No loans, no debt
This isn't a loan. You're selling payments you already own, so there's nothing to pay back and no interest.
Free, no-obligation quote
Get cash now for your future settlement payments
Newlight Funding buys structured settlement and annuity payments for a fair lump sum — so you can use your money when you actually need it. No loans, no pressure, just a clear and honest process.
- Safe & secure
- No loans, no debt
- Talk to a real person
How it works
Five simple steps from first call to cash
Most people are surprised how straightforward it is. Here's exactly what to expect — no jargon, no surprises.
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1
Tell us about your payments
Share a few basic details about your settlement or annuity. It takes just a few minutes over the phone.
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2
Review your offer
We explain your options in plain language and give you a clear, no-obligation offer. Take all the time you need.
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3
Sign and set things in motion
If the offer works for you, we handle the paperwork and walk you through every signature.
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4
Court approval (if needed)
Many transfers require a judge's approval to protect you. We prepare everything and keep you informed.
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5
Get your lump sum
Once approved, your funds are sent to you. The money is yours to use however you choose.
Why Newlight
Built to be the calm, honest option
Selling future payments is a big decision. Our job is to make it clear and comfortable — never rushed.
Fast & transparent
Clear answers, honest numbers, and no hidden fees. You'll always know exactly where things stand.
Guidance at every step
A real person walks you through the whole process and answers every question — no call centers, no runaround.
What people use it for
One decision, many possibilities
There's no wrong reason. Here are a few of the things people put their lump sum toward.
In their words
Neighbors we've helped move forward
A few words from people we've recently helped. We'd be glad to connect you with more.
★★★★★
"Newlight helped me access nearly $250,000 from my annuity to pay off our home. They explained every step and never once pressured me."
★★★★★
"I was worried it might be a scam — it wasn't. The team was patient and upfront, and the funds arrived exactly when they said they would."
★★★★★
"After my settlement, I needed cash for medical bills fast. Newlight made a stressful time feel calm and manageable."
Questions & answers
Honest answers to fair questions
Why would I sell my payments?
Life changes. A settlement paid out over 20 years doesn't help much when you need to cover a medical bill, save your home, or start over today. Selling some or all of your future payments gives you access to that money now, when it matters.
How much will I receive?
It depends on the size and timing of your payments. Because a dollar today is worth more than a dollar years from now, the lump sum is less than the total of your future payments. We'll always show you the exact numbers up front so you can decide what's right for you.
How long does it take?
Every case is different, but most transfers take a few weeks to a couple of months — largely depending on court scheduling when approval is required. We'll give you a realistic timeline early on and keep you updated throughout.
What's the catch?
There isn't one. We buy payments you already own for an agreed lump sum. There are no loans, no ongoing fees, and no obligation to move forward. If it's not right for you, you simply walk away — at no cost.
Is this a loan?
No. You're not borrowing money and there's nothing to repay. You're selling a portion of future payments you're already entitled to in exchange for cash now.
Not sure yet? Let's talk it through.
A short, no-pressure phone call is the easiest way to understand your options. We're happy to answer anything — even if you decide not to move forward. Prefer to write? Contact us here.