Which funding products does this apply to?

Merchant Cash Advance, Working Capital, Term Loan. Each has its own page listing the funders in this directory that offer it and what each one publishes about its terms.

Are the figures here quotes?

No. Every worked example is labelled illustrative and exists to show the arithmetic. What a particular lender charges is on that lender's page, where it publishes it at all.

The Find Me Funders research desk. Some drafting is AI-assisted, and every page that is says so at the top, including whether a person has checked its claims yet.

How do I know a figure here is right?

Where a page carries the green notice, its claims were checked against the sources listed at the end and a reviewer is named. Where it carries the amber one, nobody has verified it yet and you should confirm anything you plan to act on.

Are the examples real deals?

No. Every worked example is labelled illustrative and exists to show the arithmetic. What any particular lender charges is on that lender's page, where it publishes it.

Why do you never say what a typical rate is?

Because we cannot source it. A market average assembled from lenders who do not publish prices is a guess with a decimal point on it. Where a lender publishes a figure, we show that figure and say where it came from.

Is this financial or legal advice?

No. It is general information about how these products work. Outcomes depend on your contract and your state, and a lawyer or accountant licensed where you are is the person to ask about your situation.

Can I reuse this content?

Quote a paragraph with a link back. Do not republish whole articles.

Where to report a business funder or broker

Where to report a funder or broker, and what each channel does

No agency will collect your money back for you. Reports are how patterns become visible, and they take about fifteen minutes.

By Find Me Funders research desk Updated 14 September 2026 1065 words 5 min read

Drafted with AI assistance. Not yet independently checked. Nobody has verified the claims on this page against a source, so treat the figures and legal points as a starting point rather than as settled, and confirm anything you are about to act on. How we check things.

Where do I report a business funding company or broker?

Report to the FTC at reportfraud.ftc.gov, to your state attorney general's consumer protection division, and to the state financial regulator if the company or broker is licensed or registered. The CFPB accepts complaints at consumerfinance.gov/complaint, though its system is oriented to consumer financial products and a purely commercial matter may fit better elsewhere. If money moved, call your bank immediately and file with the FBI's Internet Crime Complaint Center. None of these channels recovers funds directly.

The channels

Federal Trade Commission — reportfraud.ftc.gov.The general intake for deceptive or unfair business practices. The FTC Act's prohibition at 15 U.S.C. §45 is not limited to consumer transactions, so conduct in commercial finance can fall within it. Reports feed a database used by federal and state investigators. You will not get a case worker, and that is not the point of filing.

Your state attorney general.Nearly every AG office has a consumer protection division that accepts complaints from businesses as well as consumers, and many maintain their own enforcement programmes. Search for your state's office directly.

State financial regulator.If the company holds a licence or registration for lending, brokering or commercial financing in your state, its regulator has direct supervisory authority that a general complaint channel does not. Examples of regulator sites include dfs.ny.gov and dfpi.ca.gov. Requirements differ state to state and have expanded in recent years.

Consumer Financial Protection Bureau — consumerfinance.gov/complaint.Built around consumer financial products, so a business-purpose transaction may not fit its categories. It is still the right channel where the same company deals with consumers, or where the issue involves credit reporting or a personal account.

FBI Internet Crime Complaint Center.For wire fraud, business email compromise, and anything involving a redirected payment.

Better Business Bureau.Not a regulator. A complaint there sometimes produces a response from the company, and the public record helps the next owner who searches.

The regulator created by your state's commercial financing law.Several states now register or licence the providers and brokers in this market, and their regulators take complaints directly. Virginia's State Corporation Commission, Connecticut's Department of Banking, Missouri's Division of Finance, the Texas Office of Consumer Credit Commissioner and California's Department of Financial Protection and Innovation all supervise entities in this space. A complaint to the body that holds a firm's registration carries more weight than a general channel, because that body can act on the registration itself.

If a broker asked you for a fee before anything funded, note that several states prohibit exactly that — Florida, Kansas and Georgia each bar advance fees for commercial financing brokerage — and say so explicitly in the complaint, naming the payment, the date and the method.

The filing office.If a UCC financing statement has been filed against your business that you did not authorise, your state's filing office may have a procedure for challenging it, and the rules vary.

What to include

Assemble it once and reuse it. Full legal entity name, trading name, address, phone numbers and email addresses used. Names of individuals. Dates of every contact. The documents — term sheet, agreement, guarantee, wire instructions, screenshots of texts. Amounts and dates of any payment, with wire confirmations or transaction IDs. A short chronology in plain sentences, written without adjectives, is more useful than a long narrative.

If money has already left

Call your bank's fraud line first, before filing anything, because wire recall and ACH return depend on timing. Then file with the FTC and IC3, then the state channels. Do not respond to anyone who contacts you afterwards offering to recover the funds for a fee.

Name everyone, not just the brand

The company on the website is frequently not the company on the contract, and neither is necessarily the company that took your money. Before you file, line up four names from your own documents.

The contracting entity, exactly as it appears on the signature page, including its state of formation if stated.
The trading or brand name used in the emails and on the site, where it differs.
The broker or ISO, which is usually a separate business with its own address.
The individuals, by name, with the phone numbers and email addresses they used.

A complaint naming only the brand can reach none of them. A complaint that names the contracting entity, the broker and the individuals lets a regulator match your report against others, which is the entire mechanism by which these filings do anything.

What happens after you file

Setting expectations here saves a lot of frustration.

Most channels acknowledge receipt and nothing else. You will usually not be assigned an investigator, you will usually not be told whether your report contributed to anything, and there is no deadline by which anyone must respond. A state regulator supervising a registered firm is the most likely to come back to you, sometimes by forwarding the complaint to the firm for a written response.

None of these filings tolls a limitation period, stops a debit, or preserves a legal claim. If you think you have one, the clock on it runs independently of anything you file, which is the argument for talking to a lawyer in parallel rather than afterwards.

The clause that turns up in a settlement

Sometimes a complaint produces an offer to settle, particularly one made to a regulator that holds the firm's registration. Read what the settlement asks of you before you take it.

Three provisions recur. A general release, which ends every claim you have against them, including ones you have not identified yet. A withdrawal provision, requiring you to retract complaints already filed and sometimes to write to the agency confirming the matter is resolved. And a non-disparagement clause, restricting what you may say publicly afterwards.

None of the three is unusual and none is automatically unacceptable. All three are worth pricing rather than skimming. A withdrawal provision in particular asks you to remove the record that produced the offer, which plainly has value to the other side and should therefore have a value in the negotiation. That is a conversation to have with a lawyer before signature, not a formality at the end of one.

What reporting does and does not achieve

It does not get your money back, it does not void a contract, and it does not stop a debit. What it does is create a record. Enforcement actions in this market are usually built on patterns across many complaints, and a business that does not file is invisible to that process.

This is general information rather than legal advice. If you are considering a claim, or you are already in a dispute, a lawyer licensed in your state is the person to advise on what to file and in what order.