Top Choice Financial: The Servicer in the Pipeline
- MCA Exposed
- May 30
- 4 min read
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 Top Choice Financial LLC was the servicing arm of the entire operation. On paper, they were the Authorized Sub-Servicing Agent and General Agent of the Purchaser, meaning they handled the flow of funds after funding began.
Their name appeared in the small print of the contract, but they were never introduced to us during the funding process. According to our complaint, they are not just a payment processor; they were a key link between the paper funder, Alternative Capital Group LLC, and the actual funder and investment platform, Supervest.
Publicly, Top Choice describes itself as a technology and syndication platform that connects brokers and funders. But behind the scenes, they were the company that connected fraudulent brokers to shady investment platforms. Acting as the middleman and moving the money between the entities, they exist to prevent Supervest from having to use its own entity name in contracts.
In fact, according to publicly accessible case files, the LLC Manager of Alternative Capital Group LLC is Steve Kirincic, who is the Director of Business Development at Supervest.
This is a critical detail because Supervest owns Top Choice Financial LLC. Which means that the flow of money is as follows:
Private investor → Supervest → Top Choice Financial → Alternative Capital Group → Merchant
What they say they do (as alleged):
Their website, TopChoiceFinancial.com, paints a polished picture. They claim to offer “syndication services, detailed deal tracking, portfolio reporting, and transparent communication to help funders maintain strong relationships with syndicate partners.”
They also advertise low-cost ACH processing, saying they can automatically debit merchants daily, weekly, or monthly and provide “real-time updates on payment status, such as NSF or rejections.”
In reality, our complaint says that Top Choice’s ACH systems were used to withdraw money from merchants like us under false pretenses — to enforce contracts born of fraud and forgery.
What they did in our case (as alleged)
After funding, Top Choice began withdrawing payments weekly from our business account.
When we discovered the fraud and sent demand letters, our complaint says Top Choice never stopped debiting our account. They did not investigate the claims, pause servicing, or contact us for clarification. They continued pulling money on behalf of others in the pipeline. If Top Choice Financial were truly an independent company and were acting of its own free will, it would have been quick to contact us to verify the claims. Since they claim to be the ACH processor, they are responsible for ensuring the legality and enforceability of all money movements that they conduct.
Our complaint says that by continuing to service and enforce payments under a fraudulent contract, Top Choice Financial became an aider and abettor of the fraud.
How their system fits into the fraud (as alleged)
The pipeline worked like this:
EZ Advance found the merchants
Alternative Capital Group appeared on paper as the “Purchaser”
Top Choice Financial handled the ACH Processing
Cure Payment Recovery handled customer service for the Merchant
Supervest financed the deals and shared in the profits
We say Top Choice was the connection that made it all work — their software and ACH system automatically pulled the money, ensuring the pipeline kept flowing even after fraud complaints were raised.
What we discovered (as alleged)
Our investigation revealed that Top Choice Financial was acquired by Supervest and operated out of the same New York office. According to public filings and eyewitness verification at 61 Broadway, Unit 1901, both companies share or once shared the same location, and even the same employees.
When we sent formal demand letters to multiple addresses for Top Choice, every piece of mail came back return to sender.
We had a representative visit the building to confirm the address. Security confirmed that Supervest used to occupy that unit, but said there was no listing for Top Choice Financial.
This overlap, we allege, shows the companies were not truly independent — but rather different faces of the same operation.
What this means (as alleged)
Our complaint says Top Choice Financial LLC was the servicing engine that kept a fraudulent network running.
They handled ACH debits on fraudulent contracts
They ignored written notices of fraud
They shared offices and staff with the investment platform that funded the deals
They operated as both a collections servicer and internal tool for the broader enterprise
We allege that Top Choice’s systems were integrated with the funding and syndication process, allowing them to control both the merchant’s payments and the investor’s returns — a conflict at the heart of the case.
The bottom line about Top Choice (as alleged)
Our complaint says Top Choice Financial LLC wasn’t just a back-office processor — they were an active part of an enterprise that turned fraudulent MCA agreements into automated, enforceable payment streams.
They were the hands pulling the money, the system hiding behind other names, and the company that helped keep the scheme alive even after the fraud was reported.
The Court will decide the facts.
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.)
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The Company Information
(All information below is publicly available and is only listed for your convenience):
Entity Name:
Top Choice Financial LLC, NYDOS ID 7335750, filed 05/22/2024
Top Choice Financial LLC, DEDOS ID 5036973, filed 02/09/2021
Possible Related Entities:
Supervest, Inc., DEDOS 7757361, filed 12/17/2019
Supervest MCA, LLC, DEDOS 7553118, filed 08/08/2019
SV Capital Management, LLC, DEDOS 7112224, filed 10/31/2022
Supervest Investments LLC, DEDOS 4985712, filed 02/04/2021
Supervest Technologies, LLC, DEDOS 4643705, filed 01/06/2021
Associated Phone Numbers:
609-553-9092
Associated Email Addresses:
Website: TopChoiceFinancial.com
Associated Addresses:
61 Broadway, unit 1901 New York, NY 10006
1500 Broadway, 2022, New York, NY 10036
Associated Individuals:
