RSL Funding Review
Get more cash for your settlement.
Founded
2010
Key Stat
Claims $7,000+ more than competitors
Type
Settlement Buyer
About RSL Funding
Houston-based factoring company that positions itself as the higher-paying alternative to JG Wentworth. RSL Funding focuses on competitive discount rates and has built its brand around offering more cash per settlement.
Pros
- Competitive discount rates - claims to beat JGW offers
- Direct purchaser (not a broker)
- Strong Houston/Texas presence
- Transparent about their pricing
Cons
- Smaller company - less name recognition
- Regional focus (Houston-based)
- Fewer online reviews than JGW
Is RSL Funding Legit?
RSL Funding is a legitimate, Houston-based buyer that has purchased settlement and annuity payments for over two decades and publicly advertises that it will out-bid competitors' written offers. It is a substantially smaller operation than the national brands, which cuts both ways: more personal handling, less brand infrastructure.
RSL Funding Fees and Discount Rates
RSL competes primarily on price and leans on its advertised commitment to beat legitimate competing offers. That makes RSL a useful second quote even if you start elsewhere: bring a written offer and ask them to top it. As always, effective discount rates in this market run roughly 9% to 18%+, and the written net amount is the number to compare.
How RSL Funding Compares
RSL's beat-the-offer positioning works best when you already hold a competing written quote. Sellers who start with RSL alone lose that leverage - get a national-brand quote first, then invite RSL to beat it.
Frequently Asked Questions
Is RSL Funding a legitimate company?
Yes. RSL Funding is an established participant in the structured settlement secondary market. Every purchase it makes must be approved by a judge under your state's Structured Settlement Protection Act, which is the industry's core consumer protection.
What rates does RSL Funding charge?
RSL Funding does not publish a rate schedule. Offers are priced with a discount rate that typically lands in the industry's 9% to 18%+ effective range depending on your payment schedule. The only way to know your number is to get a written quote - and the best way to improve it is a competing quote.
Should I sell my payments to RSL Funding?
Get their written offer, then compare it against at least one competitor before deciding. A legitimate buyer will state your net payout in writing and give you time to consider it. Our team can provide a competing quote for exactly that comparison.
Don't Settle for One Offer
RSL Funding is one of the licensed buyers operating in this market. Quotes through Sell My Structured Settlement for Cash disclose the exact discount rate in writing and carry a price match guaranty, so you can benchmark any RSL Funding offer directly against ours.
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This review is editorial, based on publicly available information, and is not affiliated with or endorsed by RSL Funding. Trademarks belong to their owners. Rate ranges describe the industry generally; your written quote is the only figure that applies to you.