Company profile · Cash advances
Crescent Funding
Merchant cash advance funder. 1.42 factor, four-month terms, confession of judgment in every contract we reviewed. Illustrative prototype entry; fictional name.
Avoid
Roughly 118% APR that is never disclosed, a confession of judgment in every contract, and aggressive collections reported by owners. No version of this we would recommend.
3.1· 203 verified owner reviews
Factor rate
1.42
Est. APR
~118%
Funds in
24 hours
Min. revenue
$10k / mo
Confession of judgment
Yes
Prepay discount
No
Score breakdown
Cost transparency
3.0
APR never stated; reps describe cost as “a fee, not interest.”
Terms & flexibility
3.5
COJ in every contract; no prepay benefit; daily debits only.
Speed
8.5
Funds within 24 hours, consistently.
Owner reviews
3.0
Aggressive collection and undisclosed cost dominate complaints.
What’s goodFast approvalLow documentation
What to watch~118% APR, undisclosedConfession of judgmentAggressive collections
Contract terms we checked
APR disclosed on offer
No
Confession of judgment
Yes, all contracts reviewed
Reconciliation clause honored
Not in verified cases
UCC-1 filed at funding
Yes
Contract reviewed by Zogby
Yes, Aug 2026
Verified owner reviews
All reviews and complaints →“The rep said no interest, just a fee. The fee was $42,000 on $100,000 over four months.”
Marcus T. · Trucking, Dallas
“Debits kept going for eleven days after the payback was reached. Took a lawyer to get it back.”
Owner · Restaurant, Newark