About Us

About White Horse Funding

About Us

Why Choose White Horse Funding?

With over 100 years of combined industry experience and best in class underwriting, along with reliable and consistent funding, White Horse endeavors to be the industry leader in funding structured settlement and lottery transfer transactions.

Additionally, since White Horse Funding does not originate transfer transactions, it is not competing for business and is able to protect all information and maintain confidentiality.

Customer Support

Industry best customer service support team

Industry Experience

Management team with over 85 years of experience

History of Success

Cultivate success through innovation and dedication

Transparency

Prioritize open communication and honesty to clients



How We Work

What Makes us Different?

We get asked all the time… What makes White Horse Funding different? And the answer is simple, we focus on doing ONLY what we do best. 

Sourcing

White Horse Funding has quickly become an industry leader by sourcing originators of wholesale, forward purchase agreements and portfolio acquisitions.

Structuring

Receivables are pooled and securitized with asset-backed commercial paper vehicles. Unrated pools of receivables are purchased by private investors.

Underwriting

We underwrite all transactions prior to purchase in order to identify and avoid fraudulent transactions or receivable purchases that may be subject to legal challenge.

Servicing

Our industry best servicing department, which has over 55 years of industry experience, provides an array of services to protect our investors.

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Team Members
Our Software

Proprietary Servicing Platform

You know the old adage, software is only as good as the people behind it? Well, that's why we designed our own. 

Top-tier Servicing Platform​

White Horse Funding leverages cutting-edge, proprietary software enabling them to lead the industry in servicing and customer service.

Real-time updates

Cloud-based application

Multi-tiered security

Who better to design a top-tier software than industry pioneers with decades of experience? And, with White Horse Funding servicing approximately 2,000 seasoned structured settlement transactions at any given time, the evolution of a real-time, cloud-based technology quickly would quickly become inevitable. Today, our easily scalable platform boasts multiple layers of security and provides daily data backups ensuring both record preservation and client satisfaction.

Our Team

Meet Our Experts

Get to know our team of experts who work diligently in providing tailored solutions.
Frederick Love

Frederick Love

President and General Counsel

With over two and a half decades of experience in the structured settlement asset class, Mr. Love uses his expertise to implement and maintain best practices and to ensure compliance with the federal and state guidelines that govern the origination process. Mr. Love has served as General Counsel and held leadership positions at several industry participants and presently serves as President of the National Association of Settlement Purchasers.

Susan E. Melchiori

Susan E. Melchiori

Legal Services Manager

Susan Melchiori is responsible for day-to-day funding of structured settlement & lottery transfers and overseeing underwriting & servicing of structured settlement transactions. Susan has over 20 years of industry experience with Peachtree Settlement Funding and SuttonPark Capital. Susan has successfully managed compliance, underwriting and legal processes and prides herself on identifying opportunities for streamlining and improvement.

Kathy Feltner

Kathy Feltner

Services Manager

Kathy Feltner is a Servicing Manager with over 20 years of experience in handling the marketing, funding, and transaction maintenance of secondary market annuities. Kathy has strong industry business relationships that enable her to not only assist in setting up client record maintenance but also handle difficult customer service issues. Her knowledge of banking, accounting and people development makes her an invaluable asset to the team.

Wanda Velazquez

Wanda Velazquez

Servicing Specialist

Wanda Velazquez is a Financial Services Specialist with over 20 years of experience in the financial services industry, collaborating directly with clients and investors in structured settlements, pre-settlements and life-contingent settlements. Wanda has a proven rack record of using her experience and organizational skills to lead and improve service departments, exemplify positive customer interaction, and improve department efficiencies.

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The Leading Wholesale Aggregator and Servicer of Structured Settlements

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