CBC Settlement Funding
CBC Settlement Funding is a Conshohocken, Pennsylvania-based direct financial services company that purchases structured settlements, annuities, and lottery payouts from individuals in exchange for immediate lump sum cash, serving over 10,000 retail clients since 1998.
- Company typePrivate
- Founded2009
- HeadquartersWilmington, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CBC Settlement Funding does
CBC Settlement Funding, LLC is a Conshohocken, Pennsylvania-based direct financial services company that purchases future payment streams from individuals in exchange for an immediate lump sum. Founded in 2009 under the Covered Bridge Capital (CBC) brand (with predecessor activity referenced since 1998), the company operates as a subsidiary of CBC Holdings and serves three primary seller segments: structured settlement recipients (typically from personal injury cases), annuity holders (including inherited and retirement-sourced annuities), and lottery winners with multi-year payout options. A smaller fourth segment covers pre-settlement funding for plaintiffs with pending legal cases. All transactions are governed by state Structured Settlement Protection Acts and federal IRC Section 5891, requiring court approval and in-house legal handling, which CBC performs directly rather than outsourcing.
The company's core product suite consists of Cash for Structured Settlements, Annuity Purchasing, Lottery Purchasing, and Pre-Settlement Funding, supported by self-service tools including an online annuity calculator and an educational financial glossary. Revenue is generated through the spread between the present value paid to sellers and the face value of the future payment streams purchased, with pricing determined on a per-transaction, quote-based basis factoring payment amount, timing, prevailing interest rates, and the creditworthiness of the issuing insurance company. Go-to-market is direct-to-consumer: inbound phone lines (866-748-4781, 877-313-1417), website contact forms, and an SEO-oriented content strategy anchored by 43 educational blog articles. The company has paid over $500M to customers across 10,000+ clients and holds an A+ Better Business Bureau rating.
In October 2025, CBC Holdings received a strategic minority investment from Hildene Capital Management, with management retaining majority ownership and the stated objective of expanding into niche and illiquid financial assets, including structured settlements, annuities, and private mortgage notes. The company employs 11-50 staff with approximately 75 years of combined industry experience, operates without a disclosed proprietary technology stack or API, and does not disclose revenue figures. Its competitive positioning rests on regulatory compliance infrastructure, brand trust signals, and end-to-end in-house legal execution rather than technology differentiation.
CBC Settlement Funding firmographics
Firmographics- Name
- CBC Settlement Funding
- Legal name
- CBC Settlement Funding, LLC
- Website
- https://cbcsettlementfunding.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CBC Settlement Funding is a Conshohocken, Pennsylvania-based direct financial services company that purchases structured settlements, annuities, and lottery payouts from individuals in exchange for immediate lump sum cash, serving over 10,000 retail clients since 1998.
- Ownership category
- akta.pro rank
CBC Settlement Funding industry classification
Industry- Product category
- Structured Settlement & Annuity Factoring
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)
Keywords
Where CBC Settlement Funding is headquartered
LocationHeadquarters
- HQ city
- Wilmington
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CBC Settlement Funding business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Structured Settlement Factoring: CBC purchases structured settlement payment rights from sellers at a discounted rate in exchange for immediate lump sum cash. Revenue is generated through the spread between the present value paid to sellers and the face value of future payments received.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom quote-based pricing based on individual settlement evaluation |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
CBC Settlement Funding product offering
Product offeringCore offering
CBC Settlement Funding is a direct funder that purchases future payment streams from individuals at a discount in exchange for an immediate lump sum of cash. Core services include buying structured settlement payments, annuity payments, lottery annuity payouts, and providing pre-settlement funding while a lawsuit is pending. CBC manages the entire transaction, including quote generation, legal petition filing, court approval, and cash disbursement, in compliance with the federal Structured Settlement Protection Act.
Product overview
CBC Settlement Funding is a direct financial services company offering a unified platform for purchasing and selling future payment streams. The core product portfolio consists of three main service lines: Cash for Structured Settlements, Annuity Purchasing, and Lottery Purchasing. These services enable individuals who receive payments over time from personal injury settlements, annuities, or lottery winnings to convert future payment rights into immediate lump sum cash. The company also offers Pre-Settlement Funding for pending legal cases. A complementary Calculator tool helps users estimate annuity values, while a Financial Glossary provides educational resources. All transactions are processed internally with the company's own legal teams handling court filings and approval processes. The company operates as a direct funder with approximately 75+ years of combined industry experience and an A+ BBB rating.
Differentiator
Problem solved
Functional benefit
Products and services
- Cash for Structured Settlements Enables individuals to sell some or all of their structured settlement payments (from personal injury, workplace, malpractice, slip-and-fall, or pharmaceutical cases) in exchange for an immediate lump sum cash payment. CBC handles quote generation, petition filing, and court approval end to end.
- Annuity Purchasing Allows annuity owners to sell annuity payments (entirety, partial, or single lump sum amount) from retirement, insurance settlements, trust funds, or inherited annuities for immediate cash. CBC provides legal documentation and court approval support.
- Lottery Purchasing Enables lottery winners who chose annuity payouts to sell future lottery payments for a lump sum cash-out, also referred to as lottery annuity buyout or lottery cash-out services.
- Pre-Settlement Funding Provides financial assistance to plaintiffs while a legal settlement is pending, allowing access to funds before the structured settlement or final settlement is completed.
Quantifiable outcome
- Fast payout within 48-72 hours after court approval
- +2 more outcomes
Companies that use CBC Settlement Funding
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
CBC Settlement Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CBC Settlement Funding partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
CBC Settlement Funding competitors and assessment
Company assessmentDirect peers
- J.G. Wentworth: J.G. Wentworth is one of the largest and most recognized structured settlement and annuity purchasers in the US, advertising cash lump sums for future payment streams. Directly competes with CBC for the same seller segments using a similar direct-to-consumer model and court-supervised transfer process.
- Peachtree Financial Solutions: Peachtree Financial purchases structured settlements, annuities, and lottery winnings from individuals seeking lump-sum cash. Operates in the same regulatory framework (state SSPA, IRC 5891) and targets the same seller demographic as CBC.
- DRB Capital: DRB Capital is a specialty finance firm that purchases structured settlements, annuities, lottery winnings, and other future payment streams. Directly overlaps with CBC's core product set and customer base, with a similar court-approval-driven transaction model.
- Fairfield Funding: Fairfield Funding purchases structured settlements and lottery annuities, offering lump sums to sellers nationwide. Targets the same customer segments as CBC and operates through the same court-supervised transfer process.
- Stone Street Capital: Stone Street Capital purchases structured settlements, annuities, and lottery payments from individuals seeking immediate cash. Direct competitor to CBC in the same product category, serving similar consumer sellers with similar regulatory and court-approval workflows.
- Access Funding: Access Funding provides pre-settlement funding and structured settlement purchasing to plaintiffs awaiting or holding legal settlements. Directly comparable to CBC's pre-settlement funding and structured settlement purchasing product lines.
- Cherokee Funding: Cherokee Funding purchases structured settlements and annuities from individuals needing cash before scheduled payment dates. Operates in the same niche with comparable court-approved transaction mechanics and customer demographic.
- Oasis Financial: Oasis Financial is a leading provider of pre-settlement funding and post-settlement purchasing solutions for plaintiffs. Directly overlaps with CBC's pre-settlement funding and structured settlement cash-advance offerings.
- US Funding Solutions: US Funding Solutions purchases structured settlement payments and provides pre-settlement funding to plaintiffs nationwide. Comparable to CBC in product mix, target customer, and regulatory framework.
Others
- National Structured Settlements & Trade Association (NSSTA): NSSTA is the industry trade association representing structured settlement purchasers, brokers, and related professionals. Comparable as an ecosystem participant that shapes regulatory standards, ethics, and best practices for companies like CBC.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
CBC Settlement Funding social profiles
Digital presenceCBC Settlement Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
CBC Settlement Funding leadership team
Management profileNumber of profiles
Profiles2 records
CBC Settlement Funding funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CBC Settlement Funding 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 CBC Settlement Funding
What does CBC Settlement Funding do?
CBC Settlement Funding is a direct funder that purchases future payment streams from individuals at a discount in exchange for an immediate lump sum of cash. Core services include buying structured settlement payments, annuity payments, lottery annuity payouts, and providing pre-settlement funding while a lawsuit is pending. CBC manages the entire transaction, including quote generation, legal petition filing, court approval, and cash disbursement, in compliance with the federal Structured Settlement Protection Act.
Is CBC Settlement Funding a public or private company?
CBC Settlement Funding is a private company. It is classified as management employee owned and is currently operating.
When was CBC Settlement Funding founded?
CBC Settlement Funding was founded in 2009. It employs 11 to 50 people.
Where is CBC Settlement Funding based?
CBC Settlement Funding is headquartered in Wilmington, United States, in the North America region.
How does CBC Settlement Funding make money?
One revenue line is on record: structured Settlement Factoring.
Who are CBC Settlement Funding's main competitors?
Direct peers on record are J.G. Wentworth, Peachtree Financial Solutions, DRB Capital, Fairfield Funding, Stone Street Capital, Access Funding, Cherokee Funding, Oasis Financial and US Funding Solutions. National Structured Settlements & Trade Association (NSSTA) is listed as an others.
Does CBC Settlement Funding have an API?
No public API is recorded for CBC Settlement Funding.
What industry is CBC Settlement Funding in?
CBC Settlement Funding's product category is Structured Settlement & Annuity Factoring. Its primary akta.pro industry code is FSAKAIAK, Debt Settlement / Negotiation Programs (Non-loan). Its NAICS code is 52222 and its SIC code is 6159.