Kennedy Funding Ripoff Report | Scam or Legit? Full Review & Complaints

Kennedy Funding is not an anonymous shell company, it is an actual lender. According to its official site, it has been in operation since 1987 and specializes in commercial bridge lending and is able to close some deals fast. People type in Kennedy Funding ripoff report aren’t doing so because they’re not seeing the company, but because they are trying to figure out the official profile with the online complaints that involve fees, communication, delays, and expectations not being met with results. Records reviewed here are ones that are made public, such as the company’s own website, a , and court records like a . This page is not designed to sensationalize the business, it is designed to draw a distinction between allegations of the complaint site and substantiating records and sound due diligence.

The new headquarters of Kennedy Funding in Englewood, NJ, is the own building of the firm as a result of decades of development. Kennedy Funding is a New Jersey-based, privately-owned commercial real estate lender and a bridge loan specialist with a history of operation dating back to 1987. The company boasts of a long history – its website announces that the company has closed over 4 billion loans to date. In spite of this past, most internet searches of Kennedy Funding Ripoff Report, or Kennedy Funding scam, include negative reviews. We will discuss those complaints in more detail in this article, juxtaposing them with the official record of the company and assisting readers to make their own choice whether Kennedy Funding is a valid lender or it is a danger to be avoided.

What Is the Ripoff Report?

The Ripoff Report is a consumer complaint site and anyone can post negative reviews of companies, products or individuals on this site. It is a site that is intended to warn others about potential scams or unfavorable experiences but it provides an anonymous posting. Actually, one research observed that there are 94% of 1-star reviews on Ripoff Report, and many of them are left by anonymous users. This implies that the contents of Ripoff Report are saturated with negative content.

Discussing the so-called Kennedy Funding Ripoff Report, people usually mean the list of user reviews and negative comments on Kennedy Funding that have been placed on websites such as RipoffReport.com and other forums. The common issues of these reports are the late close-out of loans, promises made but not kept, cost surprises, or lacklustre customer service. As an example, one of the blogs mentions how the Kennedy Funding Ripoff Report has posted complaints from investors complaining that their money was held up or that they never received any money they were promised. To sum up, such reports represent the frustrations of customers.

Due to the nature of the Ripoff Report site as one that tends to feature complaints, any person visiting the site must bear in mind that they are just anecdotal posts (in most cases, unconfirmed) and not a fair assessment. For readers interested in broader financial patterns and market behavior, this guide on how many trading days are in a year provides helpful background context.

While complaint websites can be a useful warning flag, they are not necessarily the same as the court ruling, regulatory activities or loan files. Patterns that can be found on anonymous complaint pages can raise suspicions about fees or communication, but don’t necessarily indicate fraud. It is more effective to look at them as one piece of data together with the information disclosed by the company, the company’s profile on third party sites, and public court data. This topic involves comparing themes of complaints with what is said about loan size, timing and collateral-based lending, what is said about accreditation and alerts and what is said about publicly disclosed case summaries in litigation against the company.

Quick Summary: Key Facts at a Glance

Before diving deep, here is a fast-reference table for your review.

Kennedy Funding Overview

Kennedy Funding Inc. is a direct private lender in commercial real estate bridge financing – acquisition, construction, land development, and workout financing – of borrowers who otherwise might not pass a traditional bank loan application. It was established in 1987 and has more than 35 years of operation. The company is located in New Jersey and in 2025, it opened its own headquarters building in Englewood, which is an indication of expansion. CEO Kevin Wolfer also points this move out in press releases as being the culmination of 35 years of hard work, growth, and success of the firm.

The important details associated with Kennedy Funding are:

• Founded: 1987, more than 35+ years in business.
• Industry: Business bridge lending hard-money loans to real estate transactions.
• Track Record: Has closed more than 4 billion dollars of loans in the country.
• Loan Terms: Generally, loans between 1 million and 50 million dollars per project, 75 loan-to-value LTV. Even though the company focuses on quick closings, the company says that it can close on some loans in just five days when a deal is hot.
• Market Position: Markets itself as “one of the largest direct private lenders in the United States,” offering lending facilities to borrowers that conventional banks cannot or will not finance. It points at innovative funding of hard to make deals, land loans, bad projects etc., which large banks turn down.
• Geographic Reach: Based in Englewood, NJ, though it has invested in deals throughout the country and even global projects in the Caribbean, Latin America etc., as mentioned in company press releases.

These arguments prove that Kennedy Funding is a real functioning lender that has a niche. It is not some shell company that no one can figure out who owns them and what is happening there, it has press releases, an office, and a lengthy history of dealings. Nevertheless, it is not like a conventional bank either: its niche demands charging more fees and interest to balance out the increased risk. This may cause some customers to be sharply reactive as we will see below.

The company describes itself as a collateral-based private lender to commercial real estate situations that Banks may not fund. It has been published that it has financed loans as large as $1 million up to $50 million, loan-to-value ratios up to 75% and even closed certain loans in five days or less. Those claims are important because they impact the appeal and the risk of the loan; for borrowers with projects that need to be completed in a timely fashion or projects that have a nontraditional nature, a quick and flexible loan may be desirable, but loans like that may involve more scrutiny of fees, reserve requirements, valuation assumptions, and legal paperwork. When it comes to the term sheet in practice, borrowers should review the term sheet, find out which fees can be refunded and which cannot, clarified who is responsible for appraisals and legal fees, and determine whether closing is contingent upon the reports of third parties, title, and/or collateral.

For Whom Does Kennedy Funding Do the Work? (Ideal Borrower Profile)

Almost all of the complaints brought by Kennedy Funding lack an important element: context, that is, who this lender is really for. Kennedy Funding is not a consumer bank. It’s not the lender you contact if you want a home loan for your family home with a fixed rate of 30 years. It will help borrowers avoid a lot of frustration if they know that difference right from the start. Kennedy Funding is designed for a specific borrower. If you relate to any of the following, their model may be applicable:

• Your deal was rejected by a traditional bank. Banks have strict loan qualifying requirements. Most conventional lenders will bail out if the project is on raw land, distressed property, a partially completed project or a borrower has credit issues. Kennedy Funding is going to give it a look at least.
• You’ll have to close quickly. When it comes to real estate, time is the power ball. Kennedy Funding offers as little as five business days closing time on some of its deals. Not something that any bank can compare.
• Your project is something unique. Banks usually turn down bankruptcy workouts, foreclosure rescues, international real estate deals, and land development — and Kennedy Funding regularly funds these projects.
• You are looking to borrow between $1 million and $50 million. It is not a lender for small personal loans or residential purchase. They have a floor of $1 million.
• You know exactly when to get out. Bridge loans are short-term loans (usually 12 to 36 months) and successful borrowers always have a plan for repayment, whether the sale or a traditional bank loan or some large cash event.

If you don’t fall into this category, if you’re a first-time borrower, you’re not the type to be familiar with hard money lending, or you expect bank-level rates and no upfront costs, then Kennedy Funding is likely to let you down. This is the one thing that makes all of the “Kennedy Funding ripoff” complaints you’ll find online possible.

Complaints and Negative Reviews

Most of the negative remarks targeting Kennedy Funding are based on borrowers forums, blogs, and other sites, such as Ripoff Report. Popular themes in those grievances have been:

• High Upfront Fees: Some of the borrowers testify that Kennedy Funding asks a huge application fee or due diligence before conducting a complete examination of the loan. As an example, a user of the real estate forum has stated that Kennedy funding requested a due diligence fee with only initial information when asked, as they stated that paying a fee obviously did not guarantee they would like the deal. This can be an ugly surprise, according to critics, as the loan may be rejected.
• Poor Communication: Reports who complain of receiving a response late keep on increasing. A single post in the blog states that there are problems with communication at critical stages and the failure to react promptly, and there is no guarantee of the client that the project is progressing. This silence or time wasting may be disturbing where borrowers who have time limits.
• Hidden Costs/Fees: Terms or fees that were not clearly outlined during the initial stage are often complained about. According to one write-up, investors were caught off guard by suddenly high fees or having conditions that were hidden in voluminous contracts. An example is when a borrower can realize later that there are some other charges appraisal fee, legal or processing fee on top of the advertised interest rate. This is one of the major complaints of unsatisfied customers.
• Unrealistic Promises: There are clients who claim to have been promised fast finance or returns that never happened. One of the industry blogs narrates the experiences of people who have reported that Kennedy Funding made them believe that they were going to earn very good returns, only to realize that the funds promised to them did not materialize as promised. This sense of bait and switch – expectation versus reality is usually quoted.
• Customer Service Issues: Negative feedbacks tend to point to overall bad service. Individuals also complain that they are being ignored or misled by the representatives of the company, which makes the process of funding frustrating enough. When a borrower inquires regarding time or terms, he or she claims that the answers may take too long or be partial.

These are bullet points that highlight the issues that are commonly raised in review sites and forums. They do not imply that the company is necessarily a fraud, but imply areas of friction in the Company in its handling of loans. It is worth mentioning that these complaints can be found all over the place and are not supported by any independent audit, they are only personal experiences. The Better Business Bureau (BBB) profile of Kennedy Funding indicates that there are no complaints on the board, meaning that there have been no formal consumer agency complaints recorded.

The BBB also indicates that the company is not rated and has not been accredited, merely indicating that it has not sought BBB accreditation. In 2009, the company even warned the BBB about a scammer pretending to be it: a person going under the name of Kennedy Funding Group was requesting fake loans in their name. This demonstrates a proactive attitude on the part of Kennedy Funding regarding its image, it also demonstrates the fact that rogue business people have attempted to take advantage of its name.

All in all, reviews on Ripoff Report and these kinds of websites are mostly negative in nature. As we have seen, 94% of the Ripoff Report reviews are 1-star, thus, the bar in this case is low. However, the trends above are also shared in numerous sources. High fees should be noted by prospective borrowers and they are supposed to know all the terms of the loans before going ahead with them.

An analysis of the fee structure that borrowers are often missing:

The most common problem and grievance clients have with Kennedy Funding (and private lenders in general) is the fee structure. A majority of borrowers are coming in with the expectations of a bank closing process. What they are faced with is something different, and if they’re not aware of it beforehand, it can seem like a scam, even if it isn’t.

Commitment Fee (also called a Deposit or Application Fee)

This is usually obtained at an early stage when the lender has read your executive summary and approved that the project is worth following. The whole idea is to ensure that you, as the borrower, are committed and serious about it. This non-refundable fee includes the price of the food. Often the consumer who pays this fee and then gets turned down for a loan will be the ones who are posting on Ripoff Report.

Due Diligence Fee

After your loan gets into a review cycle (after most hard money lenders), it will be referred out to third parties, such as your property appraised, environmental assessments will be ordered, title searches will be ordered, and legal reviews will be ordered, among other services you will receive. These are actual expenses that the lender will have to pay to assess your deal. If the loan does not make, the following service providers must be paid. These costs are included in the due diligence fee. The debate here is when borrowers think they are guaranteed a loan when they pay this fee, and that’s not always the case. It does not.

Origination Points

These are held at the loan closing and are a percentage of the loan volume. The average rate charged by Kennedy Funding is 2 or more points. On a $5 million loan, two points equal $100,000. Not only that, but annual interest rates from 9% or higher result in a higher effective cost of capital, on purpose for the banks, of course, because they wouldn’t get in on the action under any circumstances.

Understanding Non-Refundable Fees

The most important “gotcha” in this entire discussion is that fees paid prior to closing are not refundable. In Florida, a borrower one day before closing saw $75,000 in legal fees tacked onto his closing costs, and the transaction fell apart, costing the borrower those fees. For Kennedy Funding, everything was finished and the vendors were paid for completing the work. To the borrower it was a bait-and-switch.
The lesson here is NOT that Kennedy Funding is a scam. The lesson here is that you should have all of the items of expense catalogued and in writing before you pay a single dollar, and be ready emotionally and financially to pay for a loan that does not close and to have no refunds of fees when it fails to close.

Real Borrower Experiences

A balanced view is provided here by summarising types of experiences reported at public forums, review sites and industry discussion. These are typical examples of patterns that occur again and again, rather than “best” examples.

The Good: When Kennedy Funding Works as Intended

A commercial developer had to seal the deal on a $3 million land deal in South America in two weeks. The lack of willingness of a U.S. bank to enter into an international land loan. This was funded by Kennedy Funding. A Texas real estate investor with a poor credit rating (approximately 620) required $750,000 to buy a small business building. Traditional banks had declined him twice. Kennedy Funding was a lender that was willing to extend an 11% loan, which was competitive with other hard money lenders in his area offering 14%.

A borrower was able to close a $1.5 million distressed property that required the same speed that no traditional lender could match and closed within 12 days.There is a common thread in these stories – those that were borrowers who had a solid documented deal and understood the cost of private lending and had an exit strategy.

When expectations don’t match reality, the result is the Bad

If borrowers paid upfront fees and thought they were guaranteed to get a loan, but ended up when the due diligence period that it was not approved, this is also considered a case of a broken deal. Situations in which borrowers felt the communication was missing during key moments in the process, and they did not know whether the project was still underway or had been “put to bed.
There are many examples of final loan conditions being significantly different from what was agreed to in a letter of intent (LOI), a fact of hard money lending that many people are not aware about, but is not necessarily a fraud.

The Ugly: Where Things Went Seriously Wrong

The most serious complaints are from borrowers who signed without a lawyer; that is, they did not have independent legal representation and were not fully informed about what they were signing. As an example of the many reported cases in 2023, a borrower in Florida alleged that Kennedy Funding incurred an extra $75,000 in legal costs just days after closing. The project collapsed. The borrower lost a significant part of his deposit and filed for an arbitration. If the situation is one of many at Kennedy Funding, or if it’s just a communications error, the point is clear: don’t enter into a hard money loan without an independent real estate attorney reading all the documents before you make a single payment.

Legal Cases and Settlements

Other than complaints by the user, Kennedy Funding has had its fair share of lawsuits over the years. These are cases that are normally brought about by a borrower claiming contractual matters or fraud. As one example, a New Jersey appeal case in 2010, Shelton v. Kennedy Funding, led to the court upholding the fact that Kennedy Funding was liable for damages as a result of breach of contract. Then, where a jury had initially granted the borrower damages of 1,675,000 including fraud claims, but on appeal, the damages for the fraud had been overturned and the final judgment was for 675,000. The close-up court opinion demonstrates that Kennedy Funding did not win at least the breach-of-contract claim. This shows that contractual problems have been experienced in practice.

The reviews in the industry reflect that Kennedy Funding too, has not been spared from the legal scrutiny. According to one finance blog, KFI has been challenged with several court cases, which have been filed against it such as misrepresentation lawsuits and mismanagement of funds. This is simply stated in simple words that some of the investors had argued that Kennedy Funding had failed to deliver as per agreements or that it was deceiving them. The details of those cases are not public everywhere but the reality that there are lawsuits is known.

It should be emphasized that whenever a company is sued, it does not necessarily imply that it is a scam, lots of honest lenders find themselves in court trying to contest a contract. The court losses in the case of Kennedy Funding seem not to be related to criminal fraud, but rather to the unfulfilled obligations. The company successfully appealed certain issues, as indicated by the reduction of the award as well and it remains in operation.

Simultaneously, none of the federal bodies or regulators (SEC, CFPB, etc.) has officially labeled Kennedy Funding as a fraud or ceased its operation. The litigations that we observe are not government enforcement efforts but rather private civil litigation. In brief, there is no clear evidence of illegality in the legal history, although it is indicated that borrowers need to exercise due diligence and read the contracts: there is a requirement that the borrower must show due diligence and read the contracts.

The presence of litigation is relevant to the case, but it should be dealt with exactly. Public case records indicate that Kennedy Funding has been involved in civil controversies, such as the case in which a jury ruled that it had awarded damages in the case on breach of contract and fraud claims, but then affirmed in part, reversed in part and ordered a reduction of the judgment to $675,000 in an appellate court. The public dockets also reveal more recent litigation activity involving the company, such as in . While that doesn’t necessarily indicate systemic wrongdoing, it does suggest that a savvy borrower should not just consult with complaint sites, but also check the public records and also get advice from counsel on the operative loan documents.

Kennedy Funding vs. Traditional Banks vs. Other Private Lenders

If you are weighing Kennedy Funding against other financing options, this comparison helps you to clarify where it fits and where it does not.

The most obvious difference between the two is the amount of interest rate that Kennedy Funding offers as compared to many hard money lenders. If speed and flexibility are important values for a borrower and they don’t mind the expense, that is a fair exchange.

The advantages and disadvantages of working with Kennedy Funding

Pros

1. Expertise in a specific niche of lending (35+ years)
   Will be interested in projects that most banks and many other private lenders wouldn’t consider
2. Real closing speed advantage with some transactions as quick as 5 business days
   Able to lend internationally (Caribbean, Latin America, etc.)
3. Loans that do not charge a prepayment penalty in most loan configurations
4. Interest only loan option (to maintain cash flow throughout the loan term)
5. No minimum FICO score requirement — the approval of the loan is based upon the collateral and the structure of the deal itself.
6. The amount of closed loans exceeds $4 billion, and this is a significant figure.

Cons

• Interest rates beginning at 9%, much higher than conventional financing from banks.
• Non-refundable upfront commitment and due diligence fees
• Smaller projects are not included due to minimum loan of $1 million
• People who borrowed money and didn’t understand the terms of the loan are a big part of people who are unhappy about their online reputation.
• Multiple loan communication issues reported
• Not BBB accredited but this is a voluntary accreditation and the BBB does not make formal complaints.
• There is at least one award in a New Jersey appellate case for a breach of contract.
• Not suitable for housing loans, consumer financing or for small personal loans

Alternatives to Kennedy Funding

If you have read the complaints and the fees and decided that Kennedy Funding is not the best option for you and your project, you should consider the following major alternatives:

Regional & Community Banks: For projects that would be almost eligible for a traditional loan, but that might have a less-than-typical property type, Regional & Community Banks might be willing to take a chance on a project that a national bank wouldn’t. Have greater underwriting flexibility and generally are more willing to offer a lower fee and interest.

SBA Loans (504 and 7(a)) : If the project will involve a commercial property for owner-occupied use for a business, an SBA 504 or 7(a) loan may require a lower down payment and a longer lending period than a conventional loan from a private lender. The tradeoff is that it will take 60-90 days or more for the approval process to be completed.

CMBS Loans (Commercial Mortgage-Backed Securities): These loans can offer stabilized commercial properties consistent income sources fixed rates and long terms. These can be used for income producing property, but cannot be used in a distressed asset or development situation.

The Private Lending Market is Competitive: Other Hard Money and Direct Private Lenders There are other firms that may be able to provide similar flexibility as Kennedy Funding but with a different fee structure or communication style that works best for your project; these are companies such as Broadmark Realty Capital, Anchor Loans or direct private lenders in your state. On any hard money deal, at the very least, compare three lenders.

Real Estate Crowdfunding Platforms: Platforms like CrowdStreet or EquityMultiple have opened up institutional-style capital to more projects. They usually work for bigger and more established deals and sponsors.

Peer-to-Peer (P2P) Lending Platforms: For smaller commercial arrangements, systems that connect borrowers directly with individual investors may provide more flexible terms than those provided by institutional lenders for similar loans, at similar rates to private lending.

This will depend solely on the size of your deal, its timeline, your credit profile, and the type of project. The principles of due diligence remain the same, regardless of which option you take: everything should be recorded in writing, there are no hidden fees, and there should be an independent attorney on all contracts.

Borrower Due Diligence Checklist: Protection to Yourself

If you’re following the advice of Kennedy Funding or any other private lender, this represents the bare minimum of self-protection that any borrower should do before anything is signed or fees paid.

Before You Apply

• Check Lender’s Registration & Licensing in your State
• Verify that the company’s physical address, phone number and management team are also easily available to the public.
• Use the lender’s full legal name to search for court records (eg, PACER for federal court records)
• Request references from previous borrowers who have had the same type of loan.
• Know exactly what kind of finance you’re about to take out and whether or not you’re entitled to it.

During the Process

• Ask for a detailed list of all fees, upfront, due diligence and closing — in writing before paying anything.
• Be straight to the point: “Are there any fees that I can get a refund of if the loan doesn’t close? Get the answer in writing
• Have an independent real estate attorney (not the lender’s attorney) look over all documents
  Know the difference between Letter of Intent (LOI) and binding loan commitment – LOI is not a commitment to fund
• Ensure that all verbal agreements, schedules and conditions are formalized with emails or formal letters
• Know exactly how you’re going to make it out of the trade and be sure it’s attainable based on the market.
• Not only the headline interest, but also the total cost of capital, including interest, points, third-party fees and costs.

Before Signing

• Get your lawyer to clarify all the default, recourse and personal guarantee provisions.
• Ensure that the loan details (amount, interest rate, loan term and repayment plan) are as you agreed during your initial discussion
• Know the balloon payment amount and when it falls due, and ensure that your exit strategy is able to provide this.
• Maintain copies of all the documents, emails and receipts of all payments, throughout the process.
• Regardless of who the lender is, if you are discouraged from using independent counsel or if the lender is not willing to put the terms in writing, it is a big red flag.

If You’ve had a Bad Experience with Kennedy Funding, What to Do

If you have already gone through the process, and believe that you were misled, suffered losses that were not disclosed, or that you were not party to any material terms, here are the correct steps to take.

Step 1: Document Everything First Collect all the e-mails, contracts, fee receipts, letters of intent and any written communication. Without documentation there is no way to take up a complaint. The more paper trail you have the better you’ll be.

Step 2: If your loan has been declined after due diligence, you’ve most likely already paid for an environmental report, title search or appraisal. Ask for a copy of all the third-party reports you receive throughout your application process. These are yours and may be available from another lender, and that could save you thousands of dollars in duplicate fees.

Step 3: Talk to a Real Estate or Commercial Litigation Attorney If you suspect a breach of the contract – such as changing the contract’s terms without your permission, missing deadlines, or billing you for extra services that were not provided, a real estate or commercial litigation lawyer can let you know whether civil action or arbitration is an appropriate option. Most loan dispute laws have a statute of limitations ranging from two to four years depending on where you live so don’t delay.

Step 4: Make Complaints to the relevant organisations
Consumer Financial

1. Protection Bureau (CFPB): The primary mission of the CFPB is to protect consumers in the field of consumer lending, but it also takes complaints about commercial lending.
2. Your State’s Department of Banking and Financial Regulation: States have different regulatory agencies for financial institutions
3. Better Business Bureau: bbb.org: even if the company is not accredited, better business bureau places a formal complaint on the public record.
   Consumer Forums, Trustpilot and Google Reviews: Honest, factual reviews help other borrowers to make educated choices

Step 5: If you do post a review, focus on facts and statistics to support your experience. Anonymous and emotional posts can be easily ignored. The kind of review that is helpful to other borrowers is a detailed, factual account that contains specific dates, amounts, and communications.

Scam or Legit: Final Verdict

When considering any private lender, the best thing to ask yourself is not “Do people complain online?” but instead “What can I check prior to paying or signing?” Request a written term sheet, a fee schedule, expected close terms and conditions, sample loan documents and references specific to your type of loan. Verify the legal entity, business address and who will actually be underwriting the loan. Ensure that due diligence and/or commitment fees are refundable, that there are no “reserves” for any specific purpose, and that there will be no pricing changes, timing changes or collateral changes unless there is an event that triggers them. The best defense in such a fast-moving world is to be slow and verify document by document.

Is Kennedy Funding a scam or a lender? The evidence describes a picture that is neither clear nor mixed. On the one hand, Kennedy Funding is a real operating company, which has a tangible office and a history of loans in the billions of dollars. Its external communications news releases, and website portray a virtual lending company. The BBB profile indicates that the corporate information is normal 35 years and above business and not regulatory breaches. Notably, there are no authoritative warning signs that depict Kennedy Funding as a fraud, except for its warning regarding impostors.

Kennedy Funding, on the other hand, is in a high-risk niche with high fees. Most of the complaints in the style of Ripoff Report are reduced to: I did not like the charges or the customer service. These are fair grievances by consumers but they are more like bad business than a planned Ponzi scheme. It was well summed up by one of the reviewers: Kennedy Funding Ripoff Report is not a bad thing to do but should be done with caution. The recommendation there is that it should be treated like any other finance – handy when one wants it in a hurry but at a price.

The caution that the review gives, particularly to borrowers, is to carefully read all the small print and what they are actually committing themselves to. For readers exploring related financial concepts, this simple guide on what a currency block is offers helpful context for understanding broader market structures.

Contextually, the name of the site, Ripoff Report, is ironic, to the extent that it is unhappy borrowers who have written reports, and that does not mean that the company as such is a dishonest ripoff in terms of definition. There are a lot of financing customers who get no complaints and experience positive experiences with fast funding of urgent projects that will never appear on such negative sites. We did not find any traces of criminal fraud, such as embezzlement of funds or a Ponzi scheme. Rather, we observe the trend of a conflict between the terms of the contract and the expectations of the customers.

To the question “Scam or legit?” The Kennedy Funding Ripoff Report seems to be a legitimate business in the sense that it does serve as a real lender, but there are risks in its business model that have led to serious complaints. Analysts agree that it is not a government-endorsed fraud, but some other lender that needs to be wary of. According to a chargeback-prevention blog, Ripoff Report is difficult to counter and the larger part of entries is negative, which means that the reader must deal with such posts carefully.