What we do  

At Rapid Funding, we offer financial solutions to turn future payments into cash you can use when you need it.

If you currently receive payments from an annuity or settlement but need the funds sooner for large expenses, investment opportunities, or any other financial needs—we can help you cut through the red tape and access your assets.

  • Partial innuity purchasing

    Unexpected expenses can hit hard — from medical bills and urgent debt to rent that can’t wait. If you have a structured settlement or annuity, factoring can provide quick access to your funds without the long wait for future payments. Our process is fast, secure, and designed to help you cover immediate financial needs so you can move forward with confidence.

  • lottery purchasing

    Lottery payouts are fixed, but your financial needs aren’t. If you want cash now instead of waiting years, you can sell or restructure your lottery payments and get a payout schedule that fits your life.

  • ENTIRE SETTLEMENT RESTRUCTURE

    Many people set up a structured settlement based on an attorney’s advice, only to realize years later that it no longer fits their life or financial goals. We help you exit your structured settlement entirely and connect you with trusted financial advisors who can guide you toward better-performing investments tailored to your long-term needs.

  • Presettlement funding

    When you are waiting on your case to settle and you need an advance to make it through, we can get you cash with no credit check.

PRESETTLEMENT FUNDING

When you are in the middle of a lawsuit, the legal process can move very slowly. While your attorney works hard to build your case, your regular bills—like rent, groceries, and car payments—don't stop. It is stressful to wait months or even years for a settlement check when you have expenses that need to be paid today.

The other side often uses this delay against you. They know that if money gets tight, you might feel forced to take a low offer just to relieve the pressure. We are here to help you stand your ground. We provide cash advances on pending cases to help you cover your living costs now, so you aren't forced to settle for less than fair value.

This funding gives your attorney the time they need to fight for you. It allows them to pursue the best possible result without you worrying about how to keep the lights on. Our goal is to give you the financial stability you need, so you can afford to wait for the outcome you deserve.

PARTIAL INNUITY PURCHASING

While some situations call for a complete exit, others simply require a targeted adjustment. You may appreciate the stability your annuity provides but find yourself needing a specific lump sum to handle a life event.

In these cases, a full sale isn't necessary. We specialize in structuring partial purchases that extract only the value you need today—keeping your future payments flowing as planned. It is a precise financial strategy that balances today’s demands with tomorrow’s peace of mind, ensuring you never sell more than you have to

ENTIRE SETTLEMENT RESTRUCTURE

An annuity is often created with good intentions — to provide structure, security, or long-term income. But life changes. What once made sense can lose its purpose over time.

For many people, going back to court again and again to ask permission to access their own funds becomes frustrating, expensive, and time-consuming. After years of helping clients through this process, I’ve seen that sometimes it simply makes more sense to move on — to take control, consolidate the entire annuity, and place it into a more flexible, liquid investment that better matches your current goals.

We’ve guided many individuals through this transition successfully, always with respect for the legal process and the protection of annuitants. If you’ve been back to court multiple times and feel your annuity no longer serves you, I’d be happy to discuss how to make your money work for you again.

LOTTERY PURCHASING

Winning the lottery is a dream come true, but waiting decades to get the full amount can feel like a burden. Life moves fast, and a payment plan that stretches out over 20 or 30 years might not match your goals today.

We help winners who are tired of waiting. If you want to turn your future payments into a lump sum of cash you can use right now, I can guide you through the process. This lets you buy a home, start a business, or just enjoy your winnings on your own terms, without the lottery commission deciding your schedule.

  • At Rapid Funding, we take pride in prioritizing your well-being. Our clients are the heartbeat of our business, and we value you. We provide personalized attention and support to every annuitant we work with and understand the value of building lasting connections with our clients.


  • As a small company, we have the advantage of being able to foster meaningful relationships with each of our annuitants. When you work with us, you can expect a personalized experience tailored to your unique financial needs and goals. We take the time to listen, understand, and provide individualized solutions.


  • We believe in open and transparent communication. Our team is dedicated to keeping you informed every step of the way. Whether it's discussing financial options or addressing concerns, we are committed to ensuring that you are well-informed and empowered to make confident financial decisions.


  • Caring goes beyond just the numbers – it's about understanding the human element behind every financial decision. We approach our clients with empathy and genuine care, knowing that each annuitant has their own story. We are here to lend our support and expertise to help you navigate your financial journey.

    
At Rapid Funding, we don't just see numbers; we see people, and we are dedicated to making a positive difference in the lives of our annuitants. Your financial well-being is our top priority, and we are honored to be a part of your financial story.


    When you choose Rapid Funding, you're not just a client – you're part of our extended family.