Value Capital Funding**Break Free From Costly MCA Debt**Value Capital Funding helps business owners escape expensive Merchant Cash Advance (MCA) debt, restore cash flow, and get back to growing their business. Based in Boca Raton, FL and serving all 50 states, we specialize in attorney‑led MCA debt restructuring and affordable replacement financing. ## What We DoWe reduce the pressure of stacked MCAs, simplify your payments, and help you move into fair, bank-style funding. Our focus is simple: lower payments now and position you for long‑term stability. ## MCA Debt ReliefOur MCA debt relief programs are designed to deliver both immediate and lasting benefits: - **Slash Payments**: Often reduce MCA payments by 50–75% right away. - **Lower Total Payback**: Aim to cut overall balances by 25% or more. - **No Upfront Fees**: We are compensated only when we deliver results. - **Attorney-Led Process**: Professional negotiations and structured agreements. - **Simplified Repayment**: Replace daily debits with weekly or monthly plans you can actually manage. - **Relief From Stress**: Free up cash flow so you can run, protect, and grow your business. ## Affordable Replacement FinancingWhen qualified, we help you transition from MCAs into more sustainable funding: - **Bank & Credit Union Loans**: Term loans and lines of credit through FDIC‑insured institutions. - **Competitive Rates**: Typically in the 8.50%–15.99% APR range, depending on profile. - **Monthly Payments**: Predictable schedules instead of volatile daily drafts. - **Unsecured Options**: In many cases, no hard collateral required. - **Fast Funding**: Many clients receive funding decisions and access to capital in roughly 10–14 business days. ## Why Business Owners Choose Us- **Focused Expertise** in MCA debt restructuring and refinancing. - **Custom Strategies** based on your cash flow, risk, and goals. - **Transparent Process** with clear terms and no hidden fees. - **End‑to‑End Guidance** from first call through final payoff and futu
Value Capital Funding (valuecapitalfunding.com) has 55 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
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Investments & Wealth · Hollywood, Florida
Excellent
Investments & Wealth · Orlando, Florida
Excellent
Investments & Wealth · Ponte Vedra, Florida
Excellent
Investments & Wealth · BOYNTON BEACH, Florida
Excellent
55 approved reviews, newest moderated first
Brian P.
Speed once we got the docs in.
Response from Value Capital FundingJun 19, 2026
Thank you, Brian — we appreciate the feedback and are glad the speed once the docs were in stood out. We look forward to helping again in the future.
Sheldon D.
Complete hands-off exprience.
Response from Value Capital FundingJun 17, 2026
Thank you for your trust and partnership. We’re glad we could deliver a seamless, hands-off experience and keep everything moving efficiently from start to finish. We appreciate the opportunity and look forward to working together again.
Sinclair Capital Group L.
My experience in working with Value Capital Funding has been nothing short of amazing. Barry, Jeff, and Ferne are the absolute pinnacle of professionalism and integrity. Partnering with them has not only been remarkably beneficial to my business, but also has helped me grow personally and professionally.
Response from Value Capital FundingJun 17, 2026
Thank you, Darron, for your incredibly kind words and continued partnership. We truly value the trust you place in Value Capital Funding, and it means a great deal to hear that our team has made a positive impact on both your business and personal growth. We look forward to many more successful collaborations together.
SBA Disaster Loan A.
Very disappointed as company markets itself as direct funder of refi for MCA accounts. However, I found them to be attorneys posing as lenders offering to work out settlement options with client. In short, a broker with a law degree and lenders. A submission package prepared for no reason
Response from Value Capital FundingApr 15, 2026
We appreciate all feedback, though we must respectfully correct several material inaccuracies in this review. Value Capital Funding does not market itself as a direct lender. Our website, all marketing materials, and every client-facing communication clearly identify us as a commercial finance advisory and debt relief firm working with attorney-led restructuring teams and FDIC-insured banking partners — never as a direct funding source. We are also not attorneys, and at no point did anyone on our team represent themselves as such. To address you directly: you did not send in a submission package. You sent an email inquiring about our services with a brief description of your client's situation. Rather than ask you to go through the effort of a full submission, we called you as a courtesy to better understand the details so we could determine the most effective way to help. What came to light on that call was that your client had 10 active MCA positions totaling approximately $2 million in debt and had not made a payment since January. Yet the goal was to secure new capital to pay off that entire balance in full. We take pride in what we do, but no responsible funder — anywhere — would extend unsecured capital under those circumstances, and we were straightforward with you about exactly why. We recommended MCA debt restructuring as the most viable path forward given the situation. You thanked us for our time and indicated you would continue pursuing funding elsewhere. That was entirely your prerogative. That call was a professional courtesy so you wouldn't waste time preparing a submission we already knew could not be approved. Our consulting is something we take seriously. Our assessments may not always be what a client or partner wants to hear, but they are always honest and always aimed at identifying the best and most realistic solution for their specific situation. We wish you and your client the best going forward.
Eric
Incredibly responsive.......I emailed on a Holiday never expecting a response and exchanged 3-4 emails. The very next day they were back to me in the morning and the client I brought to them is already advancing along the process all within 2-days.
Response from Value Capital FundingFeb 19, 2025
Eric, thank you for your wonderful review! We're delighted to hear about your positive experience with our team. At Value Capital Funding, we pride ourselves on our responsiveness and efficiency, even during holidays. Your success and that of your clients is our top priority. We look forward to continuing our partnership and providing exceptional service. Thank you for choosing us as your business debt consultation partner.
Matt S.
Jeff, and his team are great to work with and always do what’s in the client’s best interest!
Response from Value Capital FundingJan 31, 2025
Thank you so much for your kind words! We truly value our client relationships and strive to deliver the best possible service. Your feedback means a lot to our entire team.
Rich R.
Constant, timely communications when questions or concerns arose. Straight forward process Can count on them to be honest and truthful in assessing what can and can't be done. Would highly recommend
Response from Value Capital FundingMay 17, 2024
Thank you so much for your kind words and the great review! We're thrilled to hear that our communication and straightforward process met your expectations. We strive to be clear and honest in all our dealings, and it’s wonderful to know you felt supported throughout. We appreciate your recommendation!
Celso A.
Ferne was wonderful, explained all the details about the program and answered all my extra questions about other related topics. I highly recommend it, very transparent and informative.
Response from Value Capital FundingMay 17, 2024
Thank you very much for the kind words, Celso. We enjoy dealing with you very much, as well. Best of luck ahead!