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FAQ · Legitimacy · Updated 2026-06-25

Is Libertas Funding legit?

Yes, Libertas Funding is a legitimate direct MCA funder operating since 2014. Headquartered in Greenwich, Connecticut, the firm has funded over $2 billion to small businesses nationwide, holds an A+ BBB rating, and specializes in larger advances ($50K-$5M) for higher-revenue merchants. Pricing is mid-tier; revenue minimums exclude smaller businesses — verify fit before applying.

By Keerthana Keti3 min read

Quick answer

Yes, Libertas Funding is a legitimate direct MCA funder operating since 2014. Headquartered in Greenwich, Connecticut, the firm has funded over $2 billion to small businesses nationwide, holds an A+ BBB rating, and specializes in larger advances ($50K-$5M) for higher-revenue merchants. Pricing is mid-tier; revenue minimums exclude smaller businesses — verify fit before applying.

Full answer

Libertas Funding is a legitimate direct merchant cash advance funder, not a broker. Founded 2014, headquartered in Greenwich, Connecticut. Registered in good standing with Connecticut state filings and operates nationally across the U.S.

Trust signals: A+ rating with the Better Business Bureau (accredited member). $2 billion+ funded since founding — putting Libertas in the upper tier of MCA funders by volume. Specializes in larger deals than most generalist MCAs, which means a more institutional underwriting process and longer relationships with repeat merchants.

Where Libertas fits: larger-advance specialization. Most deals fall in the $50K-$5M range with funding amounts often exceeding what generalist funders like Greenbox or Forward Financing will write. Typical fit: $100K+/mo revenue, 12+ months operating, 600+ FICO. A-paper and upper-B-paper merchants get the cleanest terms.

Where to be careful: revenue minimums exclude smaller businesses. If your monthly revenue is under $50K, Libertas probably isn't the right fit — Greenbox ($15K minimum) or Credibly ($20K minimum) are more inclusive. Factor rates trend mid-tier (typical 1.18-1.40); not the absolute cheapest, but reasonable for the larger advance amounts.

Bottom line: Libertas is a legitimate direct funder with strong volume and a niche in larger advances for established merchants. The question isn't legitimacy — it's size fit. Smaller merchants should look elsewhere; mid-market businesses needing $100K+ should get Libertas on their comparison set.

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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.