How We Score Lenders
The Debtura Trust Grade is an independent risk assessment for MCA lenders, built on publicly available legal, regulatory, and sentiment data. Our scores measure one thing: how much evidence exists that a lender has harmed borrowers.
The Three Dimensions
Borrower Sentiment
40%
What real borrowers and industry professionals say about this lender. We track Reddit discussions, DailyFunder industry forums, BBB complaints, Trustpilot reviews, and consumer complaint platforms. We measure the ratio of negative-to-total mentions, not raw volume — so a large lender isn't unfairly penalized for scale.
Court Outcomes
40%
When borrowers push back in court, who wins? We track every federal case where a borrower challenged a lender — recharacterization rulings (courts that found MCA products were actually usurious loans), vacated judgments, consent orders, and settlements where lenders paid. Being a plaintiff in collection cases does not count against a lender.
Regulatory Actions
20%
Has the government intervened? State attorney general investigations, FTC enforcement actions, consent orders, and financial penalties all factor here. A single FTC action with asset freezes weighs more than an unresolved AG inquiry.
The Grade Scale
| Score | Grade | What It Means |
|---|---|---|
| 0–5 | A+ | Exemplary. No evidence of borrower harm found in our data sources. |
| 6–15 | A | Strong. Minor complaints with no systemic pattern. |
| 16–25 | B+ | Good. Some complaints but lender has responded and remediated. |
| 26–35 | B | Fair. Documented issues but no regulatory action. |
| 36–50 | C+ | Caution. Patterns of complaints and/or legal challenges. |
| 51–65 | C | Warning. Significant borrower complaints, active litigation against lender. |
| 66–80 | D | Avoid. Regulatory actions, court losses, or systematic harm documented. |
| 81–100 | F | Predatory. FTC enforcement, AG settlements, or judicial recharacterization of product as usurious loan. |
What We Don’t Measure
The Debtura Trust Grade is not a measure of business success or loan approval rates. We do not penalize lenders for:
- Filing collection lawsuits against borrowers who default — this is normal business
- High factor rates alone — expensive credit is not predatory credit
- Declining loan applications
- Low review counts (insufficient data = no grade)
Data Sources
Debtura Trust Grades represent the independent analytical opinion of the Debtura Intelligence Team. Grades are based on publicly available data and are updated as new information becomes available. Debtura is not a law firm and this is not legal advice. Lenders who believe their grade is incorrect may submit documentation for review.
Concerned about your MCA contract?
Upload it free — get APR, red flags, and COJ detection in under 30 seconds.
Analyze Free →