Funding Empire Reviews 

Funding by Empire is SO unprofessional!!! They contacted us, offered us a bid on our property and we accepted. We signed a contract, at first they were contacting us and if we had questions we were able to contact them. One week in they started ghosting us. They wouldn't answer any of our text messages nor any of our phone calls. We had to wait a whole month so the contract could expire before we could move forward! This cost us time and money!!! BEWARE WITH DOING BUSINESS WITH THEM!!!

Would definitely recommend to anyone!
They helped me close on my property within 30 days, good people

Empire Settlement Funding, run by the disgraceful Kristy Joseph, is nothing more than a predatory scam designed to exploit people in need. She operates with zero professionalism, refusing to answer calls, dodging clients, and intentionally delaying the release of funds with excuse after excuse. When confronted, she doesn’t resolve issues—she simply blocks customers, a clear sign of a dishonest and fraudulent operation.

This is not just negligence; it’s deliberate financial misconduct. Kristy Joseph has built a business model based on deception, withholding money that rightfully belongs to clients while profiting from their desperation. Her actions are fraudulent, unethical, and potentially illegal.

If you are considering doing business with Empire Settlement Funding, RUN. Do not fall victim to this scam. Report her, warn others, and seek legal action if necessary—because people like her should not be allowed to continue preying on unsuspecting clients.

Scam artist. The owner promised to pay a certain before we cleaned out a house for them, once the job was done they said they aren't paying . Owner called yelling at me saying he travels the world and is wearing a 100k watch. Very unprofessional. Huge scam...stary away from these guys

Complete scam artists and extremely unprofessional. Will straight up lie to you and not listen to your needs/wishes

Chad Rothrock is a liar. He told me he was going to pay a certain price, we had a written contract signed by both parties and then he backed out. Don't waste your time listening to him.

SCAM - SCAM - SCAM - SCAM - SCAM - SCAM
This company and it's associates are a SCAM! We had a contract on our home and the consultant, Chad Ruthroth and the owner, David SINCE March 4, 2024...insisted on us accepting their offer that day...and we did. We agreed upon the price and they assured us weekly that we would get the deal done...we trusted Chad and took him at his word, even when he tried to lower his offer, we were assured by him that "We will continue moving forward at the $xxx price" (the price we agreed upon). We were in constant contact with him and when he asked a second time if we would go to a lower price than our contract stated...we said we have come as low as we can and even questioned if they were going to back out of the deal and Chad and David assured us that they weren't backing out. WELL GUESS WHAT, TODAY THEY BACKED OUT!

They never once gave a contingency on the offer, they constantly assured us that they would honor our contract. Because of their appearance of honesty, we put money down on a house being built...we told Chad about this with their assurance of a completed deal. Now we are devastated...

Apparently, Integrity; Honesty; Candid communication and Trust are not what this company aspires to.

By the way...they have not made any efforts to give the Earnest Money back either...

I WOULD NOT RECOMMEND THIS COMPANY TO ANYONE!!

Funding by Empire is a scam, they signed a purchase agreement to buy my house, if not, I can keep the Ernest money, they did not honor the contract and did not give me the Ernest money. They held my house for two months during that period I declined 3 rental offers. They are professional scamers.

Unable to contact anyone at Funding Empire via email or the internal message system. I am still waiting for my withdrawal to appear into my bank account.

I have been lending with Funding Empire since they launched around a year ago. I am making around 14% and have yet to experience any late payments or defaults.

I have made contact with them several times through the year and have been extremely impressed with the customer service I have received. I also spoke with them recently about their deal flow and was told that they would be launching a new asset backed model imminently which would provide a larger number of loans for investors to participate in. Looking at their site today, I notice they now mention this new asset backed model which I am eager to get involved in once they start listing these new loans.

I have introduced around 5 other friends and family members to the platform and all have had an excellent experience to date, long may it continue!

Funding Empire have one of the easiest to use sites among p2p lenders, and the deals they've listed so far have been, in my opinion, high quality with good rates for investors. I've spoken several times with the team running the site and I've been very impressed by their openness, accessibility and professionalism. Personal contact is for me an important part of gaining trust in the p2p space and the Funding Empire team have given me plenty of confidence in their operation.

Choice is subject to knowledge and with funding for small and new businesses becoming harder and harder to achieve, Funding Empire delivers for both sides (borrowers and lenders). Increasing competition and choice compared to high street banks and traditional financing methods. Funding Empire helps businesses that are struggling to access finance, whilst providing lenders with a better return on their investment. The perfect coupling and an impressive start for such a young company.

Funding Empire has been an excellent investment platform for me, unique in that not one of their loans has ever defaulted. However, it now appears to be winding down, no new investments are available, so there is no point now in investing here.

Niche, competitive finance for entrepreneurs, filling a gap and solving a problem for funding a growing business. Knowledgable people and competitive rates, with a great informative website, for lenders and borrowers.

Funding Empire is an extremely intuitive and well presented interface for lending. Withdrawals and deposits are processed very quickly. Returns on all my investments have come through as expected.

Having been an investor with funding empire since the start of go live, I have grown a great deal of trust and confidence in there approach to deal with matters and be on hand to help with any issues. I am looking forward to the success of their future.

Being new to this type of investment I found the site easy to use and understand. The few queries I have had have been answered very quickly and with enough detail to let me continue with my initial investments.

A few more deals on the platform would be beneficial going forward.

Funding Empire has a site which is straightforward and is good at supplying basic information. It doesn't supply more in-depth information visually, as per Funding Knight.
The number of Borrowers so far has been limited, although a new one has been approved recently. Also the Borrowers are all at the higher risk end, or are new businesses with little financial history.
I would prefer a wider choice of available Borrowers so as to spread the risk of default.

The platform is simple to use with a wealth of information on your "Home" page. Unfortunately the flow of loans is slow but they are all performing well with no problems to date. There is a secondary market but sellers are looking for an average 3% premium and this appears to deter buyers. Rates are generally good, however the loans are not asset secured making them a bit riskier than others. Issues are quickly resolved by the "team".

Although the crowdfunding/P2P market is still fairly new to many it's good to deal with a business that is transparent in what it does and provides first class service. I would recommend Funding Empire to anyone looking to enter the crowdfunding world.