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A Fraudulent Brokerage: EZ Advance LLC, Benjamin Kandhorov, and Gabriel Shamuelov

  • MCA Exposed
  • May 31
  • 5 min read

Updated: Dec 8

The following summarizes allegations contained in a federal lawsuit. The defendants dispute these allegations. As of the writing of this article, no court has yet ruled on these claims.


Who they are (as alleged):

Our complaint says EZ Advance LLC was the broker at the start of my deal. We say the person we talked to, Gabriel Shamuelov, used the fake names Jason Caldwell and Matt Owens. Further, it is important to note that we did not know we were working with a broker during the entire scheme.


The names we were given (as alleged):

We were told we were working with “Matt Owens.” Later, a “Jason Caldwell” signed a paper as “legal representation,” Our complaint says neither was real.


We say the real person was Gabriel Shamuelov, tied to EZ Advance LLC. He used those fake names when he talked to me by phone, text, and email. (The email was matt@ezadvancellc.com.)


Gabriel Shamuelov, using the name "Matt Owens," claimed to work for SuperFast Capital.


What we were promised (as alleged):

We say “Matt” told us there were three rounds of loans:

  • $75,000 now

  • then $150,000

  • then $300,000


Importantly, he identified the funding as "loans", never once referring to it as a Merchant Cash Advance, which is exactly what it was.


He said the second and third rounds of funding were pre-approved once the first round was approved. He said no more business checks were needed. He said he worked at SuperFast Capital, that he knew the investors, and that he could make it happen.


The second round of funding ($150,000) would be received after about 13 weeks of payments.


This type of scheme is known within the Merchant Cash Advance industry as "Carroting" or "LOC Carroting". (LOC stands for Line of Credit)


Our complaint says the second and third rounds of funding were never real, and were used to coerce us into taking the first round of funding.


The papers we saw (as alleged):

We got addendums (extra pages) that outline all three rounds of funding sent to us through DocuSign. They had the SuperFast Capital logo. They looked official.


One addendum was “signed” by “Jason Caldwell,” who was said to be SuperFast’s lawyer.


Our complaint says those addendums were forged by Gabriel Shamuelov and EZ Advance LLC.


How the call was coached (as alleged):

Before the funding call (a check call), “Matt” coached us on what to say. He told us to say “no” if we were asked, “Were you promised more money?”


He made it clear that all 3 rounds of funding were already approved, but that the call we were about to have was only about the first round. He said the person who would call me would only know about the first round of funding. He said talking about the later rounds could “confuse” the call.


During the call, we said “no” because of the coaching. Our complaint says this coaching hid the truth and helped the deal go through. We further allege that Gabriel Shamuelov and EZ Advance had intimate knowledge of the funding process, and were able to present to us every step of the process clearly. This made them appear as legitimate employees of SuperFast Capital.


What happened with the money (as alleged):

After the funding call, we received $73,500 deposited into our bank account. Then we started paying around $2,500 every week.


We paid and paid, waiting to hit the 30% mark so the second round of $150,000 would come, just like “Matt” said.


The silence (as alleged):

When we reached the time for the next round, after 13 weeks of repayments, “Matt” stopped replying. Calls, texts, emails — nothing.


That is when we called SuperFast support to ask for “Matt Owens.” SuperFast said they had no employee by that name. When they asked for the reason for our call, we explained we were due to receive our second round of funding. They stated that there was no evidence of a second round of funding in their system.


At their request, we sent them the addendum we were given by "Matt". They told us clearly, “That is fraud.” Later, another staff member said our broker on file was EZ Advance LLC, and “Matt Owens” showed in their system as the EZ Advance broker who sent in our deal. This was the first we knew that we were working with a broker.


What we found about EZ Advance online (as alleged):

Our complaint says the EZ Advance website (EZAdvanceLLC.com) copied pages from a real lender (Rapid Finance, RapidFinance.com).


Some pages still showed Rapid’s name and logo. The site also made it sound like EZ Advance was the direct lender, which we say was not true — they were a broker.


What this means (as alleged):

  • We say EZ Advance was the front door.

  • We say the broker used fake names to win our trust.

  • We say he sent forged-looking papers with another company’s logo.

  • We say he coached the funding call so the deal would pass.

  • We say he never planned to send the next rounds.

  • We say this started a pipeline where other companies took over funding, debiting, and collecting.


What happened after we spoke up (as alleged):

We mailed demand letters to each address we could find for EZ Advance LLC. All mail came back “return to sender.”


From conversations with the whistleblower at SuperVest, we discovered that some of the Defendants (SuperVest, Top Choice Financial, and SuperFast Capital) actually knew the owner of EZ Advance LLC.


The whistleblower claims that a limited identification check was done, only by obtaining the owner's driver's license. The owner of EZ Advance LLC is Benjamin Kandhorov, aged 22 years old, located in Rego Park, New York.


According to the whistleblower, a copy of Benjamin Kandhorov's license was sent to the group from the email address Ben@EZAdvancellc.com. The signature on the email listed Ben Caffrey.


The bottom line about EZ Advance (as alleged):

Our complaint says EZ Advance, through Gabriel Shamuelov using the names “Matt Owens” and “Jason Caldwell,” tricked us into the first deal with false promises of more money, fake identities, and forged-looking papers, then coached the call to get it done.


That is how the fraud began. But this was only the beginning. We allege that EZ Advance was not acting alone, they were not a rogue broker.


The complaint alleges that EZ Advance LLC had intimate knowledge of the inner workings of the entire pipeline and process.


They were the at the forefront of the pipeline, responsible for finding merchants, and walking them through the process to secure a deal.


Want to check the details yourself?

This post summarizes our allegations. Read the filed complaint for the full story and exhibits. (Allegations only; the Court will decide.) 




If this happened to you: 

Please make a mca fraud report so we can track patterns and help other merchants.


MCAExposed’s job is to expose any mca scam and protect business owners from fraud.


The Company Information

(All information below is publicly available and is only listed for your convenience):



EZAdvanceLLC.com Homepage section says "Rapid Finance"
EZAdvanceLLC.com Homepage section says "Rapid Finance"




Have You Faced MCA Fraud?

If you or someone you know has been misled, overcharged, or trapped by a merchant cash advance, you are not alone. MCA Exposed is collecting reports to shine a light on these practices and hold the industry accountable. Your story can help protect other small businesses.

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