Short answer
Zahav Asset Management LLC is a small Cedarhurst, New York merchant cash advance funder, formed in August 2020, that openly markets to the merchants other funders decline: defaulted, over-leveraged businesses, advances stacked as deep as sixth position. If you search for reviews you will find almost nothing, a single one-star review and a single resolved complaint on its BBB file, no Trustpilot page, no Google review corpus.
What the public record holds instead is a docket: we identified at least 17 collection and contract lawsuits filed by Zahav against merchants across New York, Connecticut and Texas between 2021 and 2025, plus a proposed confession of judgment filing and a court proceeding against a merchant's bank. We found no regulatory or enforcement action against Zahav, and its filings are a creditor using legal remedies, not a finding of wrongdoing.
But if you are researching this funder, the docket is the record.
This page summarizes what the public record shows as of August 14, 2026: New York corporate registration data, the BBB business profile, Zahav's own published marketing, and court dockets in three states. One disambiguation up front: this company has no connection to the Philadelphia restaurant of the same name.
The funder of last resort, by design
Zahav does not hide its market. Its own materials describe funding for merchants in serious debt, unique advance solutions for defaulted and over-leveraged merchants, and deals declined by other MCA companies, with same-day funding on signed contracts. Underwriting guidance its representatives have posted for brokers describes taking up to a sixth position, meaning five other advances can already be debiting the account, provided the merchant stays under roughly half leveraged, with minimum monthly deposits around 40,000 dollars and credit scores accepted below 600 at higher-risk pricing.
Understand what sixth-position money is. By the time a business takes a sixth advance, a large share of its deposits is already committed to five other funders. The price of money climbs with each position, and the last position is priced for the likelihood that the merchant fails.
Zahav publishes no factor rates and no advance amounts, so we will not quote any, but sixth-position pricing anywhere in this industry is the most expensive money a business can take, and a funder built for that market is also built for what follows when it goes wrong. Which brings us to the docket.
Seventeen lawsuits, three states
Between May 2021 and 2025, we identified at least 17 lawsuits filed by Zahav Asset Management as plaintiff against merchants and their guarantors: roughly ten in New York State Supreme Court across Kings, Queens and Nassau counties, five in Connecticut Superior Court in Danbury, and two in Harris County, Texas. The defendants read like a cross-section of small business America: a roofing company, a freight carrier, a construction group, a security firm, a restaurant group, a gem dealer, a custom home builder.
Three details in the docket deserve attention. First, a filing indexed as a proposed judgment by confession appears in one New York case, and confession-of-judgment enforcement is also how at least one MCA defense firm describes Zahav's practice on its own Zahav-specific page. A confession of judgment, where your agreement contains one, can convert a default into an enforceable judgment with little or no opportunity to contest it first.
Second, Zahav has used the special proceeding against a merchant's bank, the standard vehicle for freezing and turning over a judgment debtor's account, in Nassau County against Bank of America. Third, the suits routinely name individual owners alongside their companies, which is the signature of personal guarantee enforcement, though we have not reviewed the underlying contracts.
To be precise about what this record is: filings by a creditor pursuing its contracts, allegations rather than findings of misconduct, and at least one entered judgment. It is also, by volume, nearly the entire public footprint of this company.
The reviews that do not exist
Zahav's BBB profile carries an A plus rating, and reporting that honestly matters. It also requires context: Zahav is not BBB accredited, and the rating is BBB's formula applied to a file containing exactly one complaint, resolved, and one customer review, one star. A+ on one data point measures the absence of complaints, not the presence of satisfied customers. There is no Trustpilot page and we located no Google review corpus.
For a funder formed in 2020 that has filed seventeen lawsuits, the near-total absence of customer voice is itself information: the merchants who deal with Zahav mostly show up in court records, not review sites.
The one review on file, from March 2024, alleges the company promised a line of credit and SBA loans, delivered expensive advances instead, and that after paying off, the reviewer received dozens of calls a day from brokers who had their file. That is one person's account and we present it as such.
The single complaint, from December 2023, is narrower and instructive: a merchant who had fully paid off held a written zero-balance and lien-release letter, but reported that when a refinancing lender called Zahav to verbally confirm the payoff, Zahav refused. The complaint closed as resolved within a month.
The names in the paperwork
Corporate details worth checking against your own documents: the legal entity is Zahav Asset Management LLC, a New York LLC formed August 17, 2020, registered in Nassau County at 650 Central Avenue, Suite F, Cedarhurst, with additional offices listed in Bethel, Connecticut and on Wall Street in Manhattan. BBB lists Mike Zahav as president.
One Connecticut case is captioned with a doing-business-as name beginning Central Advance, so if paperwork from a company by that name is in your file, it may be the same funder; search both names in court and UCC records. The BBB complaint record confirms Zahav places UCC liens and issues written releases on payoff.
What to check in your own paperwork
Confession of judgment.
Whether one is in your agreement, and which state's courts it names. This is the single most consequential clause in a Zahav file.
Personal guarantee.
The lawsuits routinely name owners personally. Know whether you signed one and what it covers.
The entity name.
Zahav Asset Management LLC, and any Central Advance styling. Search both in UCC and court records.
Factor rate and total payback in dollars.
Nothing is published, so the contract is the only source. On late-position money, get the total in writing.
Your position count.
If a Zahav advance would be your fourth, fifth or sixth position, the arithmetic of your deposits already answers whether it is sustainable.
On payoff, the zero-balance letter and UCC release.
The one complaint on file is about payoff verification. Get every release in writing.
Frequently asked questions
Is Zahav Asset Management legit?
Zahav Asset Management LLC is a real New York company, formed in August 2020, registered in Cedarhurst, with Mike Zahav listed as president. Its BBB file shows an A plus rating without accreditation, one resolved complaint and one one-star review. It funds merchants other companies decline, including defaulted and heavily stacked businesses. We found no regulatory action against it. Its main public footprint is litigation: at least 17 collection suits filed against merchants across three states since 2021.
Real, yes; the question for a distressed merchant is whether last-position money helps or accelerates the problem.
Why can't I find Zahav reviews anywhere?
Because there are almost none. The BBB file holds one customer review and one complaint, there is no Trustpilot page, and we located no Google review corpus. Zahav reaches merchants through brokers rather than consumer marketing, and its customers are businesses in distress, a population that mostly surfaces in court records rather than on review sites. When review volume is this thin, we weight the primary record instead: corporate filings, the BBB complaint file, and the docket, which is where most of Zahav's public history actually lives.
Is Zahav suing merchants?
Yes, regularly. We identified at least 17 lawsuits filed by Zahav Asset Management as plaintiff between 2021 and 2025 in New York State Supreme Court in Kings, Queens and Nassau counties, Connecticut Superior Court in Danbury, and Harris County, Texas, typically naming both the business and its individual owners. The docket includes a proposed judgment by confession in one case and a special proceeding against a merchant's bank, the standard mechanism for reaching a judgment debtor's accounts. These are creditor filings and allegations, not findings of misconduct against Zahav.
What is a confession of judgment and does Zahav use them?
A confession of judgment is a document, signed at funding, in which you agree in advance that the funder can enter judgment against you on a claimed default, with little or no opportunity to contest it first, and once entered it enables account freezes and liens quickly. A filing indexed as a proposed judgment by confession appears in one of Zahav's New York cases, and debtor-side law firms describe COJ enforcement in connection with Zahav.
Whether your agreement contains one is a fact you can check today: it is a separately signed document in your funding package.
What are Zahav's rates?
Zahav publishes no factor rates and no advance amounts, and we found no citably documented pricing, so we will not quote a number. What is documented is the market position: Zahav's own materials describe funding defaulted and over-leveraged merchants declined elsewhere, and broker-facing guidance describes taking up to a sixth position. Late-position advances are priced for the risk that the merchant fails, which across this industry makes them the most expensive money available.
The only real number is the total dollar payback in the contract in front of you, so get it in writing before signing.
Can a Zahav balance be settled?
Distressed-merchant balances are precisely the ones that get restructured, and a funder that knowingly takes sixth-position risk prices defaults into its model. But the docket shows Zahav moves to litigation, and if your agreement contains a confession of judgment, timing matters enormously: options narrow sharply once a judgment is entered and your bank is served.
If Zahav is among your positions and the debits are failing, send us the agreement and your recent statements now rather than after a freeze, and we will tell you in writing what is realistic, including if we do not think we can help.
If the payments are the problem
A merchant carrying a Zahav advance is, almost by definition, carrying several others ahead of it. That stack, not any single funder, is usually the real problem, and it is also why the order of operations matters: confessions of judgment and bank proceedings reward whoever moves first, and merchants who wait until an account freezes have fewer options than merchants who move while the debits are still clearing.
Send us the full picture, every agreement and your recent statements, and we will tell you in writing what is realistic, including if we do not think we can help.
This article summarizes public records as of August 14, 2026: New York Department of State registration data for Zahav Asset Management LLC of Cedarhurst, New York; the Better Business Bureau business profile, complaint file and customer review; the company's own published marketing and broker-facing materials; and court dockets in New York State Supreme Court, Connecticut Superior Court and Harris County, Texas, identified through public docket services.
Lawsuit references are to filings by and against the parties named, not findings of misconduct, and individual reviews are the statements of their authors. We found no regulatory or enforcement action against Zahav Asset Management. Nothing here is legal advice. Business Debt Adjusters helps business owners restructure merchant cash advance and other business debt; that is our interest in the subject, and readers should verify every figure against the primary sources.
