Selling Lottery Payments How it can Help

Selling an annuity settlement

Selling Structured Settlements

When you win a law suit you will be set up with a structured settlement or annuity. Settlements are not hard to come by, 80 to 92% of cases settle. Typically, these structured settlements offer small payments over a long period of time, taking most of a person’s life to be paid out in full. However, by selling a structured settlement or selling an annuity settlement you can begin receiving payments in as early as 30 days with an immediate annuity. Besides earlier payments, selling your structured settlement has other money saving benefits as well. Depending on your tax bracket, a structured settlement can save you 25 to 35% on interest income on state and federal taxes.

Selling Lottery Payments

Selling lottery payments cam be very beneficial. Instead of waiting an extended period of time to start receiving cash you can begin getting payments almost immediately. The lottery annuity pays you one large immediate payment followed by 29 annual payments, increasing by 5% for each payment.If you win a lottery payment of $50 million dollars you will likely receive an initial payment of $750,000 or more, allowing future annual payments to grow to $3.1 million.

Why Sell Your Payments?

Selling lottery payments can be a little confusing to some people. You might be wondering exactly how it can benefit you to sell your structured settlements. There are many circumstances in which you may need to get settlement money now:

  • Buying a new car
  • Purchasing a home
  • Personal and family medical bills
  • Paying off student loans
  • Paying college tuition or purchasing books for college
  • Paying off credit cards
  • Going on vacation
  • Getting out of debt
  • Starting your own business
  • Investing in your future

If any of these apply to you, don’t let waiting for your lump sum hold you back. Get cash for settlements right away by selling them to specialty finance companies.


Don’t let a slow structured settlement hold you back. Whether you have settlements from lawsuits or you’re looking into selling lottery payments, a finance company will have the answers you are looking for. If it’s time for you to get a lump sum of cash now and you’re tired of waiting, then take control of your settlement and start getting your payments quickly, on your terms.

Tips for Getting Good Rates for Commercial Real Estate Loans

Commercial real estate property refers to property that will be used only for a business. If your company needs a loan to buy a piece of commercial property, your company will need to contact a team of commercial real estate lenders. They will let you know if your company qualifies for a commercial loan. If you are hesitant, consider getting an equity loan on your commercial property.

Use Your Commercial Equity

If you’re asking, “Can you get an equity loan on commercial property?” the answer is “Yes.” You might be seeking a line of credit on commercial property you own to make improvements to your business. Commercial real estate lenders are familiar with the guidelines about equity loans where property is used. They will talk you through the loan process and ensure you understand the terms of the loan.

Loans for a New Business

Perhaps the loan you’re seeking is intended for commercial development finance. Loans for starting a business are considered by a different standard. Whatever your purpose, when you go to a commercial real estate lender, they can explain the terms of equity loans. They’ll let you know the details about repayment.

Find a good commercial realestate mortgage broker

Many predict 2015 will be the US economy’s strongest year in quite some time, even as the global economy slows, according to the National Association of Realtors. It’s an exciting to be in real estate as prices and interest have become favorable to investors. For example, interest rates are predicted to be 3.5% for five year terms and as low as 4.5% for 20 year fixed terms. It’s profitable and with an improving market, can only get better. Commercial real estate loans are a great way finance your projects.

Commercial real estate property is property used solely for business purposes. Such properties include retail centers, apartment buildings, and office complexes. You generally finance these properties through commercial real estate loans, that is through liens on a commercial as opposed to residential property. They are also known as commercial mortgage backed securities (CMBS), and are commercial backed properties as opposed to residential real estate.

However, investors who know the risks of investing in a commercial real estate market that is still somewhat volatile also recognize that securing CMBS’s has become more difficult in recent years. There are some ways to ensure the process is smoother and easier.

Firstly, know what you bring to the table, and make sure everyone involved knows the value you can add to the project and application. This is especially true when you’re looking into refinancing loans. Make sure you have the capital, the expertise and market knowledge to make your application appealing.

This may sound like a no brainer, but do make sure not to misrepresent anything in your application. If the underwriter finds it, it could potentially turn into an issue that could derail your application and get it denied. On the other hand, if you’ve already disclosed potential issues, the underwriter can find work arounds.

Lastly, know your market, and have good market knowledge. Knowing going mortgage rates, the best ways of financing commercial estate, and how to find a good commercial real estate broker are crucial. Local lenders are willing to take risks in their communities as they benefit from good investments directly. Commercial real estate loans do not come easily, so know how you best present your application and apply intelligently.

Commercial real estate banking is strong. By 2017, $1.4 trillion is expected to mature, and a fourth of of that is in CMBS’s. An estimated $1.4 trillion in commercial real estate loans are expected to mature by 2017, and a fourth of that will be in CMBS loans. Financing your commercial real estate adventures requires a little more well worth leg work. Getting commercial real estate loans can be an enormous benefit to your portfolio or business, but as these loans are more difficult to get, it’s imperative you have everything together.

What are some of your financial real estate do’s and dont’s?