Short answer
Libertas Funding holds an A plus BBB rating with 0 complaints on file. Before you read anything into that, note the date: it became a BBB accredited business on 9/14/2026, seven days before this page was written. A clean record that is one week old is not the same as a clean record built over a decade, and anyone deciding whether to take funding here should understand the difference.
This page summarizes what the public record shows as of September 21, 2026. Rating, accreditation date, incorporation date and complaint count were read directly from the company's Better Business Bureau profile. No state or federal enforcement action against Libertas Funding could be located.
What the record shows, and the date that qualifies it
BBB rating:
A plus, and a BBB accredited business.
Accredited since:
9/14/2026.
Business started:
9/5/2016, operating from 411 W Putnam Ave, Greenwich, Connecticut.
Years in business:
10.
Complaints:
0 complaints on the Better Business Bureau record.
Customer reviews:
none published on the BBB profile.
Enforcement:
no state or federal action located.
A word on sourcing. Some third-party review sites report a one-star customer rating for this company. We could not find any customer reviews on the BBB profile itself, so we are not repeating that figure as a BBB number. Where a rating appears on this page it comes from the issuing body, not from a site summarising it.
Why a seven-day-old accreditation matters
BBB accreditation is something a business applies and pays for, and must pass a vetting process to obtain. It is not automatic and it is not a neutral registry entry. That is exactly why the date on it is informative.
The company has traded since 9/5/2016, so there are ten years of operating history. The accredited window covering that history is one week. The complaint record a prospective customer is looking at was therefore compiled almost entirely outside the period in which the BBB was actively mediating complaints against this business.
The practical takeaway is not that something is wrong. It is that 0 complaints here carries much less evidential weight than 0 complaints at a business accredited since 2015. Two profiles can show the same headline and mean very different things, and the accreditation date is the field that tells you which one you are looking at.
What Libertas actually does
Libertas Funding provides merchant cash advances to small businesses. The structure is the same as every funder in this market, and the mechanics matter more than the branding.
An advance is a purchase of future receipts rather than a loan. You receive a purchase price, you owe a larger purchased amount, and the gap between them is the whole cost. There is no interest rate anywhere in the document, which is precisely why the product sits outside interest rate regulation. Repayment is taken by ACH on a fixed schedule, typically every business day, and an owner is generally asked to sign a personal performance guaranty.
One important limitation applies to any advance: the debit does not care what kind of month you are having unless you invoke the reconciliation clause, in writing, with whatever documentation the agreement demands.
Confessions of judgment, and why the paperwork is worth reading twice
This is worth understanding for any merchant cash advance, because it is the clause that surprises people most.
A confession of judgment is a contractual term under which a business, and often its owner personally, agrees in advance that judgment may be entered against them without a hearing if the funder declares a default. Where one is enforceable, a funder can move from declaring a breach to holding a judgment very quickly, and a judgment can support bank restraints and levies on receivables.
New York restricted the enforcement of confessions of judgment against out-of-state debtors in 2019, which changed how this tool works in the venue where a great deal of this industry litigates. Enforcement still varies considerably by state.
What the record does not give you is any way to know whether your specific agreement contains one. Check your own paperwork rather than assuming, and check it before there is a problem rather than after.
How to read a clean record like this one
Two limitations cut in opposite directions and both are worth stating.
A zero complaint record and no enforcement action are real. This is not a company with an attorney general consent order, a heavy complaint history, or a pattern of published grievances. Treating it as though it were would be dishonest.
At the same time, none of those measures tell you whether an advance is affordable. Complaint counts measure how a company deals with people who complain. They say nothing about whether a fixed daily debit is survivable against your deposits. A business can be treated courteously all the way into a cash flow crisis, and the paperwork will be enforceable either way.
Frequently asked questions
Is Libertas Funding legitimate?
Its Better Business Bureau profile shows an A plus rating with 0 complaints, and no state or federal enforcement action against Libertas Funding could be located. Note that it became a BBB accredited business on 9/14/2026, so the accredited record is very recent relative to the ten years the company has been trading.
Why does the accreditation date matter?
Accreditation is applied and paid for, and a business must pass vetting to obtain it. The complaint record you see was compiled almost entirely before the BBB was actively mediating complaints against this business, so zero complaints here carries less weight than zero complaints at a company accredited for a decade.
Is a Libertas advance a loan?
No. A merchant cash advance purchases a fixed amount of your future receipts. There is no interest rate in the agreement. The cost is the gap between the purchase price you receive and the purchased amount you owe, repaid by fixed ACH debits, usually every business day, normally with a personal performance guaranty from the owner.
What is a confession of judgment?
It is a clause under which a business, and often the owner personally, agrees in advance that judgment may be entered against them without a hearing if the funder declares a default. New York restricted enforcement against out-of-state debtors in 2019 and enforceability varies by state. Check whether your own agreement contains one.
What should I do if I cannot make the payments?
Establish four things from your own paperwork: the exact entity that holds the agreement, the purchased amount still outstanding, what the reconciliation clause entitles you to request and what documentation it requires, and whether any UCC filing sits against the business. Do not block the debits or move the bank account. Both are typically defined as breach and make the position materially worse.
If the payments are the problem
If a Libertas debit is taking more out of the account than the business reliably produces, the company's rating is not the relevant fact. What matters is the reconciliation language in your own agreement, the balance still outstanding against the purchased amount, and a settlement position the funder has a commercial reason to accept. That conversation goes considerably better while debits are still clearing than after an account starts returning them.
Sources
- Libertas Funding, LLC, BBB Business Profile, BBB Serving Connecticut. Rating, accreditation date, incorporation date and complaint count, read September 21, 2026.
