At a glance
BBB rating:
A+ (on the McKenzie Capital LLC profile; BBB Accredited since 6/17/2026)
Complaints on file:
2 complaints (both from the last 12 months, both answered, both about how the company collected)
Connecticut registration:
Provider (commercial financing provider registration CFPR-2442452)
Regulator actions:
0 found (none found in the sources we searched)
Short answer: McKenzie Capital LLC is a small business funder at 3390 Mary Street in Coconut Grove, Florida. Connecticut registers it as a commercial financing provider, and in its own replies to complaints it describes its contracts as a "Purchase and Sale of Future Receipts," which is how a merchant cash advance is set up. McKenzie Capital reviews are thin: the BBB gives it an A+ and shows 2 complaints, both about collection, and Trustpilot has no reviews at all. We found no regulator action. The BBB lists One Park Financial, a broker at the same address, as a related business, so check which company's name is on your agreement.
By the Business Debt Adjusters research desk. Reviewed November 4, 2026. Sources are linked inline and listed below. If you can show us a record that contradicts anything here, call (877) 817-0404 and we will correct it.
This page summarizes the public record as of November 4, 2026: McKenzie Capital's website, its BBB profile and complaints, Trustpilot, Connecticut's registration list, New York corporation records, the CFPB complaint database and federal court records on GovInfo. We could not search Florida's corporation registry, state trial courts or UCC filings, and finding no regulator action is not proof that none exists.
What McKenzie Capital is
McKenzie Capital's website is mckcap.com. The similar-looking mckenziecapital.com showed a domain-parking page when we checked, not a company site. The website gives the address as 3390 Mary Street, Suite 310, Miami, Florida 33133, and the phone number as 800-768-3119. Its contact form names the company as McKenzie Capital LLC.
The official record. Connecticut's list of commercial financing providers and brokers, current as of November 2, 2026, includes McKenzie Capital LLC at 3390 Mary Street, Suite 310, Coconut Grove, under a commercial financing provider registration (CFPR-2442452). Connecticut registers companies that provide the financing as providers and companies that arrange it as brokers. The BBB profile lists McKenzie Capital LLC as a limited liability company at the same address, started and incorporated on 4/20/2010. The BBB does not show the state of incorporation, and we could not open Florida's corporation search to check it. New York's corporation database lists no entity whose name starts with McKenzie Capital.
What it sells. The website describes "small business funding" and working capital in general terms. It does not use the words merchant cash advance, factor rate or APR, and it publishes no prices. The product is clearer in the company's own words on the BBB: in its January 2026 responses to both complaints, McKenzie Capital said the business "sold its future receivables" to it, and one response cites a "Purchase and Sale of Future Receipts" agreement. That is the structure of a merchant cash advance, a purchase of future sales rather than a loan. The website lists these terms and features:
Who qualifies:
at least three months in business, at least $5,000 a month in company revenue and a working business bank account.
Where:
"We work with all US States with the exception of New York and California."
Features it advertises:
a "Seven-day no-cost right of rescission (right to cancel)," "Accelerated delivery discounts," and a statement that it will "Never require or request a Confession of Judgement."
Contact:
the contact form says calls and messages from McKenzie Capital LLC "or its servicing providers" may be made by an auto-dialer or AI agent, including by text and WhatsApp.
We have not seen a McKenzie Capital contract, so we cannot say how the right to cancel or the early-payment discounts work in practice. Ask for both in writing before you sign, and check that the agreement says what the website says.
The One Park Financial connection. The BBB lists One Park Financial, LLC as a related business. Connecticut registers One Park Financial LLC at the same Coconut Grove address as a commercial financing broker (CFBR-2442370). One Park's own FAQ says it does not finance businesses directly and is "partnered with the best funders in the market." Its website does not mention McKenzie Capital. So a business that applied through One Park may find a different name, possibly McKenzie Capital, on the funding agreement and the bank debits. Our One Park Financial review covers that company's own record.
What the record shows
BBB rating:
A+, on the McKenzie Capital LLC profile.
Accreditation:
BBB Accredited since 6/17/2026. The BBB file was opened on 11/18/2025. The profile shows no alerts or government actions.
Complaints:
2 in the last three years, both filed in the last 12 months, both marked answered. One is filed as a billing issue and one as an order issue.
Customer reviews on BBB:
0.
Trustpilot:
an unclaimed profile for mckcap.com with 0 reviews.
Business started:
4/20/2010, per the BBB, which counts 16 years in business.
State filings:
Connecticut commercial financing provider registration CFPR-2442452.
Location:
3390 Mary Street, Suite 310, Coconut Grove (Miami), Florida 33133.
Read the dates side by side. The business started in 2010, but the BBB file was opened in November 2025 and the accreditation dates from June 2026. The A+ and the complaint count cover about a year of reporting, not 16 years.
McKenzie Capital reviews
There are almost none. The BBB profile has no customer reviews, and the Trustpilot profile for mckcap.com is unclaimed and has no reviews. Our web searches turned up no other reviews of this company. Reviews under similar "McKenzie" or "Mackenzie" names on other sites may be about unrelated firms. Reviews of One Park Financial are about the broker, not the funder.
With no reviews to read, the complaint record and the contract are the best guide to how McKenzie Capital deals with merchants.
McKenzie Capital complaints
Both complaints on the BBB complaints page are about how McKenzie Capital collected. The company's answer to the November complaint says the account was in default; its answer to the January complaint says a balance is owed. Complaints are allegations, and the BBB does not decide who is right. In both cases the complainant rejected the company's answer.
November 2025: a default judgment and a garnishment. The complainant alleges abusive collection, unclear terms and excessive cost, and contact that continued after cease-and-desist notices. The complaint says a default judgment was entered in November 2023 without proper service, that the complainant never received the lawsuit papers, and that the judgment was used in 2024 to freeze a business bank account. It also describes texts and payment links in 2025 that mentioned garnishment. McKenzie Capital answered in January 2026. It said the business stopped making payments in April 2022, which put the agreement in default; that $22,915.82 was still owed; that it had started legal proceedings; and that "The Court subsequently granted a garnishment" of the account. In a later reply the complainant said they had received a copy of the final judgment, and alleged pressure to make weekly payments from a personal account. The company said it had emailed a detailed payment history and assigned a manager to the file.
January 2026: repeated calls. The complainant alleges five or more calls or texts in quick succession from different numbers, continuing after a request to stop, and asks that all contact be in writing through management. McKenzie Capital answered that the business had sold its future receivables and had an outstanding balance of $7,622.18. It said its policy requires communications to be professional and lawful, that future contact would be in writing and that a new manager would handle the account.
A note on the federal debt collection law. In rejecting the company's answer, the January complainant relied on the Fair Debt Collection Practices Act and its call-frequency rules. That law defines "debt" as an obligation that is "primarily for personal, family, or household purposes" (15 U.S.C. 1692a(5)), so it usually does not reach a business's funding agreement. State collection laws, the contract itself and other laws may still apply, and the complaint also cited Texas and Florida statutes. If collection contact is the problem, talk to a lawyer about which rules fit your agreement before you build your response on one of them.
The November complaint shows the sequence the company describes in its own words: payments stop, the agreement is in default, the company starts legal proceedings, and a court grants a garnishment. Our page on whether MCA companies can sue you explains that process.
Lawsuits, UCC filings and regulators
Courts. The November 2025 complaint and the company's answer say a default judgment was entered and the company says a court granted a garnishment, but the BBB copy hides the court's name, and we could not find the case. GovInfo, which publishes selected federal court opinions, had no records naming McKenzie Capital as of November 4, 2026. GovInfo covers only a small share of federal cases, and we could not run a full federal docket search or search Florida or other state courts. We cannot give a lawsuit count.
UCC filings. We did not search UCC records. Check your state's UCC filing system under your business name to see what is filed against you.
Registrations. Connecticut lists McKenzie Capital LLC as a registered commercial financing provider as of November 2, 2026.
Complaints to federal regulators. The CFPB complaint database returned no complaints under McKenzie Capital, as a company name or in complaint text. The CFPB mainly handles consumer products, so business funding rarely shows up there.
Enforcement. We found no FTC, state attorney general or state regulator action naming McKenzie Capital, and the BBB profile shows no government action alert.
What to do if you're behind on payments
- Find the agreement and check which company it names as the buyer of your receivables: McKenzie Capital LLC, One Park Financial or another funder.
- Find out whether a judgment already exists. Search court records in the state named in your contract, and in Florida, under both the business name and your own if you signed a personal guarantee.
- Ask in writing for a full payment history and a current balance. In the November complaint the company said it sent one when asked.
- Read the reconciliation clause. Under a purchase of future receipts, you may be able to ask for the payment to be adjusted to your actual revenue. Our explainer on MCA reconciliation covers how that request works.
- Blocking debits or moving your account can be treated as a default under many agreements. Check your contract before you act, and if you have been served, talk to a lawyer before the answer deadline.
Business Debt Adjusters negotiates with funders on behalf of business owners: a reduced lump-sum settlement, or a restructured payment schedule the business can actually carry, usually worked out before a lawsuit or judgment. We are not a law firm. If you are behind with McKenzie Capital or close to it, see how MCA debt relief works and how we handle a file. Our McKenzie Capital lawsuit page and McKenzie Capital settlement page cover those stages.
McKenzie Capital reviews: common questions
Is McKenzie Capital a merchant cash advance company?
Its website only says "small business funding," but in its January 2026 BBB responses the company described its contracts as a "Purchase and Sale of Future Receipts," under which the business sold future receivables. That is how a merchant cash advance is set up. Connecticut registers it as a commercial financing provider.
Is McKenzie Capital legit?
It is a real company with a Connecticut registration. Connecticut lists McKenzie Capital LLC as a commercial financing provider (CFPR-2442452), and the BBB rates it A+ and has listed it as accredited since June 2026. That record is short. It has 2 BBB complaints, both about collection, and no reviews.
What is McKenzie Capital's BBB rating?
A+. The McKenzie Capital LLC profile in Coconut Grove, Florida, shows BBB accreditation since 6/17/2026, a file opened on 11/18/2025, 2 complaints marked answered, and no customer reviews.
Is McKenzie Capital related to One Park Financial?
The BBB lists One Park Financial, LLC as a related business, and both companies are at 3390 Mary Street, Suite 310, Coconut Grove. Connecticut registers One Park as a broker and McKenzie Capital as a provider. One Park says it does not fund businesses directly, so check which name is on your agreement.
Has McKenzie Capital sued businesses?
In one BBB complaint, the company said it started legal proceedings after a merchant defaulted and that a court granted a garnishment of the merchant's account. We could not find that case or run a full court search, so we cannot say how often it sues. We found no regulator actions as of November 4, 2026.
Does McKenzie Capital use confessions of judgment?
Its website says it will "Never require or request a Confession of Judgement." We have not seen a McKenzie Capital contract, so read yours to confirm. A funder can still sue and get a judgment through a regular lawsuit.
Does McKenzie Capital fund businesses in New York or California?
No, according to its website, which says it works with all US states except New York and California.
What should I do if I can't afford my McKenzie Capital payments?
Find out whether a judgment exists, ask in writing for your payment history and balance, and read the reconciliation, guarantee and default clauses. Blocking debits can be treated as a default, so check your contract first, and talk to a lawyer if you have been served. Then decide who negotiates a settlement or a new schedule.
Sources
- McKenzie Capital website, read November 4, 2026.
- McKenzie Capital LLC, Better Business Bureau profile, with its complaints and customer reviews, read November 4, 2026.
- Commercial Financing Providers and Brokers Registered in CT, Connecticut Department of Banking, list as of November 2, 2026.
- McKenzie Capital, Trustpilot, read November 4, 2026.
- One Park Financial FAQ and terms of use, read November 4, 2026.
- New York Department of State corporation data on data.ny.gov, CFPB Consumer Complaint Database and United States Courts opinions on GovInfo, searched November 4, 2026.
- 15 U.S.C. 1692a, definitions section of the Fair Debt Collection Practices Act, Legal Information Institute.
