Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
CFG Merchant Solutions (CFGMS), headquartered at 32 Old Slip in New York, provides revenue-based financing and small business loans. It says it has provided more than $2.6 billion to over 53,000 businesses and funds in under 24 hours after underwriting (CFGMS, BBB). BBB rates it A+ and accredited, but lists 14 complaints in three years, most about billing and collections (BBB complaints).
Paper Grade: TBD
CFGMS does not publish a minimum credit score or time in business. Its application form starts at $10,000–$25,000 in monthly revenue (CFGMS). Without published minimums, we have not assigned a grade. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 6.5 / 10 (reputation rank: tied #41 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since April 30, 2024) with an A+ rating, +1 because BBB lists the business as started in 2015 (11 years) (BBB), and +1 because our searches of regulator sites and news coverage turned up no regulator orders or court judgments against it; the searches showed only contract and collection cases, which we do not score. Then −1 for recurring complaint themes in 14 BBB complaints over three years, led by billing issues and collection practices (BBB complaints), and −0.5 for a BBB customer-review average of 1/5 from 6 reviews (BBB reviews).
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Products | Revenue-based financing; small business loans (CFGMS) |
| Company claims | $2.6B+ provided; 53,000+ businesses funded (CFGMS) |
| Minimums | Not published |
| BBB | A+, accredited since 4/30/2024; 1/5 from 6 reviews; 14 complaints in 3 years (BBB) |
What borrowers and reviewers report
Negative themes: BBB complainants and reviewers allege poor documentation of balances and collection actions, UCC liens left in place after payoff, and hardship requests being refused (BBB complaints, BBB reviews).
Business responses: BBB shows 13 of 14 complaints as answered (BBB complaints).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Lien release and payoff records: reviewers report trouble getting UCC liens removed (BBB reviews). Get a written payoff letter and lien-release commitment.
Who it may suit, and who may want to skip it
May suit: businesses that want an established revenue-based funder and can keep up with daily or weekly payments. May want to skip: businesses already under cash-flow stress, given reported hardship disputes.
What to do next
Been contacted by CFG Merchant Solutions? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=cfg-merchant-solutions)
Looking for funding? Tell us what you need, and we'll help you compare CFG Merchant Solutions with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=cfg-merchant-solutions)
Sources (accessed October 2, 2026)
CFG Merchant Solutions homepage: cfgms.com
BBB profile: https://www.bbb.org/us/nj/rutherford/profile/financing/cfg-merchant-solutions-llc-0121-87146302
BBB complaints: https://www.bbb.org/us/nj/rutherford/profile/financing/cfg-merchant-solutions-llc-0121-87146302/complaints
BBB customer reviews: https://www.bbb.org/us/nj/rutherford/profile/financing/cfg-merchant-solutions-llc-0121-87146302/customer-reviews
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.