Prompt Capital Funding Reviews 6

Only 1 star as no other option. Once I entered my info, they keep sending emails from different domains which seem same company. Too many follow ups and looks shady practice. I didn’t feel safe with this. Buyers should be careful before submitting details.

The “Funding” That Didn’t Sit Right

Recently, I was contacted by someone introducing himself as Noah Cohen from Prompt Funding Solutions, based out of 40 Wall Street in New York.

He said our business had been “approved.”

The subject line of the email?

“Congratulations! Your deal for …… has been approved for financing.”

Already a red flag — vague subject line, missing business name.

Then came the breakdown.

It was structured as a 2-phase funding pathway.

Phase 1: A “bridge loan” of $15,000
Phase 2: A “guaranteed” $290,000 long-term loan

On paper, it sounded exciting. Big numbers. Fast funding. No underwriting. No credit pull. No tax returns. Same-day funding.

But when you slow down and actually look at the math?

It gets ugly fast.

⸻

🚩 Phase 1 – The Daily Payment Trap

They offered three options for the $15,000:
• $534 daily for 48 days
• $1,062 daily for 24 days
• $285 daily for 90 days

Let’s be clear.

That’s daily ACH withdrawals from your business account.

Not monthly.
Not biweekly.
Daily.

And here’s the part that made it even more questionable:

You don’t even receive the full $15,000 upfront.

The funds are “released” in four staggered disbursements:
• $1,500 on day one
• $2,500 after several successful payments
• $3,500 later
• $3,750 later

So you’re making aggressive daily payments before even receiving the full amount.

That structure is designed to lock you in.

⸻

🚩 The “Guaranteed” $290,000

Then comes Phase 2:
• $290,000 lump sum
• $4,350 monthly for 72 months
• “100% guaranteed” once Phase 1 is completed
• No further underwriting

Let’s pause.

There is no legitimate lender that guarantees a $290,000 unsecured loan with:
• No underwriting
• No financial review
• No documentation
• No credit pull

And all based solely on surviving extremely aggressive daily payments?

That’s not standard lending practice.
That’s pressure positioning.

⸻

🚩 The Request That Sealed It

To “move forward,” they asked for:
• Driver’s license
• Voided business check

Before full documentation.
Before clarity.
Before transparency.

That is sensitive identity and banking information.

And once that’s handed over? They can initiate ACH withdrawals.

That’s when it became clear:
This structure felt predatory at best.
Scammy at worst.

⸻

What I Decided

I will not be doing business with Prompt Funding Solutions.

As a business owner, I’ve learned something critical:

If funding feels rushed…
If it’s structured to pressure you…
If it promises guarantees that don’t align with how real lenders operate…

You walk away.

No amount of capital is worth compromising your business integrity or financial security.

If you’re a small business owner and someone approaches you with “guaranteed funding” and aggressive daily withdrawals — slow down. Do the math. Ask hard questions.

Growth should feel strategic.
Not desperate.
Not pressured.
Not opaque.

And definitely not shady.

Stay sharp out there.

only 1 star because you have to leave something, BUYER BEWARE do not submit your information, they will HOUND you and send emails from different domain names which are all the same website. Very underhanded and seems super shady

DO NOT BELIEVE THOSE "GOOD" REVIEWS THEY HAVE, THOSE ARE PEOPLE THAT WORKS WITH THEM, WHAT AT FRAUD!!!!!
THEY ARE INDEED FRAUD, THEY LIE ABOUT THE FEES, THEY CHARGE YOU MORE THAN IS ON THE CONTRACT THEY SEND YOU! THESE ARE THE WORST THIEF WHEN IT COMES TO MCA'S

I had recently got funding from Prompt Capital Funding and it was probably the best experience i'va had compared to other funding companies i have worked with in the past. They were very honest and raw with the information they gave me which i appreciated. They had let me know what i qualified for and what i didn't, along with customizing different programs for me to pick out of. If i needed anything Michael was always there to answer all my questions and concerns, which made me feel more secure because i felt that i was heard and understood. They made me feel confident and were there every step of the way. I got funded in 2 days and the whole process overall was smooth, easy, and great! I truly recommend Prompt Capital Funding for all your funding needs!!

PCF is by far the best funding company I have ever worked with! I've dealt with them twice so far and the staff from top to bottom have always been courteous, professional, and very friendly. Unlike others they have always been straightforward and kept their word. Very prompt to say the least and I received my funds as promised. I'd highly recommend them to anyone looking for funding!