Liberty Settlement Funding

What Liberty Settlement Funding does

Liberty Settlement Funding is a specialty finance company headquartered at 633 South Federal Hwy, Fort Lauderdale, Florida, that purchases future payment rights in the secondary market. The company buys all or a portion of structured settlement payments, annuity payments, and lottery winnings, and also provides non-recourse pre-settlement funding (including medical lien and surgical funding sub-products) to plaintiffs with pending lawsuits. It serves U.S.-resident individuals who hold periodic payment streams from insurance carriers, legal settlements, workers' compensation arrangements, or state lotteries and need immediate lump-sum liquidity for purposes such as debt payoff, property purchases, education funding, business investment, or medical expenses.

The company's technology stack is not publicly detailed beyond standard website, CRM, and underwriting infrastructure used to intake applications, quote discounts, and manage the court-supervised transfer process. There is no disclosed proprietary technology, patent portfolio, or AI/ML component. GTM is direct-to-consumer: customers reach the company via a dedicated phone line (855-643-0333), web inquiry forms, SEO-optimized educational content, and social channels, after which dedicated account executives manage the transaction end-to-end.

The business model is transactional factoring: Liberty buys future cash flows at a discounted present value and earns the spread between the lump sum paid and the nominal value of the payments acquired. Capital structure is anchored by a $100 million secured debt facility closed in August 2015 (CEO Jim McCabe, President Marc Hermes). The company reports over $1 billion in cumulative payments purchased and over 100 years of collective team experience, and holds BBB accreditation and National Association of Settlement Purchasers membership. Revenue, headcount (11-50), and ownership details are not publicly disclosed.

Name

Liberty Settlement Funding

Legal name

Liberty Settlement Funding

Website

https://libertysettlementfunding.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Liberty Settlement Funding is a Fort Lauderdale-based specialty finance company that purchases structured settlement payments, annuity payments, lottery winnings, and pre-settlement claims from U.S. residents seeking immediate lump-sum cash in exchange for their future periodic payment streams.

Ownership category

akta.pro rank

Product category

Structured Settlement Funding

NAICS

Miscellaneous Intermediation (523910)

SIC

Finance Services (6199), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Structured Settlement Annuities (FSAIACAJ)

akta.pro secondary industry

Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)

Keywords

• Structured settlement funding
• Annuity payment purchasing
• Pre-settlement funding
• Lottery winnings purchasing
• Specialty consumer finance

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Structured Settlement Purchasing: Liberty Settlement Funding generates revenue by purchasing structured settlement payments at a discounted rate from individuals who need immediate cash. The company provides a lump-sum payment in exchange for the rights to future periodic payments, with the discount representing the company's margin.
2. Annuity Payment Purchasing: Similar to structured settlement purchasing, the company buys annuity payments at discounted rates, providing lump-sum cash payments to annuity holders who need liquidity.
3. Lottery Winnings Purchasing: The company purchases lottery winnings and lottery annuity payments, allowing winners to receive a lump sum instead of waiting for periodic payments.
4. Pre-Settlement Funding: Non-recourse funding provided to individuals with pending lawsuits, providing cash advances against expected settlement proceeds.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Liberty Settlement Funding purchases future payment rights at a discounted rate from individuals, providing lump-sum cash in exchange. Core offerings include buying structured settlement payments, annuity payments, lottery winnings, and providing non-recourse pre-settlement funding to plaintiffs with pending lawsuits. The company tailors each transaction to the applicant's unique financial situation, handling paperwork and court approval as needed.

Product overview

Liberty Settlement Funding is a specialty finance company that operates as a single unified service platform — purchasing payment rights from structured settlements, annuities, lottery winnings, and providing pre-settlement funding. The core product portfolio consists of Structured Settlements, Pre-Settlement Funding (which encompasses Medical Lien Funding and Surgical Funding as sub-products), Annuity Payment Purchasing, and Lottery Winnings Purchasing. The company enables individuals receiving periodic payments from insurance companies or legal settlements to access their money immediately via lump-sum payouts, tailored to each applicant's unique financial situation.

Differentiator

Problem solved

Functional benefit

Products and services

• Structured Settlements Liberty Settlement Funding purchases structured settlement payment rights from recipients, allowing them to convert future periodic payments (from personal injury lawsuits, wrongful death claims, or workers' compensation arrangements) into an immediate lump sum. Customers can sell all or a portion of their structured settlement payments.
• Pre-Settlement Funding Non-recourse funding provided to plaintiffs with pending lawsuits, offering cash advances against anticipated settlement or judgment proceeds. Funding is only repayable if the case settles favorably.
• Medical Lien Funding A specialized funding product that advances cash to individuals with medical liens related to pending lawsuits, addressing medical-related financial needs during litigation.
• Surgical Funding A specialized funding product providing cash advances to individuals facing surgical needs related to pending legal claims.
• Annuity Payment Purchasing Liberty Settlement Funding purchases annuity payment rights, enabling annuity recipients to receive a lump sum in exchange for their future periodic annuity payments.
• Lottery Winnings Purchasing Liberty Settlement Funding purchases lottery winnings in the secondary market, providing lump-sum cash payments to lottery winners who prefer immediate access to their winnings over annuity distributions.

Quantifiable outcome

• Many customers receive cash advances within days of application
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Seneca One Finance: Through acquisitions (including FactorPlace and others), Seneca One operates a structured settlement purchasing business with similar products and customer profiles to Liberty.
• J.G. Wentworth: The largest and most recognized buyer of structured settlements, annuity payments, and lottery winnings in the U.S. Direct competitor to Liberty with a similar product set but materially greater brand awareness and capital base.
• Peachtree Financial Solutions: Direct competitor purchasing structured settlement and annuity payments. Operates the same secondary-market, court-approved transfer model as Liberty with comparable consumer target segments.
• Fairfield Funding: Specialty finance company that purchases structured settlement and annuity payment rights. Competes head-to-head with Liberty for individual consumer transactions in the secondary market.
• Settlement Capital: Specialty buyer of structured settlements, annuities, and lottery winnings. Comparable direct-to-consumer model targeting individuals seeking lump-sum cash from periodic payment streams.
• Novation Settlement Solutions: Purchases future structured settlement and annuity payments from consumers. Operates in the same niche as Liberty with a comparable court-approved transfer process.
• United Settlement Funding: Direct competitor purchasing structured settlement payment rights from individuals seeking lump-sum cash. Operates with a similar consumer-finance model targeting the same primary customer segments.
• Cambridge Capital: Specialty finance firm focused on structured settlement and annuity purchasing. Comparable transaction structure and customer base to Liberty.
• DRB Capital: Purchases structured settlements, lottery winnings, and other future cash-flow streams. Comparable product offering with similar court-approval workflow and consumer target audience.
• Lewis & Clark Settlement Funding: Specialty finance company purchasing structured settlement and annuity payments. Competes in the same secondary payment-rights market with a comparable direct-to-consumer approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/liberty-settlement-funding
• Facebookfacebook.com/LibertySettlementFunding
• Xx.com/Libertyfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about Liberty Settlement Funding