Services Disclaimer


If you have been pre-approved for a Seneca One, LLC (“SenecaOne”) Next Payment Loan® Check it is because, based on the information currently available to SenecaOne, you meet SenecaOne’s basic selection criteria. This offer is subject to confirmation of SenecaOne’s initial information and final approval based on SenecaOne’s full criteria. SenecaOne’s finance and loan programs are subject to borrower qualification, completion of application, verification that borrower is receiving periodic lottery payments, and that those payments are unencumbered and have sufficient collateral based on our underwriting guidelines. Call for more details.  Furthermore, there may be parameters with regard to the amount of collateral required to receive a loan or certain loan amounts as determined on a case-by-case basis. There is no cost or obligation to apply or inquire about our services. Services void where prohibited, and all transactions are subject to state and local laws. Any loan, purchase, or other financial transaction that consumer enters into with SenecaOne or its affiliates may require consumer to grant SenecaOne or its affiliates a right of first refusal in the consumer’s periodic payment. If, and only if, the consumer decides to sell or take a loan against his/her periodic payment, this right of first refusal will require the consumer to offer SenecaOne or its affiliates the chance to match or beat any offer made for the purchase, loan, or other transfer of the consumer’s periodic payment. Certain services may not be available in all jurisdictions. Loans are subject to a default interest rate of the lesser of eighteen percent per annum or the maximum interest rate provided by applicable state law. Consumers may generally receive an advance on a transaction. The timing of advances on assignment transactions may vary.

Seneca One, LLC, Lump Sum Capital, LLC, Freedom First Capital, LLC, Guaranteed Funding, LLC, and Direct Capital, LLC are all wholly owned subsidiaries of SenecaOne Finance, Inc.  Pacific Capital, Parker Financial Services, AmeriStar, and Structured Settlement Processing Group are each trade names of Seneca One, LLC. The mailing address and physical location of each of these entities is 7920 Norfolk Ave, Suite 300, Bethesda, MD 20814.

For CA residents only: SenecaOne is a licensed Finance Lender – Financial Services Division of California Department of Corporations, 1-800-513-1377, License No. 603A173.

SenecaOne is authorized by the State of Maryland to make consumer loans – Lic. Reg. Cert. No 1054.

Structured Settlements

If you have been pre-approved for a SenecaOne advance it is because, based on the information currently available to SenecaOne, you meet SenecaOne’s basic selection criteria. This offer is subject to confirmation of SenecaOne’s initial information and final approval based on SenecaOne’s full criteria. SenecaOne purchase and advance programs are subject to (1) confirmation that consumer is receiving structured settlement payments on a tax free basis paid over a period of time (the “periodic payments”), (2) consumer entering into an agreement to sell, transfer, or assign all or a portion of the periodic payments to SenecaOne pursuant to the applicable state transfer statutes (the “Assignment Agreement”), (3) consumer’s periodic payments are not encumbered in any way, (4) determination by Seneca One that the facts surrounding the consumer’s decision to sell the periodic payments serve as sufficient justification for the transaction contemplated by the Assignment Agreement (the “Transaction”) and that such Transaction would likely be approved by a court of competent jurisdiction, (5) consumer executing and returning to SenecaOne all ancillary documents required by Seneca One to process the transaction, (6) SenecaOne reasonably determines the issuer and owner of the annuity policy under which the periodic payments are made are not in liquidation or receivership, and otherwise have the financial wherewithal to timely make the periodic payments, and (7) SenecaOne’s underwriting guidelines in effect from time to time (collectively, the “Transaction Requirements”). The amount of the advance will vary based on the terms of and circumstances surrounding the Transaction. The SenecaOne Advance Check is not a loan, it is an advance against an assignment transaction. There are no fees or interest charges applicable to such advance. Consumer is only required to repay such advance out of the purchase price paid to such consumer upon the funding of the assignment transaction contemplated in the Assignment Agreement. Upon funding of such transaction, an amount equal to the advance will be deducted from the purchase price and paid to SenecaOne. If the transaction does not fund, for any reason, then consumer shall have no obligation to repay such advance. Consumer will receive a 1099 for any advance not repaid, and consumer should consult with a tax advisor with respect to any tax consequences. Larger advances may be available on larger transactions and for repeat customers. Advances may be paid in increments up until the funding of the Assignment Transaction. Services void where prohibited, and all transactions are subject to state and local laws. Certain services may not be available in some jurisdictions. Call for more details. Final discount rate, amount of transaction, and approval of transaction will be determined on a case-by-case basis. Call 1-800-513-1394 for more details.

Nothing contained on this website is intended to serve as legal, tax, or financial advice.  Independent legal, tax, and financial advice should be sought from lawyers, accountants, and financial experts, as appropriate.

Blog & Knowledge Base Article Content

The content posted in the blog and the knowledge base at is published by Seneca One, LLC. This content is impersonal and does not provide individualized advice or recommendations for any specific structured settlement or lottery prize annuitant. The content is for informational purposes and does not constitute professional advice. You should consult with your own legal, financial and/or tax advisor. The articles and information available on this website, whether created internally or by unaffiliated third parties, are provided by SenecaOne as a convenience, without representation or warranty of any kind including, but not limited to, any express or implied warranty. Although the articles and information made available on this website have been done so by SenecaOne in good faith, SenecaOne does not warrant the correctness thereof. Each visitor should consult multiple sources of information to better ensure the accuracy of all facts with which he/she are concerned.

Reviews Submission Terms & Conditions

By submitting an online review at you are giving your permission for Seneca One, in its sole discretion, to use your comments in marketing materials, including but not limited to website, social media and print.   The reviews featured on this website are moderated and Seneca One reserves the right to display reviews that, in its sole discretion, it deems appropriate.  You further understand and agree that if Seneca One features your review, you will only be identified by your first name, last initial, city and state.  By submitting your review, you further agree to allow Seneca One to contact you either via email or at the address on file regarding your review.