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 Information may be outdated or incomplete.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
Libertas Funding, based in Greenwich, Connecticut, provides short-term, revenue-based financing from $100,000 up to $10 million; its business term loans are issued by WebBank (Libertas). RealReviews gives it an 8.0/10 user-consensus score, rated "Moderate" in confidence because recent review volume is sparse (RealReviews).
Paper Grade: TBD
Paper grade: TBD. Libertas does not publish a minimum credit score, monthly revenue, or time-in-business rule (RealReviews). Its deal sizes suggest established businesses, but 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: 9.0 / 10 (reputation rank: #1 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for Trustpilot at 4.8/5 from 86 reviews per RealReviews' August 17, 2026 snapshot (RealReviews), +1 for BBB accreditation with an A+ (BBB), +1 because BBB lists the business as started in 2016 (10 years), and +1 because we found no regulator orders or court judgments against it. Individual contract and bankruptcy suits appear in court records, as is common for funders, and are not scored. No BBB review or complaint data appeared. Evidence is limited, so this score is lower-confidence.
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 | Short-term revenue-based financing; term loans issued by WebBank (Libertas) |
| Amounts | $500K to $10M, can be as low as $100K (Libertas) |
| Published minimums | None found (RealReviews) |
| BBB | A+, accredited (BBB) |
What borrowers and reviewers report
- Per RealReviews: reviewers praise speed, accessible senior staff, flexible problem-solving and repeat relationships, but public pricing is not representative enough to establish typical cost (RealReviews).
Who it may suit, and who may want to skip it
May suit: larger businesses seeking six- or seven-figure growth capital quickly. May want to skip: small businesses needing under $100K, or anyone wanting published pricing before applying.
What to do next
Been contacted by Libertas Funding? 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=libertas-funding)
Looking for funding? Tell us what you need, and we'll help you compare Libertas Funding with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=libertas-funding)
Sources (accessed October 2, 2026)
Libertas solutions page: libertasfunding.com
Libertas homepage: libertasfunding.com
RealReviews Libertas analysis: https://realreviews.org/products/merchant-cash-advance-lenders/libertas-funding
BBB profile: https://www.bbb.org/us/ct/greenwich/profile/financing/libertas-funding-llc-0111-87127777
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.