Capitalize Group
Direct MCA funder in New York. No published rates; one court-recorded deal: $250,000 at a 1.50 factor (about 184% APR), weekly payments. Broker-sourced.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses, usually sent by a broker, that need a six-figure advance and can carry a short, expensive weekly payback.
Not for: Anyone wanting published pricing, customer reviews, or a contract without a confession of judgment.
Lender List verdict: Capitalize Group is a New York MCA funder that publishes no rates or terms. Its one public contract priced at a 1.50 factor over 24 weeks (about 184% APR) and was enforced with a confession of judgment.
Capitalize Group at a glance
| Capitalize Group | |
|---|---|
| Lender type | Direct merchant cash advance funder (works with ISO brokers) |
| Founded / HQ | Lender does not publish (domain registered 2021) / New York, NY |
| Amounts | Lender does not publish ($250,000 in one court-recorded deal) |
| Cost | Lender does not publish; 1.50 factor in court records (about 184% APR) |
| Term | About 24 weekly payments in court records |
| Status | Active (October 2026) |
What is Capitalize Group?
Capitalize Group LLC is a Wall Street-based merchant cash advance (MCA) funder that buys a share of a business's future receivables for an upfront sum. It recruits independent sales organizations (ISOs) to send it deals.
How the Capitalize Group merchant cash advance works
Capitalize Group advances cash against future sales and collects a fixed amount through weekly debits.
- Collection: Weekly estimated payments tied to receivables, with a reconciliation right (2024 court-recorded contract).
- Channel: Deals come through brokers; there is no online application.
Capitalize Group rates and fees
Capitalize Group posts no factor rates, holdback, fees or terms. In a September 2024 deal reviewed by New York courts, it paid $250,000 for $375,000 of receivables (a 1.50 factor) collected at $15,625 a week, the top of NerdWallet's typical 1.1 to 1.5 range.
Worked example: $50,000 × 1.50 = $75,000 payback ($25,000 cost), collected at $3,125 a week for 24 weeks, is about 184% APR.
Capitalize Group requirements
Capitalize Group publishes no minimum credit score, revenue or time in business.
| Requirement | Capitalize Group minimum |
|---|---|
| Personal credit score | Lender does not publish |
| Time in business / revenue | Lender does not publish |
| Personal guarantee | Yes, in the court-recorded contract |
Merchant cash advance rules that protect you
Capitalize Group was on Virginia's sales-based financing registry as of June 27, 2024, and Virginia requires registrants to report judgments. It enforced a confession of judgment in Westchester County in July 2025 and publishes no stacking policy.
Compare other merchant cash advance providers such as Forward Financing.
Frequently asked questions about Capitalize Group
Is Capitalize Group Legit? Yes, it is a real funder with little public track record. Virginia listed Capitalize Group LLC as a sales-based financing provider in June 2024. A merchant accused it of usury and fraud in 2025; New York courts ruled on procedure, not the merits. It had 0 Trustpilot reviews in October 2026.
Is Capitalize Group a Direct Lender or a Broker? It is a direct funder. Capitalize Group recruits ISO brokers to submit deals, never says it is not a lender, and is the party that bought the receivables in its own contract. Ask any broker presenting its offer what commission is included.
What Happens If My Sales Drop? You can request a reconciliation. In the court-reviewed contract, weekly payments were estimates tied to receivables and the merchant could ask for an adjustment. Get that clause in writing and send bank statements promptly, since missed payments can trigger the guarantee and confession.
Does Capitalize Group Use Confessions of Judgment? Yes. Its September 2024 contract included a signed confession for $375,000, less payments, plus 9% interest and 25% legal fees. Capitalize Group filed it after a default and won a $229,489.28 judgment in Westchester County in July 2025, backed by the owner's personal guaranty.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses, usually sent by a broker, that need a six-figure advance and can carry a short, expensive weekly payback.
Not for: Anyone wanting published pricing, customer reviews, or a contract without a confession of judgment.
Lender List verdict: Capitalize Group is a New York MCA funder that publishes no rates or terms. Its one public contract priced at a 1.50 factor over 24 weeks (about 184% APR) and was enforced with a confession of judgment.
Capitalize Group at a glance
| Capitalize Group | |
|---|---|
| Lender type | Direct merchant cash advance funder (works with ISO brokers) |
| Founded / HQ | Lender does not publish (domain registered 2021) / New York, NY |
| Amounts | Lender does not publish ($250,000 in one court-recorded deal) |
| Cost | Lender does not publish; 1.50 factor in court records (about 184% APR) |
| Term | About 24 weekly payments in court records |
| Status | Active (October 2026) |
What is Capitalize Group?
Capitalize Group LLC is a Wall Street-based merchant cash advance (MCA) funder that buys a share of a business's future receivables for an upfront sum. It recruits independent sales organizations (ISOs) to send it deals.
How the Capitalize Group merchant cash advance works
Capitalize Group advances cash against future sales and collects a fixed amount through weekly debits.
- Collection: Weekly estimated payments tied to receivables, with a reconciliation right (2024 court-recorded contract).
- Channel: Deals come through brokers; there is no online application.
Capitalize Group rates and fees
Capitalize Group posts no factor rates, holdback, fees or terms. In a September 2024 deal reviewed by New York courts, it paid $250,000 for $375,000 of receivables (a 1.50 factor) collected at $15,625 a week, the top of NerdWallet's typical 1.1 to 1.5 range.
Worked example: $50,000 × 1.50 = $75,000 payback ($25,000 cost), collected at $3,125 a week for 24 weeks, is about 184% APR.
Capitalize Group requirements
Capitalize Group publishes no minimum credit score, revenue or time in business.
| Requirement | Capitalize Group minimum |
|---|---|
| Personal credit score | Lender does not publish |
| Time in business / revenue | Lender does not publish |
| Personal guarantee | Yes, in the court-recorded contract |
Merchant cash advance rules that protect you
Capitalize Group was on Virginia's sales-based financing registry as of June 27, 2024, and Virginia requires registrants to report judgments. It enforced a confession of judgment in Westchester County in July 2025 and publishes no stacking policy.
Compare other merchant cash advance providers such as Forward Financing.
Frequently asked questions about Capitalize Group
Is Capitalize Group Legit? Yes, it is a real funder with little public track record. Virginia listed Capitalize Group LLC as a sales-based financing provider in June 2024. A merchant accused it of usury and fraud in 2025; New York courts ruled on procedure, not the merits. It had 0 Trustpilot reviews in October 2026.
Is Capitalize Group a Direct Lender or a Broker? It is a direct funder. Capitalize Group recruits ISO brokers to submit deals, never says it is not a lender, and is the party that bought the receivables in its own contract. Ask any broker presenting its offer what commission is included.
What Happens If My Sales Drop? You can request a reconciliation. In the court-reviewed contract, weekly payments were estimates tied to receivables and the merchant could ask for an adjustment. Get that clause in writing and send bank statements promptly, since missed payments can trigger the guarantee and confession.
Does Capitalize Group Use Confessions of Judgment? Yes. Its September 2024 contract included a signed confession for $375,000, less payments, plus 9% interest and 25% legal fees. Capitalize Group filed it after a default and won a $229,489.28 judgment in Westchester County in July 2025, backed by the owner's personal guaranty.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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