Highland Hill Capital Reviews and Complaints: The Record

At a glance

• BBB rating: A+ (on the Highland Hill Capital profile; BBB Accredited since 7/14/2020)
• Complaints on file: 1 complaint (in the last 3 years on that profile; 0 customer reviews)
• Business started: 2019 (Florida LLC formed 2/15/2019)
• Regulator actions: 0 found (none found in the sources we searched)

Short answer: Highland Hill Capital is a merchant cash advance funder in Pompano Beach, Florida, that takes its deals through ISO brokers. The company behind it is Highland Hill Capital LLC, a Florida company formed in 2019 that is registered in New York as HHC Funding LLC. The BBB gives it an A+ rating and has listed it as accredited since 2020, with 1 complaint in the last three years, a 2025 dispute over a balance and a $4,000 broker fee that the company says it never charged. Highland Hill Capital reviews on Trustpilot show a TrustScore of 1.6 from 23 reviews: most are five-star reviews from 2019 to 2022, and the only review from the last 12 months is one-star. New York's court reporter has published at least one decision in a suit it brought against a business, and search results point to others; we found no regulator action. If the debits no longer fit your revenue, your agreement decides your options.

By the Business Debt Adjusters research desk. Reviewed November 3, 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 3, 2026: Highland Hill Capital's website, New York corporation records, BBB, Trustpilot, Connecticut's registration list, the CFPB complaint database, a California regulator search and New York court listings. We could not complete a federal docket search, open the New York decisions themselves or read Florida's own corporate record, and finding no regulator action is not proof that none exists.

Highland Hill Capital, HHC Funding and the name on your contract

The website at highlandhillcapital.com redirects to highlandhillcap.com, whose footer reads "Highland Hill Capital LLC" and lists an office at 1100 Park Central Boulevard South, Suite 1200, Pompano Beach, Florida, phone (954) 947-8724. Its privacy policy says Highland Hill Capital LLC operates the site, "which provides alternative financing services for U.S. based merchants." Its Trustpilot profile lists a different address, 150 East Palmetto Park Road in Boca Raton.

New York records fill in the legal side. A New York filing shows Highland Hill Capital LLC, a Florida limited liability company formed on 2/15/2019, applying for authority to do business in New York on 9/3/2021 under the fictitious name HHC Funding LLC (DOS ID 6275280). It is listed as active, with C T Corporation System as registered agent. The BBB gives the same 2/15/2019 date as the day the business started and was incorporated. We could not open Florida's own record of the company.

Not every Highland Hill Capital is this company. A separate Highland Hill Capital LLC was organized in New York in August 2019, in Westchester County, with a Yonkers address (DOS ID 5611776). We found nothing linking it to the Florida funder. If your paperwork says HHC, or HHC Funding LLC, it may still be Highland Hill Capital LLC; check the legal name and address on the first page of your agreement. Our older Highland pages cover the same company: the Highland Hill Capital lawsuit page and the Highland Hill Capital settlement page.

What Highland Hill Capital sells

Highland Hill Capital does not publish standard rates, factor rates, funding ranges or minimums. Its site has three pages, and the home page is written mostly for brokers: it offers a "Dedicated ISO Manager," "Attractive Commissions," "Next Day Payout" and a "Volume Bonus," and says the company has "simplified the ISO/funder partnership." What its own pages and responses say:

• Merchant cash advances. The home page promises "Decisions in Hours" and "Same Day Funding." Its terms say applicant information may be shared with other companies involved in "commercial loans having daily repayment features and/or Merchant Cash Advance transactions," and that an application "is for business and not for consumer purposes."
• The agreement. In a December 2025 BBB response, the company said its contract is titled a "Standard Merchant Cash Advance Agreement," that Section 1 sells future receivables to Highland Hill Capital, and that Section 15 says the purchase price "is not a loan and not interest."
• Reconciliation. In the same response the company wrote: "Under Section 4, the merchant has the right to request reconciliations as often as needed so that the daily estimated payments line up with the agreed percentage of actual receivables."
• Brokers. It said its contract states that a broker or independent sales organization "is not an agent of Highland Hill Capital," and that it did not charge or receive a fee the merchant paid a broker.
• Contact. By applying, the terms say, you consent to direct mail, faxes, texts and emails from Highland Hill Capital and its affiliates for account updates, requests for information and notices.

Your contract controls. The first page tells you whether you signed a receivables purchase, which company is the funder, what the purchase price and purchased amount are, and whether there is a guaranty. If a broker charged you its own fee, that fee may be in a separate document.

What the record shows

• BBB rating: A+, on the Highland Hill Capital profile, which lists Highland Hill Capital LLC as an alternate name.
• Accreditation: BBB Accredited since 7/14/2020; the BBB file opened 11/25/2019. The profile shows no alerts or government actions.
• Complaints: 1 in the last three years, filed in November 2025, an order issue marked answered.
• Customer reviews on BBB: none.
• Trustpilot: TrustScore 1.6 from 23 reviews, 87% five-star and 13% one-star; one review was posted in the last 12 months.
• Business started: 2/15/2019, per the BBB and the Florida formation date in New York records.
• State filings: Florida LLC; New York DOS ID 6275280, registered as HHC Funding LLC since 2021.
• Location: 1100 Park Central Boulevard South, Suite 1200, Pompano Beach, FL 33064 (Boca Raton on Trustpilot).

Highland Hill Capital reviews and complaints

BBB complaint. In November 2025 a merchant said it had signed a financing agreement in September 2025 that it believed would save it money, learned the full balance only when it asked, and called the agreement predatory. The merchant alleged an undisclosed fee on each payment and a $4,000 fee charged by a broker, said it stopped paying after a hardship, said it was then threatened with a state marshal being sent to its business, and said it had hired a lawyer and disputed the balance. Highland Hill Capital answered twice. In December 2025 it wrote, "First, this was not a loan," said the deal was a purchase of future receivables under the signed agreement, and said: "There is no hidden fee for each increment deposit as the complaint suggests." It said the merchant chose a separate broker, that it "did not charge, receive, or share in" the broker's fee, that the balance and any settlement offer were based on the agreement and the payment history it had sent the merchant's lawyer, and it said its collections representative had explained that legal remedies could include court action, which it said "was not a threat made in bad faith." The merchant rejected both responses.

Trustpilot reviews. Trustpilot shows a profile claimed since March 2019 and says the company has no recent history of asking for reviews. Of the 23 reviews, 20 are five-star; most are dated November 2019 to April 2022 and many name individual staff and describe good service. The displayed TrustScore is 1.6. Reviews are reported by the people who post them and are not verified.

The one-star reviews. There are three:

• Collections after a missed payment. An August 2026 reviewer says the company contacted third parties about a missed payment and sent agreements with incorrect addresses. No company reply was shown.
• A phone call. A February 2023 reviewer says a caller was disrespectful and kept calling after being asked to stop. No company reply was shown.
• A fee and a consolidation that did not happen. An October 2021 reviewer disputes a $1,004 charge and says a promised consolidation never came. The company replied that the business received $13,000 in funding, that the consolidation was not guaranteed and was declined, and that the fee was agreed to in writing.

The pattern matters more than the score. The BBB complaint and the August 2026 review both describe what happened after payments stopped or ran late: collection contact the merchant objected to and, in the BBB complaint, a disputed balance and fees. Two involve a broker or a promise of better terms later, and in both the company pointed to the signed agreement. Get any promise of a consolidation or lower payment in writing from Highland Hill Capital itself, not only from the broker, and ask the broker in writing what it is charging you.

The regulatory record

Registrations. Connecticut's October 6, 2026 list of registered commercial financing providers and brokers has no entry under Highland Hill Capital or HHC Funding, and we did not find it in a 2023 copy of Virginia's sales-based financing registrant list published by deBanked. We did not check whether either state requires it to register or whether an exemption applies, so we make no statement about its compliance.

Complaints to regulators. The CFPB complaint database returned no complaints under Highland Hill Capital, as a company or in complaint text, as of November 3, 2026; the CFPB mainly handles consumer products, so a business advance would rarely appear there. A California DFPI site search returned nothing about the company.

Enforcement. We found no FTC, state attorney general or state regulator action naming Highland Hill Capital. The BBB profile shows no government action alert.

The court record

New York state court. According to excerpts of a published October 30, 2025 decision (2025 NY Slip Op 34175(U)), Kings County Supreme Court ruled on a motion by Highland Hill Capital, LLC for summary judgment against a bar and billiards business, and the decision discusses whether the transaction was a loan subject to usury law. We could not open the decision, so we do not report its outcome, and one decision may not be the final word in the case. Search results also point to other published New York trial-court decisions in suits brought in Highland Hill Capital's name between 2024 and 2026, which we could not open either.

Federal court. We could not complete a federal docket search for this page: CourtListener, the free index we normally use, required a human verification step on November 3, 2026, and we did not get past it. GovInfo, which publishes selected federal court opinions, had no record naming the company. We did not search other state trial courts or UCC filings, where most merchant cash advance collection suits and liens would appear. If you have been served, our Highland Hill Capital lawsuit page covers response options, and our page on whether MCA companies can sue you explains the process. Allegations are not findings.

Who Highland Hill Capital fits

Highland Hill Capital funds businesses that come to it through ISO brokers, and most of its home page is pitched at those brokers, though it also has an Apply Now link for merchants. It fits a business that can carry daily debits and has read how the agreement treats a missed payment, a reconciliation request and a payoff. Before you sign, ask in writing for the purchase price, the purchased amount, the payment amount and frequency, every fee, the broker's own fee if there is one, and whether there is a personal guaranty, and ask the broker to show you the offer on Highland Hill Capital's own paperwork. The MCA calculator converts a factor rate into a comparable cost; see also factor rate vs. APR, the clauses to read in an MCA agreement and what MCA brokers tell merchants.

If the payments are more than your business can carry

1. Collect every agreement, renewal and settlement you signed with Highland Hill Capital LLC or HHC Funding LLC, with the payment history for each, and find the guaranty, reconciliation, default and venue clauses.
2. Request a reconciliation in writing with bank statements if revenue has dropped; the company told the BBB that Section 4 of its agreement allows one "as often as needed." Our explainer on MCA reconciliation covers what to send.
3. Blocking debits or moving your account can be treated as a default under many agreements; check your contract before acting. See stopping daily MCA payments.
4. Ask for a written breakdown of the balance, as the BBB complainant did, so any dispute is about the same numbers.
5. If you settle, get the payoff amount, the schedule and a written promise to release liens once it is paid. Our Highland Hill Capital settlement page covers what to ask for.
6. If you are weighing bankruptcy, read MCA settlement vs. bankruptcy first.

If you are behind or close to it, see how MCA debt relief works and how Business Debt Adjusters handles a file before you miss a payment.

Highland Hill Capital reviews: common questions

Is HHC Funding the same as Highland Hill Capital?

New York records show Highland Hill Capital LLC, a Florida company formed in 2019, registered to do business in New York under the fictitious name HHC Funding LLC. A separate New York company also called Highland Hill Capital LLC, based in Yonkers, has no link to it that we found.

Does Highland Hill Capital have a BBB rating?

Yes. The Highland Hill Capital profile in Pompano Beach has an A+ rating and has been BBB Accredited since 7/14/2020. It shows 1 complaint in the last three years and no customer reviews.

What do Highland Hill Capital reviews complain about?

A disputed balance, fees including a broker's fee, a promised consolidation that did not happen, and collection contact after missed payments. Trustpilot shows a TrustScore of 1.6 from 23 reviews, 20 of them five-star and mostly from 2019 to 2022.

Has Highland Hill Capital been sued or fined?

We found no fines or regulator actions. It is the plaintiff in a published 2025 Kings County decision in one of its own suits, which discusses usury, and search results point to others. We could not complete a federal docket search.

Is Highland Hill Capital a direct funder or a broker?

It describes itself as a funder that works with ISO brokers, and it told the BBB that a broker on one deal was an independent party, not its agent. The merchant cash advance agreement it describes names Highland Hill Capital as the buyer of your receivables.

What should I do if I can't afford my Highland Hill Capital payments?

Gather your agreements and payment history, check for a guaranty and the reconciliation clause, and request any change in writing with your bank statements. Blocking debits or moving your account can be treated as a default under many agreements; check your contract before acting. Then decide who negotiates.

Sources

• Highland Hill Capital website, including its terms and conditions and privacy policy, read November 3, 2026.
• HHC Funding LLC (Highland Hill Capital LLC), DOS ID 6275280 with its filing history, and Highland Hill Capital LLC, DOS ID 5611776, New York Department of State datasets on data.ny.gov, read November 3, 2026.
• Highland Hill Capital, Better Business Bureau profile, with its complaints, read November 3, 2026.
• Highland Hill Capital reviews, Trustpilot, read November 3, 2026.
• Commercial Financing Providers and Brokers Registered in CT, Connecticut Department of Banking, list as of October 6, 2026.
• All Registered Sales-based Financing Providers in Virginia (As of 3-29-23), deBanked, April 2023.
• Consumer Complaint Database, Consumer Financial Protection Bureau, and California DFPI site search, searched November 3, 2026.
• Highland Hill Capital, LLC v Rip's Venice Sports Bar & Billiards, LLC, 2025 NY Slip Op 34175(U), Supreme Court, Kings County, Index No. 525093/2025.

This article summarizes public records and publicly available information as of November 3, 2026, principally the Better Business Bureau profile for Highland Hill Capital, the company's own website, Trustpilot, New York corporation records, Connecticut's registration list, the CFPB complaint database and New York court listings. Reviews are reported by the people who file them and are not verified. Allegations in lawsuits and complaints are not findings, and court listings may not show every filing or the final outcome. It is not legal advice. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent Highland Hill Capital or HHC Funding.