* Revenue figures are market-based estimates only and are not guarantees of income. Actual results will vary based on execution, market conditions, and individual effort. This is not financial or investment advice.
How the agent runs it
The CEO orchestrator agent assigns and sequences work across six specialist agents who independently handle deal sourcing, actuarial valuation, plaintiff outreach, court petition drafting, funder matching, and post-close compliance tracking. Every deal moves through a structured pipeline with automated state-change triggers, document generation, and funder bid auctions, requiring no human involvement until a transaction exceeds a dollar threshold or hits a legal anomaly flag. The business earns a spread on each purchased payment stream and a broker fee when matching sellers to institutional funders, with all financial settlements routed through a single escrow account reviewed weekly by the human owner.
Who this is for
The ideal owner has a background in structured finance, insurance, or legal operations and understands the regulatory landscape of factoring and assignment of payment rights. They do not need to be a licensed attorney but must be able to engage a compliance counsel and sign state-required broker disclosures. This suits a former financial services operator or boutique M&A professional who wants a capital-light business where the workflow complexity — not headcount — is the moat.
Market opportunity
The U.S. structured settlement secondary market processes over $1.2 billion in payment-stream transfers annually, dominated by a handful of manual brokerages with no meaningful technology layer. Post-pandemic court backlogs have slowed traditional deal cycles to 90–120 days, creating an opening for an agent-driven operation that can prepare court petition packages in hours rather than weeks. Rising interest rates have increased the discount rate funders demand, paradoxically increasing volume as more plaintiffs seek immediate liquidity from their future payment streams.
Boss agent: VERA (Venture Execution & Routing Agent)
VERA monitors every deal's pipeline stage in real time, routes tasks to the appropriate specialist agent based on deal state and jurisdiction, enforces escalation rules when anomalies are detected, and produces a daily P&L and pipeline health report for the human owner.
- ■ No offer letter is transmitted to a seller until the Valuation Agent and Compliance Agent have both signed off on the deal record within the same 24-hour window
- ■ Any deal where the plaintiff is flagged as a minor, incapacitated adult, or military servicemember is immediately frozen and routed to human review regardless of deal stage
- ■ No single funder may receive more than 40% of monthly deal flow to prevent counterparty concentration risk that could destabilize the business if one funder pauses
The agent team
Human touchpoints
// the only things that still need you
- 👤 Signing state broker license renewal applications and any affidavits requiring a natural person's attestation before a regulatory body
- 👤 Authorizing wire transfers above $150,000 from the escrow account to sellers or funders, requiring two-factor authentication and manual confirmation
- 👤 Reviewing and approving any deal flagged by CLIO as involving a potentially vulnerable plaintiff (minor, disability, military) before the pipeline can proceed
- 👤 Executing the master purchase agreement with each new institutional funder relationship, which requires wet or qualified electronic signature by the business owner as principal
- 👤 Making public statements or issuing responses during a regulatory inquiry, funder dispute, or media event that could constitute an admission or bind the business legally
Tech stack
Monetization
The business earns a 3–6% broker origination fee on each funded deal plus a 150–300 basis-point spread when it purchases payment streams directly before reselling to funders. At steady-state volume of 18–30 closed deals per month at average transaction sizes of $85K, monthly gross revenue reaches six figures with high repeatability.
Key risks
- → State-by-state court approval requirements for structured settlement transfers vary dramatically and can invalidate a deal pipeline built around one jurisdiction's approval cadence
- → Institutional funders periodically tighten discount-rate spreads during credit market stress, compressing the margin the brokerage earns per deal and potentially making queued transactions uneconomical mid-pipeline
Getting started
- 1 Obtain state structured settlement broker licenseResearch the five highest-volume structured settlement states (FL, TX, CA, NY, IL) and retain a compliance attorney to file broker registration in at least two before launch, as operating without licensure creates irreversible legal exposure.
- 2 Establish escrow and funder relationships earlyOpen a dedicated escrow account with a bank experienced in legal settlements and cold-outreach three to five institutional funders (e.g., J.G. Wentworth competitors, family offices) to secure Letters of Interest before the first deal closes, establishing the bid-side of the marketplace.
- 3 Build the deal-intake schema and CRM pipelineDefine the exact data fields the Scout Agent will extract from every seller inquiry — annuity issuer, payment schedule, face value, seller state — and map these to Salesforce pipeline stages so every downstream agent has a clean, structured record to act on.
- 4 Train and test the Valuation Agent on historical compsFeed the Valuation Agent at least 200 historical structured settlement transfer records including discount rates, funder accepted bids, and court outcomes so it can generate market-calibrated present-value offers within a ±4% accuracy band before touching live sellers.
- 5 Run three shadow deals with full human oversightSource three real seller leads and run the entire agent pipeline in parallel with manual human review at every step, comparing agent outputs to what an expert would produce before activating autonomous deal closure, catching edge cases before they become compliance events.
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