Short answer
Uplyft Capital is one of the better regarded merchant cash advance funders in this directory. It is BBB accredited with an A plus rating, has a single complaint on file across three years, and its customer reviews are strongly positive. There is no enforcement action and no litigation pattern in its public record. The consistent criticism is not service, it is cost, which is the normal shape of feedback about this product. The page also records two alternate corporate names most borrowers will not have seen: Merchant Cash Cloud and EaglePhillips, LLC.
This page summarizes what the public record shows as of August 13, 2026: the BBB business profile including accreditation date, rating, complaint count, alternate names and corporate details, together with published review commentary.
What the public record actually shows
We check the same sources for every funder on this site, and for Uplyft Capital most of them come back clean. Reporting that honestly is the only way the harder findings elsewhere carry weight.
BBB rating.
A plus, and BBB accredited since August 4, 2022.
Complaints.
One on file over the last three years, resolved.
Reviews.
Strongly positive on the BBB profile, with recent entries praising responsiveness and speed of funding.
Corporate history.
Incorporated August 1, 2012, established locally in Florida December 2016, BBB file opened January 2017. Around 14 years in business.
Size and location.
Roughly 52 employees at 17070 Collins Avenue, Suite 250, Sunny Isles Beach, Florida. Michael B. Massa is listed as manager.
Enforcement.
We found no CFPB or FTC action naming Uplyft Capital, and no pattern of collection litigation comparable to the funders reviewed elsewhere on this site.
The practical takeaway is that if you are choosing between advance funders on conduct and responsiveness, Uplyft Capital compares well. That is a real finding and we are not going to bury it. What a clean complaint record does not tell you is what the money costs.
Three names, and why to search all of them
The BBB profile lists two alternate business names alongside the brand: Merchant Cash Cloud and EaglePhillips, LLC. Uplyft Capital is a limited liability company, and the entity on your agreement may not be the name in your inbox.
What the record does not give you is a single searchable identity. UCC filings, judgments and dockets are recorded against the legal entity. If you check only Uplyft Capital and find nothing, that is not the same as there being nothing. Search Merchant Cash Cloud and EaglePhillips, LLC as well, and check which name appears on your signature page.
The cost question, and why the reviews do not answer it
Across published commentary, the recurring negative about Uplyft Capital is price: reviewers who declined an offer overwhelmingly cite the cost, and those reporting difficulty cite high rates, fees they had not expected, and repayment terms that proved harder than anticipated once the debits started.
One important limitation on any advance funder's review score, and this applies to the whole category rather than to Uplyft Capital specifically: the reviews are written at the wrong moment. A merchant cash advance review is typically posted within days of funding, when what is being rated is the speed of approval, the clarity of the sales process and the attentiveness of the representative. The cost is not experienced until months later, once a slow season arrives and a fixed daily debit keeps clearing. Read a page of five star reviews for almost any advance funder and you will find they praise people and timelines, rarely prices.
That is why we weight complaint records and regulatory findings more heavily than star ratings on this site, and why a strong rating should not be read as evidence that a product is affordable. Both things can be true: a funder can treat you well and the advance can still be the most expensive money in your business.
What to check in your own paperwork
Which entity signed.
Uplyft Capital, Merchant Cash Cloud, or EaglePhillips, LLC.
Structure.
A purchase of future receivables is an advance. A stated interest rate with a maturity date is a loan.
Factor rate and total payback.
Both, in dollars, before signing.
Remittance.
Daily or weekly, the exact amount, and whether it is fixed or a percentage of deposits.
Fees.
Origination, underwriting, ACH and any others, listed and added to the payback figure.
Reconciliation.
Whether a revenue drop lets you request an adjustment, what documentation triggers it, and the response deadline.
Personal guarantee and confession of judgment.
Whether either is in the file.
Frequently asked questions
Is Uplyft Capital legit?
Yes. Uplyft Capital is BBB accredited with an A plus rating, accredited since August 4, 2022, and has a single complaint on its BBB file over the last three years, which was resolved. It operates from 17070 Collins Avenue, Suite 250, Sunny Isles Beach, Florida, employs around 52 people, and has been incorporated since August 2012. Its customer reviews on the BBB skew strongly positive. It is a genuine, well run funder, which is a separate question from whether its product is cheap.
What other names does Uplyft Capital use?
The BBB profile lists two alternate business names: Merchant Cash Cloud and EaglePhillips, LLC. Uplyft Capital is organized as a limited liability company and lists Michael B. Massa as manager. If you are checking UCC filings, judgments or court records for the company that funded you, search all three names, because filings are recorded against the legal entity rather than the brand on your emails.
Is Uplyft Capital expensive?
Cost is the single most consistent theme in negative feedback about Uplyft Capital. Reviewers who declined an offer most often cite the price, and those who report problems cite rates they considered high, fees they had not anticipated, and repayment terms they found difficult once underway. That is characteristic of the merchant cash advance product generally rather than unique to this funder. Ask for the total dollar payback and the exact daily or weekly debit before you sign, and compare that figure against every other offer in dollars.
Why are Uplyft Capital's reviews so positive if the cost is the complaint?
Because they measure different things at different times. Merchant cash advance reviews are usually written within days of funding, when the experience being rated is the speed, the communication and the representative. The cost is not felt until months later, when the debits have been running against a slower season. Read five star reviews of any advance funder carefully and you will notice most of them praise a person or a timeline, not a price. That is worth knowing before you weight a rating heavily.
Is Uplyft Capital a merchant cash advance company?
Yes. Merchant cash advance appears in the products and services listed on its BBB profile, alongside business funding and several other categories. Uplyft Capital describes itself as providing business funding solutions through an all in one working capital funding platform. Whatever the product is called on the marketing page, check whether your agreement is structured as a purchase of future receivables with daily or weekly remittance, because that structure is what determines how the debt behaves.
Can an Uplyft Capital balance be settled?
Often, yes. Merchant cash advance balances are among the most commonly restructured business debts, and a funder with a strong reputation and low complaint volume is frequently more willing to reach a sensible resolution than a merchant expects. Outcomes depend on your agreement, how far behind you are, whether a personal guarantee was signed, and what else you are carrying. Send us the agreement and your recent statements and we will tell you what is realistic in writing before you commit to anything.
If the payments are the problem
A well run funder and an unaffordable advance are not mutually exclusive, and most business owners who reach us are carrying several advances rather than one. If the debits are outrunning the business, the useful first step is establishing exactly what you signed, which entity holds it, and what sits alongside it. Send us the agreement and your recent statements and we will tell you in writing what is realistic, including if we do not think we can help.
