You Can Now Sell Any Corporate or Federally Backed Pension


You can sell your Pension today and receive a lump sum of cash in return for turning over some of your future pension payments.

What this means is that you are now able to cash in 3 to 10 years of your pension for one lump sum payment! It can take an average of 2 to 4 weeks from start to receiving the funds. Even better, with this program you can get approved for funding even if you’ve been turned down by other funding sources. If you’ve tried to sell your pension payments elsewhere but got turned down, couldn’t qualify for life insurance, or simply gave up because your case was taking too long to fund, we can help!

You are able to cash in your pension and receive a settlement up front, but that does not mean you must sell your entire pension. If you only want to sell a portion of it, say $50,000, that is possible as well. You are able to retain some pension payments as well as sell a portion off for a lump sum cash amount today.

This isn’t a loan, and you won’t be losing control of your pension payments. Our team of experts will help you use your pension payments to secure a lump sum of cash that you can put to use any way you like. While it’s true that there is security in having guaranteed future payments, what good is that future security if you’re going through a hardship today? If having a lump sum of cash today could help you achieve your goals and have the life you want to have, then let our team of experts work with you to determine if this process is right for you.

Basic requirements to sell your pension:

  1.  You must currently be receiving pension payments.
  2.  You must be receiving at least $400/month
  3.  Your total monthly household income must be greater than $3,000/month

Should you sell your pension payments? Is it a good idea?

Whether or not to sell your pension for a lump sum of cash is a decision many pensioners may come across at some point of their life. The need for a large or small lump sum of cash can arise for many reasons. A good business opportunity, an unexpected life event or just simply the peace of mind cash on hand can bring are just a few reasons why people start looking at options to raise a lump sum of cash.

Good news for pensioners is that now they have the option to sell some of their pension payments for a lump sum of cash. When comparing apples to apples, selling your pension payments can be a lot less costly than taking out a personal loan or even worst looking in to payday and hard money loans that in some cases can cost upwards of 300% in interest charges.

What is a pension?

Pensions are income streams from a structured cash flow, in most cases from a retirement account or other pre calculated arrangements. Pensioners can receive their income in form of monthly, biweekly or weekly payments from a pre-set pension pot or for the rest of their lives. There are many types of pensions with payments ranging from just a few dollars to thousands of dollars.

Pensions can come from many sources but most commonly known pensions are:

Military retirement
VA disability
City, State and civil service
Postal service
CalPERS (California Public Employees' Retirement System)
OPM (office of personal management)

How do you sell your pension payments:

Almost all pensions qualify for the pension buyout program. Pensioners can sell a portion of their monthly or weekly payments for a set number of years and receive a lump sum payment in return. The company that is facilitating the pension buyout must take many things in to consideration like money loss of value. The fact that 1 dollar today has more value than that same dollar in 10 years is calculated in the lump sum payout process.

The company must also calculate a profit for the investors who will ultimately be buying the pension. Companies like Bradling are experts in pension purchases and this expertise come from many years of experience. When you sell your pension through Bradling, you are guaranteed the most beneficial lump sum buyout purchase. Bradling will help you sell your pension payments by assisting you throughout the whole process. Our law firm will analyze every legal aspect of the transaction in accordance with your state laws and regulation and this helps us structure a pension buyout that stays within full compliance.

The question many may ask is "how much will I get from selling my pension?". There is no set amount. There are hundreds of options available when it come down to selling your pension depending on the amount of payments and the terms. To qualify, you must be receiving at least $400 per month. You can sell anywhere from $400 per month up to 70% of your net monthly payments. Terms vary from 3 to 10 years. Here is a very small example of current rates that a pensioner can qualify for. Please note that these numbers are subject to change at any time.

$400 sold for 5 years can payout $10,982.22
$1000 sold for 4 years can payout $24,786.71
$2000 sold for 3 years can payout $40,465.18

​$1000 sold for 5 years can payout $28,355.56
$1000 sold for 6 years can payout $34,378.48
$1000 sold for 7 years can payout $37,688.97
$1000 sold for 8 years can payout $40,409.04

As you can see, shorter options are much more beneficial and that is because of the money loss of value over time. 1 dollar is worth more in 4 years than it is in 6, 8 or 10 years.

Every payment can be plugged in to any term with certain limitations:
$400 up to $900 will start off at 5 years and can go up to 10 years. $1000 can start off at 4 years and can go up to 10 years. $2000 and up can start off at 3 years and can go up to 10 years. Considering the examples, you can imagine just how many options can be available in your specific case.

Please note that this is not a loan and you are not selling your entire pension. credit score based program and just not having perfect credit will not disqualify you. In many if not most cases, when you sell you pension through Bradling, we can pay off many or all of your outstanding accounts through our escrow prior to paying out the lump sum. We will demand letters of satisfaction from your creditors showing zero balances and this can substantially help you jump start your credit if that is one of the reasons you have decided to sell your pension in the first place.

You can always simply request a quote and we will reach out to you with the best possible options.

Article by: Alex Ham




While a lump sum pension sale may not be right for everyone, it may be appropriate for some. There are pros and cons for both annuitization and lump sum distributions, and here is a quick outline of some of those considerations. If your credit cards are charging 28%, is it not time to do what makes sense? Or if you have the chance to earn 20% in a business opportunity, why keep the needed funds tied up?