The table lists the Better Business Bureau grade and accreditation status, the complaint count on file, the reason the BBB gives when it lowers a grade, any regulatory or court action we could locate, and whether confession of judgment use appears in the record, for the merchant cash advance funders, revenue-based lenders, brokers and commercial collectors profiled on this site.
Nothing here is our opinion of a company. The grades are the BBB's and the actions are the regulators' and courts' own.
Click a column heading to sort, or a row to expand the full record. Company names link to the full profile, which carries the source links for every figure in that row.
| Company | BBB grade | Accredited | Complaints on file | Regulatory or court record | Confession of judgment | Checked |
|---|---|---|---|---|---|---|
| Ascentium CapitalLenderKingwood, TexasEquipment finance and loans (Regions Bank) | A+ | Yes, since 2/1/2015 | 11 in 3 years, 2 in 12 months | None located (FTC, CFPB, state AG) | Not applicable (bank lender) | |
| Big Think CapitalBrokerMelville, New YorkFunding marketplace (broker) | A+ | Yes, since 10/22/2019 | 3 in 3 years | None located | Not applicable (broker) | |
| Bitty Advance (Bitty)FunderDania Beach, FloridaSmall revenue-based advances | A | No | BBB reviews average 4.11 of 5 | None located (FTC, CFPB, state AG) | None found in its agreements | |
| Biz2Credit (Itria Ventures)LenderNew York, New YorkSmall business finance platform | A+BBB profile carries a Government Actions alert | No | See BBB complaint file | On recordFTC suit, March 2024, S.D.N.Y.; stipulated order with a 33,000,000 dollar judgment over PPP application marketing | Not recorded | |
| BluevineLenderRedwood City, California (Celtic Bank, Utah, issues the line)Business line of credit and banking | A+ | Yes, since 7/23/2014 | 346 in 3 years, 105 in 12 months | None located (FTC, CFPB, SEC, state AG or regulator) | Not applicable (credit line) | |
| CFG Merchant SolutionsFunderNew York, New YorkMerchant cash advance funder | A+ | Yes, since 4/30/2024 | 14 in 3 years | None located | Not stated in our profile | |
| Credibly (Retail Capital LLC)FunderSouthfield, MichiganWorking capital loans and MCA | A | Not recorded | Not recorded | None located | Personal guarantee and confession of judgment discussed in article | |
| Delta Bridge Funding (Cloudfund)FunderNew YorkMerchant cash advance funder (Yellowstone group) | NRNot recorded in our profileNo BBB profile found under this name (checked 9/24/2026) | Not recorded | Not recorded | On recordNamed in People v Yellowstone Capital, N.Y. County index 450750/2024 (NY Attorney General, filed March 2024); did not join the January 2025 settlement | Not stated in our profile | |
| Everest Business Funding (EBF Holdings)FunderMiami, FloridaRevenue-based financing | A+ | Yes, since 10/30/2025 | See BBB complaint file | None located; no AG suit, consent order or industry bar | Cavalry v EBF Holdings, 2022, merchant's usury claims dismissed | |
| Expansion Capital GroupFunderSioux Falls, South DakotaMerchant cash advance funder | A+ | Yes, since 2015 | 4 in 3 years | On recordCalifornia DFPI consent order, 4/4/2022, unlicensed financing activity | Not stated in our profile | |
| Forward FinancingFunderBoston, MassachusettsRevenue-based financing | A+ | Yes, since 12/3/2013 | See BBB complaint file; answers essentially every complaint | None located (FTC, CFPB, state AG) | No evidence of use; arbitration clause instead | |
| FundboxLenderPlano, TexasBusiness line of credit | A+ | Yes, since 4/29/2014 | 28 in 3 years | None located (FTC, CFPB); California Financing Law licence 60DBO-48774 | Not applicable (credit line) | |
| FundoFunderNorth Miami Beach, FloridaSmall revenue-based advances | B | Yes, since 6/2020 | 96 in 3 years; customer reviews 1.95 of 5 | None located (CFPB, FTC, state AG); Protect Borrowers UCC lien investigation, 6/25/2026 | Not stated in our profile | |
| Greenbox CapitalFunderMiami, FloridaMerchant cash advance funder | A+ | Yes, since 2014 | 2 in 3 years | None located | Not stated in our profile | |
| Headway Capital (Enova)LenderChicago, Illinois (Enova International)Business line of credit (not an MCA) | A+ | Yes, since 2/6/2026 | See BBB complaint file | On recordParent Enova: CFPB order 2023-CFPB-0014 (terminated 9/2/2025) and a 2019 CFPB order; findings concerned Enova's consumer brands, not Headway | Not applicable (credit line) | |
| Idea FinancialLenderMiami, FloridaBusiness lines of credit and term loans | A+ | Yes, since 9/13/2018 | 0 | None located | Not applicable | |
| Kapitus (Strategic Funding Source)FunderArlington, Virginia (New York office)Loans and revenue-based financing | FFailure to respond to 5 of 9 complaints | No | 9 filed | None located | Discussed in article (pre-2019 agreements) | |
| LG FundingFunderBrooklyn, New YorkMerchant cash advance funder | A+ | No | 1 in 3 years | On recordNone against LG itself; 238 New York court filings as plaintiff noted in article; its appellate decision is cited in the NY AG's Yellowstone case | Yes, per agreement terms described in the court record | |
| Libertas FundingFunderGreenwich, ConnecticutMerchant cash advance funder | A+ | Yes, since 9/14/2026 | 0 | None located | Not stated in our profile | |
| Mantis FundingFunderNew York and Boca Raton, Florida (two BBB listings)Merchant cash advance funder | B-Failure to respond to 2 complaints | No | 2 in 3 years | None located | Not stated in our profile | |
| McKenzie CapitalFunderCoconut Grove, FloridaMerchant cash advance funder | A+ | Yes, since 6/17/2026 (file opened 11/18/2025) | 2 in 3 years | None located | Not stated in our profile | |
| National Business CapitalBrokerBohemia, New YorkFunding marketplace (broker) | A+ | Yes, since 6/29/2012 | 1 in 3 years | None located | Not applicable (broker) | |
| National FundingLenderSan Diego, CaliforniaLoans and equipment financing | A+ | Yes, since 2/14/2013 | See BBB complaint file | None located (California DFPI, NY AG, California AG) | Not stated in our profile | |
| Newco Capital Group (MCA Servicing Company)FunderNew YorkMerchant cash advance funder | NRNot recorded in our profileBBB lists BizCap, North Miami, FL (A+, not accredited, file opened 9/2/2026) with Newco Capital Group LLC as an alternate name; identity with Newco Capital Group VI LLC not confirmed | Not recorded | Not recorded | On recordN.Y. County Supreme Court, Commercial Division, index 650008/2024 | Not stated in our profile | |
| Rapid FinanceFunderBethesda, MarylandLoans and revenue-based financing | A+ | Yes, since 2010 | 6 in 3 years | None located (FTC, CFPB, state AG) | Not stated in our profile | |
| Recovery Solutions GroupCollectorMilford, DelawareCommercial collection agency (not a funder) | A+ | Yes, since 3/22/2021 | 12 in 3 years, 3 in 12 months | None located (FTC, CFPB, state AG) | Not applicable (collector) | |
| Reliant FundingFunderSan Diego, California (BBB now publishes only a New Hyde Park, NY profile, alternate name The LCF Group, Inc.)Merchant cash advance funder | C-Failure to respond to 3 complaints (New Hyde Park profile; the San Diego profile with the California licensing note is no longer published) | No | 3 in 3 years, 2 closed in 12 months; customer reviews 1.06 of 5 across 16 in our profile | Not stated in our profile | Personal guarantee and confession of judgment discussed in article | |
| ROK FinancialBrokerGreat River, New YorkFunding marketplace (broker) | A+ | Yes | See BBB complaint file | None located | Not applicable (broker) | |
| SBG FundingLenderNew York, New YorkBusiness loans | A | Yes | 4 in 3 years, all answered | None located | No evidence of use | |
| Select FundingBrokerWestlake Village, CaliforniaSmall business loans (broker/lender) | A+ | No (third-party sites wrongly say yes) | 0 | None located | Not recorded | |
| Shore Funding SolutionsBrokerMelville, New YorkISO/broker | A+ | Yes, since 7/12/2016 | 9 in 3 years (6 about unsolicited calls and texts) | On record2018 California licensing settlement; at least 6 TCPA suits 2017 to 2024; no CFPB or FTC action | Not applicable (broker) | |
| Tucker, Albin and AssociatesCollectorRichardson, TexasCommercial collection agency (not a funder) | A59 complaints filed | No | 59 in 3 years, 19 in 12 months | On recordMinnesota Department of Commerce consent order, 7/14/2015 | Not applicable (collector) | |
| Union First FundingBrokerRichmond, VirginiaLoan-matching and debt-consolidation referral service (not a lender) | B-Failure to respond to 1 complaint | No | 1 in 3 years, unanswered | None located (FTC, CFPB, state AG) | Not applicable | |
| Uplyft CapitalFunderSunny Isles Beach, FloridaMerchant cash advance funder | A+ | Yes, since 8/4/2022 | 1 in 3 years | None located (CFPB, FTC) | Personal guarantee and confession of judgment discussed in article | |
| Vader Mountain CapitalFunderMiami, FloridaMerchant cash advance funder (related to Everest per BBB) | A-37 complaints filed (stated reason for the A minus) | No | 37 filed | None located | Not stated in our profile | |
| Velocity Capital GroupFunderCedarhurst, New YorkMerchant cash advance funder | A+ | Yes, since 4/17/2019 | 3 in 3 years | None located | Not stated in our profile | |
| Vox FundingFunderNew York, New YorkMerchant cash advance funder | A+ | Yes, since 6/23/2026 | 0 | None located | Not stated in our profile | |
| Yellowstone Capital (Fundry)FunderJersey City, New Jersey (BBB; alternate name Fundry)Merchant cash advance funder (barred) | A+BBB profile carries a Government Actions alert | No | 0 on file | On recordNY Attorney General suit, March 2024; January 2025 settlement cancelled 534,000,000 dollars of merchant debt, vacated judgments in 28 counties and barred the companies and two executives from the MCA industry; FTC case 1:20-cv-06023 (S.D.N.Y.) ended in an April 2021 stipulated order and 9.8 million dollar settlement | Yes (judgments vacated under the settlement) | |
| Zahav Asset ManagementFunderCedarhurst, New YorkMerchant cash advance funder (defaulted and declined merchants) | A+ | No | 1 in 3 years, resolved; 1 customer review, one star | On recordNone located; at least 17 collection and contract suits filed by Zahav against merchants 2021 to 2025 (NY, CT, TX) | A proposed confession of judgment filing appears in the docket |
What each column measures, and what it doesn't.
Kapitus F, Reliant Funding C minus, Mantis Funding B minus, Union First Funding B minus, Fundo B and Vader Mountain Capital A minus all carry the same BBB explanation: complaints filed and, in four cases, complaints left unanswered.
Yellowstone Capital and its affiliates, barred from the industry by the January 2025 New York settlement, and Biz2Credit, which carries a 33,000,000 dollar FTC judgment.
Six companies with A plus grades are brokers, a bank or a collection agency rather than funders, and their grades say nothing about the funder your file was placed with.
Everest Business Funding and Vader Mountain Capital are related businesses per the BBB and hold an A plus and an A minus respectively. Libertas Funding and Vox Funding hold A plus grades with accreditations dated 2026, so their complaint files have had months, not years, to accumulate. The aggregate that matters for a merchant is not the grade but what the agreement says about reconciliation, the personal guaranty and any confession of judgment.
Every figure is read from the company's headquarters BBB profile, the BBB complaint file, the company's own published pages, state regulator and attorney general publications, the FTC and CFPB enforcement pages and public court dockets (New York State courts, PACER via CourtListener). Where a company has more than one BBB listing, the headquarters listing is used and the branch is noted in the profile.
No figure on this page comes from a third-party review site, a press release or a company's own badge; the Union First Funding row exists partly because a 2026 press release claimed an A plus standing that the live profile did not show.
Business Debt Adjusters. MCA Funder Accountability Report 2026: BBB Grades, Complaints and Enforcement Records for 39 Funders and Brokers. Updated September 24, 2026. /mca-funder-accountability-report-2026/Free consultation for merchants: BDA reviews the agreement, the debit history and any filings, and tells you what is realistic before you commit to anything.
Schedule a Free Consultation →No. The grade measures complaint handling, time in business and paid accreditation. It says nothing about the factor rate, the daily debit, the reconciliation clause or the personal guaranty. Several A plus funders on this table have court records of confession-of-judgment use.
Our profile of that company was built from regulatory and court records rather than the BBB file, usually because the enforcement record is the story. Those rows are re-verified against the BBB headquarters profile at the next refresh.
Quarterly, oldest rows first, and whenever a regulator or court publishes an action naming a company on the list. Each row shows the date its figures were last read from the sources.
A clause in which a business, and usually its owner, agrees in advance that judgment may be entered against them without notice or a hearing if the funder declares a default. New York courts stopped entering them against out-of-state merchants in August 2019, and several states will not domesticate them.
© 2026 Business Debt Adjusters. All Rights Reserved.
