Fairfield Funding
- Company typePrivate
- Founded2008
- HeadquartersAtlanta, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
Fairfield Funding firmographics
Firmographics- Name
- Fairfield Funding
- Legal name
- Fairfield Funding
- Website
- https://fairfieldfunding.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Fairfield Funding industry classification
Industry- Product category
- Structured Settlement Purchasing
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)
Keywords
Where Fairfield Funding is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Fairfield Funding business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others, Technology or R&D
Revenue model
- Structured Settlement Purchasing: Fairfield Funding purchases future structured settlement and annuity payments from individuals at a discount, providing lump sum cash payments in exchange for transfer of payment rights. The company earns revenue through the spread between the present value of future payments and the lump sum offered.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based discount rate model |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Fairfield Funding product offering
Product offeringCore offering
Fairfield Funding is a direct funder that purchases future structured settlement, annuity, and lottery periodic payment streams from individual holders in exchange for a lump-sum cash payment, applying discount rates of approximately 6%–29% to determine the offer. The company handles the full transaction lifecycle including quote generation, court petition filing under the Structured Settlement Protection Act, and disbursement of proceeds (often within 5 days after court approval). Complementary offerings include pre-settlement funding for plaintiffs awaiting case resolution and an online calculator for estimating payout values.
Product overview
Fairfield Funding operates as a direct funder of structured settlement and annuity payments, offering a unified suite of financial services centered on purchasing future payment streams. The core offerings include purchasing structured settlement payments (from legal settlements), annuity payments, lottery payment winnings, and specialized life contingent structured settlement payments. The company also provides pre-settlement funding and a structured settlement calculator tool. All services are focused on providing lump sum cash payments in exchange for periodic payment rights, with processes governed by the Structured Settlement Protection Act requiring court approval for transfers.
Differentiator
Problem solved
Functional benefit
Products and services
- Structured Settlement Purchase Purchase of structured settlement payment rights from individuals receiving periodic payments from legal settlements (personal injury, wrongful death, workers' compensation) in exchange for a lump-sum cash payment; transaction requires court approval under the Structured Settlement Protection Act.
- Annuity Payment Purchase Purchase of annuity payment streams that allows annuity holders to sell some or all of their future payments for immediate cash.
- Lottery Payment Purchase Purchase of lottery winnings paid as periodic payments, enabling lottery winners to receive a lump sum in exchange for their future installment payment rights.
- Life Contingent Structured Settlement Purchase Specialized purchase of life contingent structured settlement payments in which payments continue only for as long as the measuring life (typically the recipient) is alive, exchanged for a lump sum.
- Pre-Settlement Funding Cash advances provided to plaintiffs before their case is settled, with repayment expected from eventual settlement proceeds.
Quantifiable outcome
- 100% satisfaction rate reported by company
- +3 more outcomes
Companies that use Fairfield Funding
Customer profileNamed customers8 records
Segments1 record
Ideal customer profiles4 records
Fairfield Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Fairfield Funding partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- National Association of Settlement Purchasers (NASP)coreAmanda Dobanton, General Counsel of Fairfield Funding, serves on the Board of the National Association of Settlement Purchasers. NASP is the primary industry trade association for structured settlement factoring companies, developing model legislation and best practices.
- National Structured Settlements Trade Association (NSSTA)minorIndustry trade association referenced as a resource for structured settlement information and regulations. Listed as additional resource alongside NASP for industry guidance.
Scale indicators9 records
Recent moves4 records
Expansion highlights4 records
Fairfield Funding competitors and assessment
Company assessmentDirect peers
- Stone Street Capital: Stone Street Capital purchases structured settlements, annuity payments, and lottery winnings as a direct funder. Operates with similar business model to Fairfield, providing lump sums in exchange for future payment rights with nationwide service.
- Cashpoint: Cashpoint provides lump-sum cash for structured settlements, annuities, and lottery payments. Similar-sized competitor to Fairfield with the same direct-purchase business model and nationwide service area.
- DRB Capital: DRB Capital purchases structured settlements, lottery payments, and annuity payments from individuals in exchange for lump sums. Operates with similar direct-funder model and nationwide reach, serving as a direct comparable in the consumer payment-stream factoring space.
- 123LumpSum: 123LumpSum purchases structured settlements and annuity payments nationwide, providing fast cash to payment recipients. Direct comparable in the small-to-mid sized tier of structured settlement purchasers with similar customer acquisition approach.
- Owl Structured Investments: Owl Structured Investments specializes in purchasing future payment streams including structured settlements and annuities. Comparable direct-funder operation with similar court-process expertise and nationwide customer base.
- Peachtree Financial Solutions: Peachtree Financial Solutions is a direct funder of structured settlements and annuities, headquartered in the Atlanta metro area, making it one of the closest direct competitors to Fairfield Funding in terms of size, geography, and business model. Both compete for the same nationwide pool of payment-stream sellers.
- Seneca One Finance: Seneca One Finance provides liquidity solutions including structured settlement and annuity purchasing to individuals across the US. Comparable to Fairfield in its direct purchase model, court-process handling, and target customer base of payment recipients seeking lump-sum cash.
- We Buy Structured Settlements: We Buy Structured Settlements is a direct funder offering cash purchases of structured settlement and annuity payments. Smaller, similar-sized competitor with comparable direct-funder model targeting the same pool of payment-stream holders across the US.
Broad incumbents
- J.G. Wentworth: J.G. Wentworth is the largest and most recognizable structured settlement purchaser in the US, famous for its national TV advertising. Directly comparable to Fairfield Funding in core service offering (purchasing structured settlements, annuities, and lottery payments) but operates at far greater scale with a much broader marketing budget and institutional capital base.
Emerging players
- Novation Settlement Solutions: Novation Settlement Solutions is a smaller, emerging player in the structured settlement purchasing space, offering lump-sum cash for future payment streams. Overlaps with Fairfield's core service offering but operates at smaller scale with less established brand presence.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Fairfield Funding social profiles
Digital presenceFairfield Funding compliance and trust
Trust signalCompliance1 record
Fairfield Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fairfield Funding leadership team
Management profileNumber of profiles
Profiles2 records
Fairfield Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fairfield 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 Fairfield Funding
What does Fairfield Funding do?
Fairfield Funding is a direct funder that purchases future structured settlement, annuity, and lottery periodic payment streams from individual holders in exchange for a lump-sum cash payment, applying discount rates of approximately 6%–29% to determine the offer. The company handles the full transaction lifecycle including quote generation, court petition filing under the Structured Settlement Protection Act, and disbursement of proceeds (often within 5 days after court approval). Complementary offerings include pre-settlement funding for plaintiffs awaiting case resolution and an online calculator for estimating payout values.
Is Fairfield Funding a public or private company?
Fairfield Funding is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fairfield Funding founded?
Fairfield Funding was founded in 2008. It employs 1 to 10 people.
Where is Fairfield Funding based?
Fairfield Funding is headquartered in Atlanta, United States, in the North America region.
How does Fairfield Funding make money?
One revenue line is on record: structured Settlement Purchasing.
Who are Fairfield Funding's main competitors?
Direct peers on record are Stone Street Capital, Cashpoint, DRB Capital, 123LumpSum, Owl Structured Investments, Peachtree Financial Solutions, Seneca One Finance and We Buy Structured Settlements. J.G. Wentworth is listed as a broad incumbent. Novation Settlement Solutions is listed as an emerging player.
Does Fairfield Funding have an API?
No public API is recorded for Fairfield Funding.
What industry is Fairfield Funding in?
Fairfield Funding's product category is Structured Settlement Purchasing. 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.