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 Information may be outdated or incomplete.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
Fundomate offers working capital "up to $500,000+" with payback periods of up to 18 months and same-day approval. It also sells financing tools to partners and says it has funded $500 million+ for 6,000+ businesses (Fundomate). Its BBB profile is accredited with an A+ (BBB). In March 2025, a federal court found Fundomate liable to a former employee, including for fraudulent inducement. That case was about employment, not customers (Court judgment).
Paper Grade: TBD
Fundomate publishes no minimum credit score, time in business or revenue on its homepage, so we have not assigned a grade. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 6.0 / 10 (reputation rank: tied #46 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since June 13, 2022) with an A+ rating and +1 because BBB lists the business as started in July 2015 (BBB). There is no clean-record point, and we deduct −1: after a bench trial in Kelley v. Fundomate (C.D. Cal. 2:22-cv-05814), the court found Fundomate liable to a former employee for breach of contract, fraudulent inducement, religious harassment and wage penalties. It awarded damages including punitive damages (Court judgment, March 31, 2025). Because the case did not involve borrowers, we did not apply the larger deduction we use for findings about borrower treatment. BBB shows no complaints and no reviews (BBB). Fundomate's site cites a 4.90 Trustpilot rating, but we did not score it because we could not check Trustpilot directly.
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 |
|---|---|
| Product | Working capital up to $500,000+; up to 18 months; same-day approval (Fundomate) |
| Company claims | $500M+ funded, 6,000+ businesses (Fundomate) |
| BBB | A+, accredited since 6/13/2022; 0 complaints; 0 reviews (BBB) |
| Court record | Kelley v. Fundomate, C.D. Cal. 2:22-cv-05814, judgment after bench trial (employment case) (CaseMine) |
What borrowers and reviewers report
Positive themes: Fundomate's site displays customer testimonials and an "Excellent" Trustpilot widget (Fundomate). We could not verify these independently.
Negative themes: we found no borrower complaints on BBB.
Pros (as reported)
- Longer payback periods (up to 18 months) than many MCA funders (Fundomate).
Cons (as reported)
- No published minimums or pricing.
Who it may suit, and who may want to skip it
May suit: businesses seeking working capital with longer payback periods who can compare total cost carefully. May want to skip: anyone who wants published pricing and eligibility before applying.
What to do next
Been contacted by Fundomate? 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=fundomate)
Looking for funding? Tell us what you need, and we'll help you compare Fundomate with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=fundomate)
Sources (accessed October 2, 2026)
Fundomate homepage: fundomate.com
BBB profile: https://www.bbb.org/us/ca/los-angeles/profile/financial-services/fundomate-1216-716428
Kelley v. Fundomate judgment (C.D. Cal., March 31, 2025): https://www.casemine.com/judgement/us/67f8e68fc8901915df5810b5
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.