Payment Stream Group

  • Trusted by thousands nationwide

Turn Your Future Payments Into Cash Now

On Your Terms

Payment Stream Group is a trusted, direct buyer of structured settlement payments, annuity income, and inheritance receivables. Access your money now with full legal protection and zero upfront costs.

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Learn How It Works

  • 10,000+

    Clients Helped

  • $500M+

    Funds Distributed

  • 45 Days

    Average Process

  • 50 States

    Nationwide

  • Our Services

We Purchase Your Future Payments

Payment Stream Group is a licensed, nationally operating structured settlement factoring company. We convert scheduled future payment streams into immediate lump sum cash — giving our clients financial freedom without the long wait.

Structured Settlement Payments

Periodic payments awarded through personal injury lawsuits, workers' compensation claims, medical malpractice settlements, or wrongful death cases. If your settlement pays out monthly, quarterly, or annually, we can purchase all or part of those future payments.

Inheritance & Estate Receivables

Beneficiaries waiting on structured estate distributions, trust payouts, or inherited annuity payments often wait years to receive funds that are legally theirs. We help inheritance recipients unlock the present-day value of those future payments.

Annuity Income Payments

Payments distributed from a fixed annuity, variable annuity, or insurance-funded annuity contract. Whether your annuity was purchased independently or assigned as part of a legal settlement, Payment Stream Group can provide a competitive cash offer.

Lottery & Prize Winnings

Lottery jackpots and contest prizes paid in installments over 20–30 years can also be sold for a lump sum. We offer competitive pricing for lottery annuity holders who need access to a larger amount of cash today.

  • Why Choose Us

A Direct Buyer With a Genuine Commitment to Your Outcome

In a market filled with brokers, middlemen, and impersonal online forms, Payment Stream Group stands apart. Here’s what sets us apart.

Direct Buyer No Middlemen

We purchase your payments directly. No broker fees, no commission layers, no third-party delays. One company from quote to funding.

Transparent Offer Process

Every component of your offer explained clearly — discount rate, present value calculation, net amount. No surprises at closing.

Full Court-Approval Support

We prepare and file all legal documentation under the Structured Settlement Protection Acts on your behalf at no cost.

Sell All or a Portion

Partial sales let you access cash while preserving future payments. We work around your financial situation, not a template.

Licensed & Compliant

Full compliance with federal and state regulations. Your transaction is handled with the legal rigor it deserves.

Dedicated Advisors

A dedicated advisor who answers honestly, explains clearly, and never pressures you toward a decision.

  • Simple 4-Step Process

From First Call to Funded

Selling your future payment stream is straightforward and legally protected. We handle the complexity you make an informed decision.

  • Request Your Free Quote

    Contact us by phone or online form. Provide basic details about your payment schedule amount, frequency, and duration. We prepare a no-obligation offer within 24 hours.

  • Review & Accept Your Offer

    Your advisor walks you through the offer in plain language what you receive, the discount rate, and why. No pressure, no deadline. Take the time you need.

  • Court Petition & Approval

    We prepare the legal petition and file it on your behalf. A judge reviews to confirm it serves your best interest. This step takes 30 to 45 days.

  • Receive Your Lump Sum

    Following court approval, funds are disbursed directly and securely. The full process first call to funded — typically completes within 45 to 60 days.

Get Your Free Quote

  • Who We Help

Who Sells Their Settlement or Annuity?

Our clients come from every state and every background. They share one need: access to money that is already theirs, sooner than their schedule allows.

“There is no wrong reason to access your own money. We provide the information and guidance you need to make the right decision.”

Structured Settlement Recipients

Facing medical costs, housing needs, debt, or a business opportunity that monthly payments can't address.

Inheritance Beneficiaries

Waiting on estate distributions or trust payouts and need access to funds now, not years from now.

Annuity Holders

Scheduled distributions no longer align with current financial priorities or life circumstances.

Life Transitions

Divorce, relocation, career change, or medical crisis situations needing financial flexibility a fixed schedule can't provide.

  • Client Stories

Trusted Across America

"From the moment I called Payment Stream Group, I felt like I was dealing with professionals who actually cared about my outcome. The process was explained clearly at every step, and my lump sum was funded in just over five weeks. I used the money to pay off my mortgage — it changed my life."

  • Michael T.

    Personal Injury Settlement Holder · Texas

"I inherited annuity payments from my father's estate and had no idea I could sell them for a lump sum. Payment Stream Group walked me through the entire process. No pressure, no confusing jargon just straightforward, honest guidance. I would recommend them without hesitation."

  • Sandra R.

    Inherited Annuity Recipient · Florida

"I only needed to sell a portion of my structured settlement not all of it. Payment Stream Group was the only company that offered me that flexibility without making me feel like I was leaving money on the table. Professional, responsive, and trustworthy."

  • James L.

    Structured Settlement Partial Sale · Ohio

  • FAQ

Frequently Asked Questions

How do I sell my structured settlement payments?

To sell your structured settlement, contact a licensed structured settlement buyer like Payment Stream Group for a free quote. Once you accept an offer, your buyer files a court petition on your behalf. A judge reviews and approves the transaction a legal requirement under the Structured Settlement Protection Acts — and your lump sum is disbursed following approval. The full process typically takes 45 to 60 days.

How much is my structured settlement worth?

The cash value of your structured settlement depends on several factors: the total remaining payment amount, the payment schedule, current market interest rates, and the discount rate applied by the buyer. Because these variables are specific to your contract, the most accurate way to determine your settlement's value is to request a free, no-obligation quote from Payment Stream Group.

Is selling a structured settlement legal?

Yes. Selling structured settlement payments is legal in all 50 states. However, every sale must be reviewed and approved by a court judge, who confirms the transaction is in the seller's best financial interest. This requirement exists under state Structured Settlement Protection Acts. Payment Stream Group manages the entire court process on your behalf.

Can I sell just part of my structured settlement?

Yes. Partial sales are fully available. You may choose to sell a set number of payments, payments within a defined time window, or a percentage of each payment — while retaining the remainder of your stream. Payment Stream Group will structure an offer around the portion you wish to sell.

How long does it take to sell a structured settlement?

Most transactions are completed within 45 to 60 days from the date the court petition is filed. Court scheduling timelines vary by state, but Payment Stream Group works to move the process forward as efficiently as possible. Your advisor will provide a realistic timeline estimate based on your location.

Can I sell inherited annuity or estate payments?

In many cases, yes. Inherited annuities and estate payments can often be sold, though the process and eligibility depend on the type of annuity, your state's laws, and the original contract terms. Contact us to discuss your specific situation.

Are there any fees to get a quote or start the process?

No. Your quote from Payment Stream Group is completely free and carries no obligation. There are no upfront fees at any stage of the process. Our fee structure is incorporated into the discount rate applied to your payment stream — there is nothing out of pocket for you at any point.

What is a discount rate in a structured settlement sale?

The discount rate is the percentage used to calculate the present-day value of your future payments. It accounts for the time value of money and the buyer's cost of capital. A lower discount rate means a more favorable offer for you. Payment Stream Group provides full transparency on the discount rate applied to every offer.

  • It costs nothing to find out what your payments are worth

Take the First Step Toward Financial Freedom

You’ve worked hard to secure the payments you receive. You deserve to access them in a way that works for your life not on a schedule set years ago.

Our advisors are available to answer every question, guide you through your options, and support you every step of the way from your first call to the moment your funds are in your account.

Get My Free Lump Sum Quote
Call Us: (800) 555-1234