SBA Disaster Loan A.
Very disappointed as company markets…
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.