Capital does not operate a proprietary technology platform. Its operational infrastructure consists of e-signature capability for transaction processing, a web intake system with live chat, multiple toll-free phone lines, an opt-in SMS text messaging program, and Google Analytics for website engagement measurement. The firm holds SOC 2 compliance certification (AICPA) and BBB accreditation, and displays Consumer Advocate and Google Reviews endorsements. The company is independently owned with no disclosed institutional investors, parent company, or external funding rounds, and operates exclusively within the United States with explicit geographic restrictions on EU and UK residents.
DRB Capital firmographics
Firmographics- Name
- DRB Capital
- Legal name
- DRB Capital, LLC
- Website
- https://drbcapital.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- DRB Capital, LLC is a US financial services firm that purchases structured settlement and annuity payments from individuals at a discount, providing immediate lump-sum cash. The Boca Raton, Florida company serves personal injury, medical malpractice, and annuity holders nationwide via phone-based direct sales.
- Ownership category
- akta.pro rank
DRB Capital industry classification
Industry- Product category
- Structured Settlement Purchasing
- NAICS
- Trusts, Estates, and Agency Accounts (525920)
- SIC
- Miscellaneous Business Credit Institution (6159), Asset-Backed Securities (6189)
- akta.pro primary industry
- Structured Settlement Annuities (FSAIACAJ)
- akta.pro secondary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where DRB Capital is headquartered
LocationHeadquarters
- HQ city
- Delray Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
DRB Capital business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Structured Settlement Purchasing: DRB Capital generates revenue by purchasing structured settlement and annuity payments at a discount, providing sellers with a lump sum while retaining the future payment stream. The company buys payments from individuals who need immediate cash, acquiring them at rates that reflect present value calculations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free quote - no obligation pricing |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
DRB Capital product offering
Product offeringCore offering
DRB Capital purchases structured settlement and annuity payments from individuals at a discount, providing sellers with an immediate lump sum of cash in exchange for their future periodic payment streams. The company purchases structured settlements, investment annuities, and life-contingent structured settlements, offering full and partial buyout options, handles all court paperwork on the customer's behalf, and serves customers across the United States.
Product overview
DRB Capital offers a unified financial services platform centered on purchasing structured settlements and annuities. The core products include Structured Settlement Purchase Services and Annuity Purchase Services, which allow individuals to convert future periodic payments into immediate lump sum cash. Additional offerings include Pre-Settlement Funding for pending lawsuits, along with specialized sub-products for Personal Injury, Medical Malpractice, and Class Action lawsuit settlements. All transactions are court-approved and the company offers both full buyouts and partial sale options.
Differentiator
Problem solved
Functional benefit
Products and services
- Structured Settlement Purchase Services DRB Capital purchases structured settlement payments from individuals, allowing them to convert future periodic payments into a lump sum of cash. The service includes evaluation of payment schedules, customized payout options, partial buyout options, and court-approved transactions.
- Annuity Purchase Services DRB Capital purchases annuity payments, including investment annuities and life-contingent structured settlements, providing sellers with immediate cash in exchange for their future payment streams.
- Personal Injury Settlement Services Specialized service for individuals with personal injury settlements from car accidents and slip-and-fall cases who need to sell their structured settlement payments for lump sum cash to address medical costs and living expenses.
- Medical Malpractice Settlement Services Service for individuals with medical malpractice settlements who wish to convert their structured settlement payments into a lump sum, typically involving large settlement amounts structured over time and urgent need for funds due to injury-related expenses.
- Class Action Lawsuit Settlement Services Assistance for individuals involved in class action lawsuits against car companies, medical companies, toy companies, and other entities who want to determine if their settlement qualifies for a lump sum payment.
Quantifiable outcome
- Some transactions can be funded within 45 days
- +1 more outcomes
Companies that use DRB Capital
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
DRB Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature1 record
DRB Capital partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
DRB Capital competitors and assessment
Company assessmentDirect peers
- Novation Settlement Solutions: Novation is a direct competitor buying structured settlement and annuity payment streams in the US. It offers similar full and partial buyout options and shares DRB's customer profile of motivated payees seeking lump-sum liquidity.
- Fairfield Funding: Fairfield Funding purchases structured settlements, annuities, and lottery winnings with a court-approved process that closely mirrors DRB's offering. It targets the same consumer segments and uses a comparable direct-sales motion.
- Olive Branch Funding: Olive Branch Funding is a smaller structured settlement and annuity purchasing company with an inside-sales and court-facilitated model analogous to DRB's. It competes for the same mid-market settlements and annuity buyouts.
- JG Wentworth: JG Wentworth is the largest and most recognized structured settlement and annuity buyer in the US, running a similar phone-driven, court-facilitated purchase model. It is the category leader and most directly comparable competitor to DRB Capital across all use cases (PI, malpractice, class action).
- Peachtree Financial Solutions: Peachtree Financial purchases structured settlements, annuities, and lottery payments directly from consumers with a court-approved process nearly identical to DRB's. It competes head-to-head for the same seller pool with a comparable phone-based GTM motion.
- 1-800-LAW-FIRM / LawCash: LawCash provides pre-settlement funding and structured settlement purchasing to plaintiffs. DRB has offered pre-settlement funding historically, making LawCash an overlapping peer in the legal funding and structured settlement purchase market.
Emerging players
- Seneca One Finance: Seneca One is a balance-sheet provider that finances structured settlement and annuity purchase transactions. Rather than directly competing for consumer customers, it operates upstream as a capital partner/funding source for the industry in which DRB participates.
Broad incumbents
- Guardian Life Insurance: Guardian is a major US insurance carrier that originates structured settlements. As a primary issuer, it produces the underlying payment streams that DRB subsequently purchases in the secondary market.
- American Equity Life: American Equity is a large US issuer of fixed-indexed and fixed annuities and structured settlement products. While it sits on the origination side rather than secondary market, it directly influences the supply of payment streams DRB purchases.
- Berkshire Hathaway (Berkshire Hathaway Specialty Insurance / Structured Settlement division): Berkshire Hathaway participates in the structured settlement issuance market through its insurance operations. While not a secondary market buyer like DRB, it shapes the supply side of the payment streams that DRB acquires.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
DRB Capital social profiles
Digital presenceDRB Capital compliance and trust
Trust signalCompliance2 records
DRB Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
DRB Capital leadership team
Management profileNumber of profiles
Profiles5 records
DRB Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DRB Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DRB Capital
What does DRB Capital do?
DRB Capital purchases structured settlement and annuity payments from individuals at a discount, providing sellers with an immediate lump sum of cash in exchange for their future periodic payment streams. The company purchases structured settlements, investment annuities, and life-contingent structured settlements, offering full and partial buyout options, handles all court paperwork on the customer's behalf, and serves customers across the United States.
Is DRB Capital a public or private company?
DRB Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was DRB Capital founded?
DRB Capital was founded in 2000. It employs 101 to 250 people.
Where is DRB Capital based?
DRB Capital is headquartered in Delray Beach, United States, in the North America region.
How does DRB Capital make money?
One revenue line is on record: structured Settlement Purchasing.
Who are DRB Capital's main competitors?
Direct peers on record are Novation Settlement Solutions, Fairfield Funding, Olive Branch Funding, JG Wentworth, Peachtree Financial Solutions and 1-800-LAW-FIRM / LawCash. Seneca One Finance is listed as an emerging player. Broad incumbents are Guardian Life Insurance, American Equity Life and Berkshire Hathaway (Berkshire Hathaway Specialty Insurance / Structured Settlement division).
Does DRB Capital have an API?
No public API is recorded for DRB Capital.
What industry is DRB Capital in?
DRB Capital's product category is Structured Settlement Purchasing. Its primary akta.pro industry code is FSAIACAJ, Structured Settlement Annuities, with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 525920 and its SIC code is 6159.