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 Information may be outdated or incomplete.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
Velocity Capital Group, based in Cedarhurst, New York, offers revenue-based financing up to $2 million with same-day funding (Velocity). The site also mentions reviewing "your business' options with our network", so some deals may be placed with other funders (Velocity). The BBB profile is accredited with an A+ and two complaints (BBB).
Paper Grade: C paper
Velocity lists 3 months of bank statements, at least $20,000 in monthly revenue and a 500+ FICO score (Velocity). Low-credit, revenue-based funding is C paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 7.5 / 10 (reputation rank: tied #16 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since April 17, 2019) with an A+ rating, +0.5 because BBB lists the business as started in February 2018 (8 years) (BBB), and +1 because our searches of regulator sites and news coverage turned up no regulator orders or court judgments against it. There are no complaint deductions for two complaints (BBB complaints). BBB customer reviews average 5/5, but from only 2 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 |
|---|---|
| Product | Revenue-based financing up to $2,000,000 (Velocity) |
| Minimums | $20,000 Monthly revenue, 500+ FICO, 3 months of bank statements (Velocity) |
| Speed | Same-day screening and funding, as advertised (Velocity) |
| BBB | A+, accredited since 4/17/2019; 5/5 from 2 reviews; 2 complaints (BBB) |
What borrowers and reviewers report
Positive themes: the few BBB reviews are positive (BBB reviews).
Negative themes: one BBB complainant alleges they received an "APR based contract" presented as a revenue-based one (BBB complaints). This is one person's allegation, not a finding.
Pros (as reported)
- Large maximum and same-day funding, as advertised (Velocity).
Cons (as reported)
- No published pricing (Velocity).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Contract type: given the complaint above, read whether payments adjust with your revenue (reconciliation) before you sign (BBB complaints).
Who it may suit, and who may want to skip it
May suit: businesses with $20K+ monthly revenue and credit as low as 500 that need fast working capital. May want to skip: businesses that qualify for lower-cost term loans or lines of credit.
What to do next
Been contacted by Velocity Capital Group? 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=velocity-capital-group)
Looking for funding? Tell us what you need, and we'll help you compare Velocity Capital Group with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=velocity-capital-group)
Sources (accessed October 2, 2026)
Velocity Capital Group homepage: velocitycg.com
BBB profile: https://www.bbb.org/us/ny/cedarhurst/profile/financing/velocity-capital-group-llc-0121-179762
BBB customer reviews: https://www.bbb.org/us/ny/cedarhurst/profile/financing/velocity-capital-group-llc-0121-179762/customer-reviews
BBB complaints: https://www.bbb.org/us/ny/cedarhurst/profile/financing/velocity-capital-group-llc-0121-179762/complaints
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.