Business Funding Name Changes Since 2019: 3 Public-Record Examples and What They Mean

Since 2019, public records show that Yellowstone Capital changed its name to Delta Bridge Funding, also known as Cloudfund, according to New York’s attorney general. Richmond Capital Group has become RCG Advances. Kabbage is now KServicing. Check the bank account that shows the debit for your daily payment and you’ll see the funder. It may not be the company you actually think of as your lender.

Businesses can change their names, but the devil’s in the details. In Texas, for example, there are two main ways to do this. One is to file an amendment to officially change the company’s legal name. Or you can keep the official name the same, but file an ”assumed name certificate” showing that you are doing business under a different name. This certificate also has to include the location of the real business. Unlike with business names, there’s little to stop more than one company having the same assumed name. But that still doesn’t mean these businesses are the same. If a business using an assumed name changes its real name, they must file a new assumed name certificate within 60 days.

Our first example is the alleged rebranding of Yellowstone Capital into Delta Bridge Funding (Cloudfund). New York’s attorney general alleges that in 2021, after Yellowstone started being investigated, it rebranded as Delta Bridge Funding and kept the same employees and collected on the same business advances that the lawsuit alleges were really loans at up to 820% a year.

The Yellowstone settlement covers business funding companies under Yellowstone Capital and 25 other names, including Fundry, Green Capital Funding, High Speed Capital, and others. The court entered the settlement on January 16, 2025. It automatically canceled about $534 million that merchants owed. Personal guarantors are covered, too.

The deadline to file a claim was January 9, 2026. Payments went out on April 3, 2026. But there’s an exception. Delta Bridge Funding, also known as Cloudfund, wasn’t included in the settlement at all. As of April 2026, the New York attorney general’s lawsuit is still going. If you borrowed from Delta Bridge, this might not be the end of the road.

Our second example is Richmond Capital Group. In an FTC case, the company’s official name is RCG Advances, LLC. But the lawsuit says that in the past, it also went by Richmond Capital Group, and that it also does business as Viceroy Capital Funding and Ram Capital Funding. Multiple names, one company. No one says a company can only do business under one name.

In June 2022, the FTC hit RCG Advances and its owner with an order that banned them forever from offering financing to small businesses and engaging in debt collection. They also had to pay more than $2.7 million in refunds. And that was not all. The order also told the company to vacate judgments and release liens against former customers.

Our third example is Kabbage, which does business under the name KServicing. In its bankruptcy case, it became KServicing Wind Down Corporation. As part of that, Kabbage settled allegations under the False Claims Act over its PPP loans by agreeing to give the U.S. an unsecured bankruptcy claim of up to $120 million. Actual recovery depends on what assets are left in the bankruptcy estate.

As these examples show, your lender or creditor may change its name in three ways.

• The business under investigation may rebrand.
• It may keep a former name and add trade names.
• A funding company may change its name during the wind-down of its business.

A New Name Doesn’t Necessarily Stop the Original Debt

What all these examples mean for you is this: A new name doesn’t necessarily stop the original debt. Think Yellowstone/Delta Bridge. The name change can create a confusing trail. Depending on the investigation or settlement, relief may only cover some of the names and not others. What’s the rule of thumb? Knowing the actual legal entity you are dealing with does matter.

Who You Actually Owe

How can you find out who you actually owe? Here’s what the New York Attorney General’s website suggests for the Yellowstone Capital settlement. First, check your contract with the company that sold you the merchant cash advance. It will usually say at the top or first paragraph who the agreement is with. Then take a look at your old emails. Those can also show who you are dealing with. Finally, you can look at the bank account where your payments are coming out of each day. There should be a company name attached to the debits.

You can sometimes also tell who you owe by looking at public records that are out there. One is the UCC filing, which generally expires five years from the date it’s filed, unless the funder files a continuation in the last six months. In New York since August 30, 2019, the confession of judgment usually needs to be filed in the county where you lived when you signed the affidavit or where you live now.

If you want to pay or settle, before you do anything, check the name on your contract, emails and bank debits. And then ask if a settlement covers that exact name. Not all do.