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 Information may be outdated or incomplete.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
Vox Funding, based at 100 Park Avenue in New York, offers revenue advances (merchant cash advances), plus invoice factoring through VOX Factoring and term loans and lines of credit through Chedr (Vox FAQ). It says it started in 2018 and has provided more than $1 billion to small businesses (Vox About). BBB rates it A+ and accredited, though its few customer reviews are mostly negative (BBB).
Paper Grade: C paper
Vox says it funds US businesses operating for at least one year with at least $10,000 in monthly revenue, sometimes as little as six months, and uses a soft credit pull (Vox FAQ). A revenue advance for businesses with modest minimums is C paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 7.0 / 10 (reputation rank: tied #31 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since June 23, 2026) with an A+ rating, +0.5 because BBB lists the business as started in August 2020 (6 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-contract cases, which we do not score. Then −0.5 for a BBB customer-review average of 1.8/5 from 5 reviews (BBB reviews). BBB shows 0 complaints (BBB complaints).
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 advance; invoice factoring (VOX Factoring); term loans and LOC (Chedr) (Vox FAQ) |
| Minimums | 1 Year (sometimes 6 months), $10,000/month revenue; soft pull (Vox FAQ) |
| Guarantee | Performance guarantee rather than a personal guarantee, per Vox (Vox FAQ) |
| BBB | A+, accredited since 6/23/2026; 1.8/5 from 5 reviews; 0 complaints (BBB) |
What borrowers and reviewers report
Positive themes: one 5-star BBB reviewer describes attentive service over about four years (BBB reviews).
Negative themes: one-star BBB reviewers allege liens and lawsuits while they were paying, added fees, and trouble getting a payoff letter (BBB reviews).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Payoff and liens: reviewers describe trouble getting payoff letters and liens being filed (BBB reviews). Ask in writing how to get a payoff statement and when liens are released.
Who it may suit, and who may want to skip it
May suit: businesses with a year of history and $10K+ monthly revenue that want a revenue advance or factoring. May want to skip: businesses that can qualify for bank-style loans.
What to do next
Been contacted by Vox 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=vox-funding)
Looking for funding? Tell us what you need, and we'll help you compare Vox Funding with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=vox-funding)
Sources (accessed October 2, 2026)
Vox Funding FAQ: voxfunding.com
Vox Funding About page: voxfunding.com
BBB profile: https://www.bbb.org/us/ny/new-york/profile/commercial-funding-consultants/vox-funding-llc-0121-182527
BBB customer reviews: https://www.bbb.org/us/ny/new-york/profile/commercial-funding-consultants/vox-funding-llc-0121-182527/customer-reviews
BBB complaints: https://www.bbb.org/us/ny/new-york/profile/commercial-funding-consultants/vox-funding-llc-0121-182527/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.