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 Information may be outdated or incomplete.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
Unique Funding Solutions (UFS), listed by BBB in Valley Stream, New York, offers merchant cash advances and revenue-based financing mainly through broker (ISO) partners. It says its principals have funded thousands of businesses over 10+ years and over $500 million, and that it can work with bad credit and newer businesses (UFS). BBB rates it A+, accredited, with no complaints (BBB).
Paper Grade: D paper
UFS says it "can work with business owners with bad credit history, newer businesses" and offers syndication on larger deals (UFS). It publishes no specific minimums on its homepage. Minimal credit requirements and newer businesses put this at D paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 8.0 / 10 (reputation rank: tied #4 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since July 22, 2019) with an A+ rating, +1 because BBB lists the business as started in March 2016 (10 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 commercial collection and arbitration cases, which we do not score. There are no complaint deductions: BBB shows 0 complaints and no reviews (BBB). With little review data, treat this score as 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 |
|---|---|
| Products | Merchant cash advance; revenue-based financing (UFS) |
| Profile | Works with bad credit and newer businesses (UFS) |
| Company claims | $500M+ funded; 10+ years (UFS) |
| BBB | A+, accredited since 7/22/2019; 0 complaints (BBB) |
What borrowers and reviewers report
- Independent reviews: none that we could read beyond BBB, which shows no complaints or reviews.
Who it may suit, and who may want to skip it
May suit: businesses with weaker credit or a short history that need fast MCA funding. May want to skip: businesses that can qualify for lower-cost loans.
What to do next
Been contacted by Unique Funding 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=unique-funding-solutions)
Looking for funding? Tell us what you need, and we'll help you compare Unique Funding Solutions with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=unique-funding-solutions)
Sources (accessed October 2, 2026)
Unique Funding Solutions homepage: uniquefundingsolutions.com
BBB profile: https://www.bbb.org/us/ny/valley-stream/profile/loans/unique-funding-solutions-llc-0121-183276
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.