Stone Street Capital
- Company typePrivate
- Founded1989
- HeadquartersBethesda, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Stone Street Capital does
Stone Street Capital, LLC is a privately held US financial services firm that purchases future payment streams — structured settlements, annuities, and lottery or casino prize winnings — from individuals in exchange for an immediate lump sum of cash. Operating under a unified "Cash Now" brand with three product lines (Structured Settlement Cash Options, Annuity Cash Options, and Lottery Prize Cash Options), the company serves individual consumers who need upfront cash for time-sensitive expenses such as home purchases, debt payoff, medical bills, or education. The company is part of The J.G. Wentworth Company family of companies, headquartered at 1200 Morris Drive in Chesterbrook, Pennsylvania, and operates as Stone Street Capital, LLC alongside wholly-owned subsidiary Stone Street Originations, LLC.
The business model is transaction-based: revenue is generated on the spread (discount rate) between the lump sum paid to the seller and the present value of the future payment streams acquired. Pricing is quote-based, case-specific, and not publicly disclosed. Distribution runs through a direct-to-consumer motion — primarily toll-free phone sales (866-416-5118), a website self-service portal with free quote forms, and supporting channels including social media (Facebook, Twitter @moolathecashcow, LinkedIn, YouTube), email/newsletter, direct mail scratch-off promotions, and referrals. The company maintains an in-house legal team to manage the 45-60 day court approval process required for structured settlement transfers and offers cash advances during the waiting period.
Stone Street Capital operates only within the United States and is restricted from actively transacting with residents in Maryland, Rhode Island, Vermont, and West Virginia, with additional restrictions on pending transactions in Georgia, Louisiana, and Nevada. It has 101-250 employees, BBB A+ accreditation serving Washington DC and Eastern Pennsylvania, and a Top Consumer Reviews five-star rating. Leadership includes Adam Shapiro (CEO & President), William Senich (CEO), and Andre Monteil (Chairman). No public revenue, funding events, or M&A activity are disclosed.
Stone Street Capital firmographics
Firmographics- Name
- Stone Street Capital
- Legal name
- Stone Street Capital, LLC
- Website
- https://stonestreet.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where Stone Street Capital is headquartered
LocationHeadquarters
- HQ city
- Bethesda
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Stone Street Capital business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Others, Infrastructure, Technology or R&D
Revenue model
- Structured Settlement Purchases: Stone Street Capital purchases structured settlement payments from individuals who won civil lawsuit judgments. The company buys future payments for a discounted lump sum, providing cash immediately rather than waiting for scheduled payments over time.
- Annuity Purchases: The company purchases various types of annuities including inherited annuities, assignable annuities, fixed annuities, and insurance claims for upfront cash.
- Lottery and Casino Jackpot Purchases: Stone Street Capital purchases lottery winnings, casino jackpot payments, and prize payments from winners who prefer immediate cash over waiting for scheduled payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing determined by present value of future payments |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Stone Street Capital product offering
Product offeringCore offering
Stone Street Capital purchases future payment streams — structured settlements, annuities, and lottery or casino prize winnings — from individuals and pays them an immediate lump sum in exchange for those scheduled future payments. The company offers free quotes, one-on-one consultation, in-house legal handling of court approval processes, and the flexibility to sell all, part, or portions of payments. Customers are not borrowing — they are selling future periodic payments for cash with nothing to repay.
Product overview
Stone Street Capital offers a single unified financial service: purchasing future payment streams (structured settlements, annuities, and lottery prizes) from individuals in exchange for immediate lump sum cash. The company operates under a unified "Cash Now" brand with three core product lines - Structured Settlement Cash Options, Annuity Cash Options, and Lottery Prize Cash Options - all representing variations of the same fundamental transaction where customers sell some or all of their future periodic payments for upfront cash. Services include free quotes, one-on-one consultation, and assistance with court approval processes for structured settlement transfers.
Differentiator
Problem solved
Functional benefit
Products and services
- Structured Settlement Cash Options
- Annuity Cash Options
- Lottery Prize Cash Options
Quantifiable outcome
- Average less than a week after hearing date to receive money
- +1 more outcomes
Companies that use Stone Street Capital
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Stone Street Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Stone Street Capital partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- Evolve Bank & TrustminorEvolve Bank & Trust issues the Stone Street Visa Prepaid Card pursuant to a license from Visa U.S.A., Inc. This partnership provides promotional prepaid cards to customers as part of marketing campaigns. Stone Street Capital offers bonus rewards through these cards, not Evolve Bank & Trust.
- The J.G. Wentworth Company (Parent)coreStone Street Capital is part of The J.G. Wentworth Company family of companies. This affiliation provides shared resources, brand recognition, and operational synergies across the structured settlement and annuity purchasing industry.
- Peachtree Financial SolutionscoreAffiliated company within The J.G. Wentworth Company family, sharing similar business model of purchasing future payment streams and providing lump sum cash options to customers.
- J.G. Wentworth OriginationscoreAffiliated company specializing in structured settlement and annuity originations within the J.G. Wentworth Company network.
- Navistar Direct MarketingminorThird-party marketing partner that determines prize amounts at random for Stone Street promotional scratch-off mailers. 50% of recipients receive $35 and 50% receive $50 in the promotional campaign.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Stone Street Capital competitors and assessment
Company assessmentDirect peers
- DRB Capital: Specialized purchaser of future payment streams including structured settlements, lottery winnings, and royalty receivables. Targets the same customer profile and competes on present-value pricing, transaction speed, and customer service quality.
- Novation Companies: Buys structured settlements and other future receivables for upfront cash, serving the same consumer profile with court-supervised transfer processes. Operates as a direct competitor for lead flow in the secondary structured settlement market.
- US Cash Buyers: Purchases structured settlements and lottery winnings from holders seeking immediate cash. Comparable in transaction size range, customer segment, and reliance on direct-to-consumer marketing channels.
- Fairfield Funding: Specialized purchaser of structured settlements, annuities, and lottery winnings offering lump-sum cash to holders of future payments. Comparable product portfolio, target customer, and transactional regulatory requirements.
- Singer Asset Finance: Purchases future structured settlement and annuity payments from individuals seeking lump-sum cash. Comparable in customer acquisition channels (phone, direct mail), transaction structure, and regulatory framework.
- J.G. Wentworth: Stone Street's parent within The J.G. Wentworth Company family and the most recognizable brand in U.S. structured settlement purchasing. Operates an overlapping product set (annuities, structured settlements, lottery) under a unified marketing platform, making it the closest functional and strategic comparable.
- Priority Plus Financial: Specialized buyer of future structured settlement and annuity payment streams, offering lump sums to consumers facing immediate financial needs. Comparable customer profile, transaction structure, and regulatory exposure.
- CBC Settlement Funding: Buys structured settlement payments, annuities, and lottery payouts from individuals, competing head-to-head for the same lead sources and using court-supervised transfer processes similar to Stone Street's workflow.
- Peachtree Financial Solutions: Sister company within The J.G. Wentworth Company family that purchases structured settlements and annuities for lump-sum cash. Directly comparable business model, customer profile, and regulatory exposure to Stone Street, often sharing back-office and capital resources.
Broad incumbents
- OneMain Financial: Large established consumer finance lender serving subprime and near-prime borrowers with personal loans. Not a direct competitor in structured settlement purchasing, but overlaps in serving financially-distressed consumers and adjacent in consumer lending expertise and capital deployment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Stone Street Capital social profiles
Digital presenceStone Street Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stone Street Capital leadership team
Management profileNumber of profiles
Profiles3 records
Stone Street Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Stone Street Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stone Street 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 Stone Street Capital
What does Stone Street Capital do?
Stone Street Capital purchases future payment streams — structured settlements, annuities, and lottery or casino prize winnings — from individuals and pays them an immediate lump sum in exchange for those scheduled future payments. The company offers free quotes, one-on-one consultation, in-house legal handling of court approval processes, and the flexibility to sell all, part, or portions of payments. Customers are not borrowing — they are selling future periodic payments for cash with nothing to repay.
Is Stone Street Capital a public or private company?
Stone Street Capital is a private company. It is classified as corporate owned and is currently operating.
When was Stone Street Capital founded?
Stone Street Capital was founded in 1989. It employs 101 to 250 people.
Where is Stone Street Capital based?
Stone Street Capital is headquartered in Bethesda, United States, in the North America region.
How does Stone Street Capital make money?
Three revenue lines are on record. Structured Settlement Purchases are the primary driver. The others are annuity Purchases and lottery and Casino Jackpot Purchases.
Who are Stone Street Capital's main competitors?
Direct peers on record are DRB Capital, Novation Companies, US Cash Buyers, Fairfield Funding, Singer Asset Finance, J.G. Wentworth, Priority Plus Financial, CBC Settlement Funding and Peachtree Financial Solutions. OneMain Financial is listed as a broad incumbent.
Does Stone Street Capital have an API?
No public API is recorded for Stone Street Capital.