Short answer
McKenzie Capital LLC holds an A plus rating with the Better Business Bureau and has 2 total complaints on file, both answered. The rating is not the useful part. Both complaints describe the same sequence, a default followed by a judgment followed by enforcement against a bank account, and in one of them the merchant builds their entire objection on a federal statute that does not cover business debt. That mistake is common, it is expensive, and it is the reason this page exists.
This page summarizes what the public record shows as of September 22, 2026. Rating, accreditation date, incorporation date, related businesses, complaint counts and complaint text were read directly from the company's Better Business Bureau profile. No state or federal enforcement action against McKenzie Capital LLC could be located.
What the record shows
BBB rating:
A plus, and a BBB accredited business.
Accredited since:
6/17/2026.
BBB file opened:
11/18/2025.
Business started:
4/20/2010, operating from 3390 Mary St Ste 310, Coconut Grove, Florida.
Years in business:
16.
Type of entity:
Limited Liability Company.
Related business listed:
One Park Financial, LLC.
Complaints:
2 total complaints in the last 3 years, with 2 complaints closed in the last 12 months. Both are recorded as Answered.
Enforcement:
no state or federal action located.
Two dates on that list deserve to be read next to each other. The business started in 2010, which is sixteen years of trading history. The accreditation is dated 6/17/2026, and the BBB file itself was only opened on 11/18/2025.
The practical takeaway is that the A plus and the clean complaint count describe a reporting window measured in months, not in years. That is not a criticism of the company. It is a caution about what the badge can actually tell you, because a prospective customer reading the profile will naturally assume it summarises sixteen years and it does not.
The name on your paperwork may not be McKenzie
The BBB profile lists One Park Financial, LLC as a related business, and names the same individual as owner of both.
This matters for a specific and practical reason. Merchants routinely tell us the company debiting their account is not the company they remember signing with, and in this industry that is usually correct rather than confused. Brokers, funders and servicing entities are frequently different companies, and the one that called you is often not the one that funded you.
If you are trying to work out who actually holds your agreement, the name at the top of the document is the least reliable place to look.
What the two complaints describe
Both complaints are allegations. Both were answered by the company, and neither has been adjudicated. What makes them worth reading is that the company's own responses confirm the underlying structure of the product.
Complaint dated 11/18/2025, billing issues, answered
The merchant alleges abusive collection practices, unclear terms and continued contact after formal cease and desist notices. They state that a default judgment was obtained in November 2023 without proper service, that they never received the lawsuit documents, and that the judgment was later used to freeze a business account.
The company's response states that the business sold its future receivables under a Purchase and Sale of Future Receipts agreement, that payments stopped in April 2022 causing a contractual default, that an outstanding balance of $22,915.82 remains, and that when collection efforts were unsuccessful it initiated legal proceedings and a court granted a garnishment of the account.
Complaint dated 01/09/2026, order issues, answered
The merchant alleges repeated calls in rapid succession from different phone numbers, continuing after requests to stop. The company's response again confirms a Purchase and Sale of Future Receipts agreement, states an outstanding balance of $7,622.18, and says it would review the communications and route future contact through an assigned manager in writing.
What both records show, stripped of the dispute, is the ordinary mechanism of this product. An advance is a purchase of future receipts rather than a loan. Payments stop, the agreement is declared in default, the funder sues, a judgment is entered, and the judgment supports enforcement against the account.
The federal law argument that does not work here
This is the part that costs merchants the most, and it appears verbatim in the January 2026 complaint.
The merchant cites the Fair Debt Collection Practices Act, and specifically the Regulation F presumption that a collector violates the law by placing more than seven calls about a debt within seven days. It is a well drafted objection. It is also, for a business advance, very likely aimed at the wrong statute.
The Federal Trade Commission states the position plainly: the FDCPA covers the collection of debts that are primarily for personal, family, or household purposes, and it does not cover business debts. The definition sits in 15 U.S.C. 1692a(5), which limits the word debt to obligations arising from transactions primarily for personal, family, or household purposes.
An advance taken by a company against its business receipts is commercial. That generally puts it outside the FDCPA altogether, which means the call frequency presumptions, the validation rights and the statutory damages that merchants most often reach for are usually unavailable.
One important limitation runs the other way. This does not mean a collector may do as it likes. State statutes vary, some are drafted more broadly than the federal one, and conduct can still breach other law or the agreement itself. The point is narrower and more useful: if your objection rests entirely on the FDCPA and your debt is commercial, you may be building on nothing, and you will usually find that out at the worst possible moment.
How a judgment turns into a frozen account
The sequence described in the November complaint is not unusual, and understanding it is worth more than any rating.
A funder that declares default can sue. If the merchant does not appear, a default judgment can be entered without the case ever being argued. Once a judgment exists, it supports enforcement tools: garnishing a bank account, levying on receivables, and filing liens.
Service is the step that most often goes wrong from the merchant's point of view. A judgment entered because nobody appeared is still a judgment, and challenging it later means moving to vacate it, which is a formal application with deadlines rather than a phone call.
If you signed a personal guaranty, a personal account is not automatically beyond reach. That is precisely what a guaranty is for.
What to establish from your own paperwork
Whether a judgment already exists.
Search state court records under the business name and your own. Silence is not evidence that nothing was filed.
Which entity actually signed.
Read the first paragraph of the agreement rather than the letterhead, and check the description on the bank statement against it.
Whether a UCC lien is on file.
Check your state's UCC filing system under the business name.
What you personally guaranteed.
Identify which obligations carry your name rather than the company's.
Purchase price against purchased amount.
The gap between the two is the entire cost. There will be no interest rate in the document.
What the reconciliation clause requires.
What you may request if revenue falls, what documentation it demands, and how quickly.
A full payment history, in writing.
In one complaint the company supplied exactly that when it was requested through the BBB.
Frequently asked questions
What is McKenzie Capital's BBB rating?
McKenzie Capital LLC holds an A plus rating and is a BBB accredited business, accredited since 6/17/2026. The BBB file was opened on 11/18/2025 and the business started on 4/20/2010 in Coconut Grove, Florida.
How many complaints does McKenzie Capital have?
The BBB profile records 2 total complaints in the last 3 years, with 2 complaints closed in the last 12 months. Both are recorded as Answered, meaning the company addressed the complaint but the merchant either rejected the response or did not confirm satisfaction.
Is McKenzie Capital related to One Park Financial?
The BBB profile for McKenzie Capital LLC lists One Park Financial, LLC as a related business, and names the same individual as owner. That matters if you are trying to work out which company actually holds your agreement, because the name on the paperwork is frequently not the name that contacted you.
Does the Fair Debt Collection Practices Act protect my business from collection calls?
Usually not. The Federal Trade Commission states that the FDCPA covers the collection of debts that are primarily for personal, family, or household purposes and does not cover business debts. An advance taken by a company against its business receipts is commercial, so the call frequency rules that merchants most often cite generally do not apply to it.
Can McKenzie Capital freeze my bank account?
Not without a judgment. Where a court has entered judgment, a funder can pursue enforcement steps including garnishment of a bank account. One complaint on the profile describes a default judgment entered in November 2023 and an account garnished in 2024, and the company's response confirms that a court granted a garnishment.
What should I do if McKenzie Capital has a judgment against me?
Establish what exists before you negotiate. Search state court records under both the business name and your own, check the UCC filing system for liens, request a full payment history in writing, and read the original agreement for the scope of your personal guaranty. You cannot settle a position you have not identified.
If the payments are the problem
If a McKenzie Capital debit is taking more out of the account than the business reliably produces, the rating on the profile is not the relevant fact. What matters is whether a judgment already exists, what is filed against the business, what you personally guaranteed, and what the balance still outstanding actually is. The complaints on this profile both reached the enforcement stage before anything was resolved, which is the strongest argument available for establishing your position while debits are still clearing rather than after they stop.
Sources
- McKenzie Capital LLC, BBB Business Profile, Better Business Bureau Serving Southeast Florida and the Caribbean. Rating, accreditation date, incorporation date and related business, read September 22, 2026.
- McKenzie Capital LLC, BBB Complaints, Better Business Bureau. Complaint text, dates, statuses and the company's responses, read September 22, 2026.
- Fair Debt Collection Practices Act, full text, Federal Trade Commission. Section 1692a(5) defines debt as an obligation arising from a transaction primarily for personal, family, or household purposes.
