Bentzen Financial

What Bentzen Financial does

Bentzen Financial is a privately held, referral-based financial consulting firm headquartered in Franklin, Tennessee, that facilitates structured settlement factoring transactions for individual annuitants. Founded by Rhonda Bentzen, CSSC, the firm operates with a small core team (Founder, a CPA/CSSC Consultant, and a PhD-level Primary Case Manager) and earns revenue on a transaction-fee basis from the discount spread between the present value of future periodic payments and the lump sum paid to annuitants. The firm does not maintain a proprietary technology platform; its competitive differentiation rests on the credentialed expertise of its principals, deep familiarity with IRC §5891 compliance and state transfer laws, and a willingness to advise clients against factoring when it is not in their interest.

The firm's go-to-market is exclusively referral-driven, with clients introduced by structured settlement consultants, attorneys, and brokers — Bentzen Financial does not advertise, prospect, or engage in direct marketing. Distribution is paired with an educational content ecosystem (Learning Center, FAQ, State Laws database, and an active blog covering industry topics from AI scraping risks to the John Oliver exposé) that supports top-of-funnel credibility and reinforces its positioning as an ethical counterweight to predatory factoring operators. The firm advocates for NSSTA legislative initiatives in multiple states and explicitly screens for needs-based government benefit eligibility, child support obligations, and reasonable alternatives before facilitating a transaction.

Commercially, Bentzen Financial serves a single end-customer segment — structured settlement annuitants (typically personal injury claimants) seeking liquidity for medical, housing, debt, education, or other life-event needs. Pricing is transaction-specific with no publicly disclosed rates, and the firm emphasizes consultation and judicial review via partner attorneys over transaction volume. There is no evidence of venture funding, institutional investment, M&A activity, or geographic expansion beyond a domestic U.S. footprint anchored by referrals.

Name

Bentzen Financial

Legal name

Bentzen Financial

Website

https://bentzenfinancial.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Bentzen Financial is a referral-based structured settlement factoring consulting firm in Franklin, TN. It helps individual annuitants convert future settlement payments into lump sums, earning revenue from the transaction spread through a three-person credentialed team.

Ownership category

akta.pro rank

Product category

Structured Settlement Factoring Services

NAICS

Miscellaneous Intermediation (523910)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Structured Settlement Annuities (FSAIACAJ)

Keywords

• Structured settlement factoring
• Annuity payment purchasing
• Settlement recipient services
• Court-approved factoring
• Financial consulting

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales

Revenue model

1. Structured Settlement Factoring Facilitation: Bentzen Financial facilitates structured settlement factoring transactions, earning revenue by purchasing the right to receive future periodic payments from structured settlement annuitants in exchange for a discounted lump sum. They work with attorneys to petition courts for transfer approval and guide clients through the entire process. Their revenue is derived from the discount spread between the present value of future payments and the lump sum they pay to annuitants.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Bentzen Financial is a structured settlement factoring consultancy that facilitates the sale of future periodic settlement payments for a present-value lump sum. The firm guides individual annuitants through the full process, including document preparation, court petition filing, and court-approval steps required under state law and Internal Revenue Code §5891. Services are delivered on a referral basis by a small founder-led team based in Franklin, Tennessee.

Product overview

Bentzen Financial is a referral-based financial consulting firm offering structured settlement factoring services. The core offering is professional consulting to help structured settlement recipients understand their options and facilitate the sale of future payments when needed. The firm provides a comprehensive service that includes initial consultation to assess needs, step-by-step guidance through the factoring process (including disclosure, contract, court petition, and funding), and ongoing client support. Educational resources including an FAQ section, industry myths dispelling content, state law references, and a blog with industry commentary supplement the core consulting service. The firm emphasizes ethical practices, proper judicial review, and protection of vulnerable annuitants.

Differentiator

Problem solved

Functional benefit

Products and services

• Structured Settlement Factoring Services

Quantifiable outcome

• Less than $300 million of the $6.2 billion annual structured settlement market is factored each year, with approximately 7% of structured settlements involving some factoring.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• NSSTA (National Structured Settlement Trade Association)minorOthersBentzen Financial is an advocate for NSSTA's legislative initiatives aimed at protecting structured settlement recipients from predatory factoring practices. They support NSSTA's work in Georgia, Florida, and Texas to ensure greater fairness in the factoring process and stronger PII protections for annuitants. This is an industry association affiliation rather than a formal commercial partnership.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bentzen1305
• Facebookfacebook.com/bentzenfinancial
• LinkedInlinkedin.com/company/bentzen-financial-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

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 Bentzen Financial