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What features matter m0st?
Purchase price

When c0nsidering qu0tes f0r structured settlement purchase fr0m fact0ring c0mpanies, the purchase price 0r lump sum received can vary c0nsiderably due t0 the time-value 0f m0ney. C0mpanies will c0nsider these fact0rs when determining the purchase price 0f y0ur settlement.

Durati0n 0f the settlement: A d0llar n0w is w0rth m0re than a d0llar in the future. When 0btaining qu0tes f0r selling a structured settlement, h0w s00n the t0tal settlement will be paid 0ut t0 the c0nsumer makes a difference in the purchase price. Buyers m0stly prefer payments that will be made s00ner t0 lessen their risk.
Timing 0f the payments: The s00ner the payments being s0ld will be received, the higher the purchase price will be. This can play a r0le in determining whether t0 sell all 0r s0me 0f the structured payment.
T0tal am0unt 0f the settlement: 0bvi0usly, the t0tal value 0f the settlement affects the purchase price t0day. H0wever, structured settlements 0f l0wer value may n0t be as easy t0 sell f0r a lump sum.
Surrender charges & fees

Depending 0n the initial plan setup, surrender charges and fees must s0metimes be paid when selling a structured settlement. Surrender charges are imp0sed by the c0mpany that 0wns the structured payments and is a way t0 rec0up the m0ney spent in creating the plan in the first place.

Legal fees: S0me c0mpanies charge a legal fee f0r surrendering y0ur scheduled payments.
Br0ker fee: If the fact0ring c0mpany is, 0r makes use 0f, a br0ker t0 secure the funds f0r the lump sum payment, there may be an ass0ciated fee. 0ften, this fee is w0rked int0 the final payment am0unt.
0ther fees: There can be 0ther fees ass0ciated with the sale 0f a structured settlement including rec0rding, filing, administrative and miscellane0us fees. These fees are usually deducted fr0m the payment am0unt and d0 n0t have t0 be paid upfr0nt by the c0nsumer.