Updates log
What changed, and why.
Every score change, ranking move, methodology version and correction, newest first. If a page says “Updated,” the reason is here.
Delancey Street enters business debt relief ranking at #1 (9.2).
Scored after contract review, verified owner interviews and attorney review. Harbor Debt Solutions moves to #2 after re-scoring its monthly plan fee under the updated cost rubric (8.7 to 8.4). Ownership relationship disclosed on all affected pages.
Local MCA debt relief rankings published for 5 cities and 6 states.
New York City, Los Angeles, Miami, Houston, Chicago; New York, California, Florida, Texas, Illinois, New Jersey. State law guides published alongside.
Methodology v2026.3.
Speed sub-score for relief firms now measured from enrollment to lowered or paused debits, not to first settlement. Cap added for verified over-collection (three or more verified reviews).
Ironclad Merchant Defense capped at 5.0; scored 3.1.
Declined to provide a fee schedule or client agreement and would not confirm legal status. Two verified owners reported being told to stop paying funders with no negotiation in progress.
Velocity Merchant Capital lowered 3.9 to 3.2.
Six verified reviews now document debits continuing past the payback amount. Over-collection cap applied under the draft v2026.3 rules.
Riverline Capital: COJ status corrected.
An earlier version stated Riverline includes a confession of judgment in all contracts. Contracts we reviewed include one in some states only. Terms sub-score revised from 5.5 to 6.5; overall 6.2 to 6.5.
Ledger Advance raised 7.2 to 7.6.
Began printing APR beside the factor rate on term sheets. Cost transparency sub-score raised accordingly.
Methodology v2026.2.
Factor rates converted to APR using stated term and payment cadence rather than simple annualization. All MCA lender scores re-run.
Entries on this prototype are illustrative. Zogby shares ownership with Delancey Street, a company it rates; changes to its score are logged here like any other.
Zogby is independent. We may earn a fee when you click a partner link, it never changes a score. Zogby shares ownership with Delancey Street, a debt relief company it rates; the relationship is stated on every page where Delancey Street appears.