q Flatrock Funding Review: Is It A Scam Or Legit? - Best 2020 Reviews

Flatrock Funding Review: Is It a Scam or Legit?

Flatrock Funding Review: Is It a Scam or Legit? 1

Disclosure: We receive advertising revenue from some partners. Learn More


When it comes to managing your finances, choosing the right partner can make all the difference. Flatrock Funding stands out as a reliable ally, committed to helping you navigate the complexities of personal loans and debt management. In this comprehensive guide, we’ll explore everything Flatrock Funding has to offer—from their detailed services to genuine customer reviews. By the end of this post, you’ll have a clear understanding of how they might fit into your financial strategy, ensuring you make informed decisions tailored to your needs.


Flatrock Funding Review

Flatrock Funding Overview

Flatrock Funding has established itself as a significant player in the financial services industry, particularly focusing on personal loans and debt management solutions. Located at 5100 Poplar Ave, Suite 2700, Memphis, TN 38137, USA, they are easily accessible for in-person consultations. You can also reach them via phone at (877) 830-5760, making it convenient for clients to get in touch and discuss their financial needs.

This organization prides itself on a customer-centric approach, aiming to provide tailored financial solutions that help individuals manage and overcome debt. Whether you’re looking to consolidate high-interest debt or need assistance navigating the complexities of personal finance, Flatrock Funding offers a range of services designed to support your financial health and stability.

Flatrock Funding Services

Flatrock Funding Review: Is It a Scam or Legit? 2
Photo Credit: Medallion Media Group

Flatrock Funding offers a variety of services tailored to meet the needs of individuals struggling with debt or seeking financial stability through strategic borrowing. Here’s a closer look at what they provide:

  1. Debt Consolidation Loans: These loans are designed to help clients combine multiple debts into a single, manageable loan with a potentially lower interest rate. This service is ideal for those looking to simplify their monthly payments and save on interest costs over time.
  2. Personal Loans: Flatrock Funding provides personal loans that can be used for a variety of purposes, including home improvements, major purchases, or covering unexpected expenses. These loans offer flexible repayment terms and competitive interest rates to fit different financial situations.
  3. Credit Counseling: For those who need guidance on managing their finances, Flatrock Funding offers credit counseling services. This includes assessing your financial situation, providing personalized advice on budgeting and debt repayment, and helping you understand your credit score and how to improve it.
  4. Financial Education: They believe in empowering their clients by offering resources and tools that educate them about personal finance. This includes workshops, seminars, and online resources that cover topics such as budgeting, saving, and investing.

By providing these comprehensive services, Flatrock Funding aims to help clients not only manage their current financial situations but also build a stronger, more secure financial future.

Pros and Cons of Using Flatrock Funding

Choosing a financial service provider is a critical decision, and understanding the advantages and drawbacks is essential. Here’s an evaluation of the pros and cons associated with Flatrock Funding’s services:

Ads Powered By Medallion

See If You Qualify for
Debt Consolidation in
  30 Seconds


  1. Consolidated Debt Payments: Flatrock Funding’s debt consolidation options can simplify your financial management by combining multiple debts into a single monthly payment, often at a lower interest rate.
  2. Accessible Customer Service: With a dedicated contact number and email, Flatrock Funding ensures that help is readily available. This accessibility helps clients resolve issues and get advice quickly.
  3. Flexible Loan Options: They offer a range of personal loan options, which can be tailored to meet individual financial circumstances and needs, providing flexibility in financial planning.
  4. Educational Resources: Flatrock Funding places a strong emphasis on financial education, providing clients with the tools and knowledge to make informed decisions and improve their financial health over time.


  1. Service Availability: While they offer extensive services, their reach may be limited geographically, focusing primarily on clients within certain regions or states.
  2. Potential Costs: Depending on the client’s credit score and financial situation, the interest rates on loans might still be relatively high, which could affect the overall benefit of their debt consolidation service.
  3. Qualification Criteria: Some of Flatrock Funding’s services, particularly lower interest rate loans, may have stringent qualification criteria, which might not accommodate all potential clients, especially those with lower credit scores.

Understanding these pros and cons will help you determine if Flatrock Funding is the right choice for your financial needs, ensuring you engage with a service that aligns with your financial goals.

Flatrock Funding Reviews, BBB Reviews, Trustpilot Reviews

data date browser correctly
Photo Credit: Medallion Media Group

When considering a financial services provider like Flatrock Funding, it’s important to gauge the experiences of past and current customers. Here’s a breakdown of what customers are saying across various review platforms:

Trustpilot Reviews

Flatrock Funding has a presence on Trustpilot, where customers have shared mixed feedback. Some praise the company for its straightforward loan process and effective debt consolidation solutions, noting improved financial management and stress reduction. However, there are also reviews expressing dissatisfaction, particularly regarding service expectations and communication. Some customers felt the terms were not as favorable once the process was underway, indicating a need for clearer communication from the outset.

BBB Reviews

As of the latest check, Flatrock Funding does not have a specific profile on the Better Business Bureau (BBB) website. It’s important for potential clients to consider this when evaluating the transparency and reliability of the company. A BBB profile often helps consumers understand business responsiveness to customer issues and overall trustworthiness.

General Customer Feedback

Beyond formal review sites, general customer feedback suggests that while many are satisfied with the financial relief provided, others advise caution, suggesting that terms and benefits may vary significantly based on individual credit history and financial situations.

Customers often appreciate the personalized advice and support from Flatrock Funding’s credit counseling, highlighting it as a strength that helps them make more informed financial decisions. Conversely, some have reported that the advantages promised during initial consultations were not fully realized, pointing to a gap between expectations and reality.

This mixed review landscape underscores the importance of thoroughly researching and understanding all service terms and conditions before committing to any financial agreements with Flatrock Funding.

Customer Experiences with Flatrock Funding

Understanding real customer experiences can provide deeper insight into how Flatrock Funding operates and the impact of its services on individual financial situations. Here are some anecdotes and typical experiences shared by customers:

See If You Qualify for Credit Card Relief

See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.


Positive Experiences

  • Debt Consolidation Success: Several customers have reported significant ease in managing their finances after consolidating their debts with Flatrock Funding. One customer mentioned, “After consolidating my credit card debts, I finally have a single, manageable payment each month, and the interest rate is much lower than what I was paying on each card individually.”
  • Responsive Customer Service: Customers often praise the responsiveness and helpfulness of customer service. A client recounted, “Any time I had a question or needed clarification, the service team was quick to respond and very thorough in their explanations, making sure I understood every step of the process.”

Negative Experiences

  • Expectation vs. Reality: Some customers felt that the initial promises made by Flatrock Funding did not completely align with the final terms offered. One dissatisfied customer said, “I was excited about the low-interest rate initially quoted, but after processing my application, the rate increased significantly due to my credit score.”
  • Communication Gaps: A few reviews pointed out communication issues, particularly during the loan application process. “I felt left in the dark at times, unsure of the status of my application and the next steps,” shared one customer.

These anecdotes highlight the mixed nature of customer experiences with Flatrock Funding. They suggest that while many find valuable assistance in managing their debts, the experience can vary greatly depending on individual circumstances and the clarity of communication throughout the process.


Choosing the right financial service provider is crucial for managing and overcoming debt effectively. Flatrock Funding offers a variety of tools and services designed to help individuals streamline their finances through personal loans and debt consolidation. While there are varied customer reviews, the company’s commitment to providing tailored financial solutions stands out.

Before making any decisions, it’s important to thoroughly review all terms and conditions, understand the potential impact on your financial health, and consider all available options. If you’re looking for a partner to help navigate the complexities of personal finance, Flatrock Funding could be a valuable resource.


This section addresses some of the most common questions potential clients might have about Flatrock Funding’s services, helping to clarify details and set the right expectations.

What types of loans does Flatrock Funding offer?

Flatrock Funding primarily offers personal loans and debt consolidation loans. These are designed to help clients manage existing debt by combining it into a single loan with potentially lower interest rates, or to cover personal expenses with flexible repayment terms.

How does the debt consolidation process work at Flatrock Funding?

The debt consolidation process involves reviewing your current debts, applying for a consolidation loan through Flatrock Funding, and using the loan to pay off multiple creditors. This leaves you with one monthly payment, often at a much lower interest rate than your original debts.

What are the eligibility criteria for a loan from Flatrock Funding?

Eligibility for loans from Flatrock Funding generally includes a review of your credit history, income stability, and overall financial situation. While specific criteria may vary, a good credit score and stable income improve your chances of approval and better loan terms.

Can I pay off my loan early with Flatrock Funding, and are there any penalties for doing so?

Flatrock Funding allows early loan payoff, and typically, there are no penalties for early repayment. This can be a significant advantage for those who wish to clear their debts sooner without incurring extra costs.

How long does it take to receive funds after loan approval?

Once a loan is approved, Flatrock Funding works quickly to disburse the funds, often within a few business days. The exact timing can depend on the specifics of your loan agreement and processing times.

How can I contact Flatrock Funding for more information?

You can contact Flatrock Funding by calling their customer service number at (877) 830-5760 or emailing hello@flatrockfunding.com. They also welcome visits to their office at 5100 Poplar Ave, Suite 2700, Memphis, TN 38137 for personal consultations.

Leave a Reply

Your email address will not be published. Required fields are marked *