Phoenix Capital Solutions review: Fraud in financial services ( 1 comment)

PROBABLE FRAUD
DO NOT ENGAGE - Recommend immediate termination of any discussionsDUE DILIGENCE MEMORANDUM
DATE: January 19, 2026
TO: File / Investment Committee
FROM: Cabo Resort Development Partners, LLC
RE: Phoenix Capital Solutions - Fraud Assessment

RISK ASSESSMENT: HIGH RISK - PROBABLE FRAUD
DO NOT ENGAGE - Recommend immediate termination of any discussions

EXECUTIVE SUMMARY
Phoenix Capital Solutions, operating through the website phxcapsolutions.com and LinkedIn, exhibits multiple characteristics consistent with advance-fee fraud schemes commonly associated with SBLC/BG (Standby Letter of Credit / Bank Guarantee) investment scams. The entity solicits investors for purported large-scale project financing while displaying numerous red flags that strongly suggest fraudulent intent.
ENTITY INFORMATION
Legal Entity Name PHX Capital Solutions Corp
Principal Address 2101 Vista Parkway, Suite 124, West Palm Beach, FL 33411
Corporate Status DISSOLVED (May 5, 2025)
Website phxcapsolutions.com
Key Principal Joshua Stanley (President of Finance, EMD, MP)
SEC/FINRA Registration NONE FOUND

RED FLAGS IDENTIFIED
1. Dissolved Corporate Entity Still Soliciting Business
Per Florida Division of Corporations (Sunbiz) records, PHX Capital Solutions Corp was officially dissolved on May 5, 2025. Despite this dissolution, the company continues to maintain an active website (phxcapsolutions.com) and LinkedIn presence actively soliciting investors. Operating a dissolved corporation while soliciting investments constitutes potential securities fraud and deceptive business practices.
2. Classic SBLC/BG Fraud Structure
The LinkedIn post references SBLC (Standby Letter of Credit) and BG (Bank Guarantee) instruments. The SBLC/BG space is notoriously plagued by advance-fee fraud schemes. Industry experts identify these warning signs that Phoenix Capital Solutions exhibits:
• Claims of relationships with Tier-1 banks (HSBC, Citi, UBS, Barclays) without verifiable proof
• Made-up program acronyms (C.A.R.R., D.I.S.C., F.U.E.L.) designed to sound sophisticated
• Promise of MT760 instruments and SWIFT verification
• Claims that banks endorse Deed of Agreement (DOA) documents (banks do not do this)
3. Too-Good-To-Be-True Financing Terms
The entity advertises financing terms that are commercially impossible from any legitimate lender:
• 100% financing with no collateral required
• No credit score requirements, no personal guarantee
• Fixed 4.5% interest rates locked for 30 years
• No prepayment penalties, no balloon payments
• $250M minimum project floor (but will combine smaller projects)
• Financing available even without secured sites or identified properties
4. Questionable Principal Background
Joshua Stanley, listed as President of Finance, EMD, MP, has a professional background in water treatment systems and handyman services per LinkedIn records. Prior employers include Crystal Clear Water & Well Systems, Master Trust Prestige, and First Florida Services. This background is inconsistent with the claimed expertise in billion-dollar institutional finance and bank instrument monetization.
5. False Legitimacy Through IOLTA Claims
The website claims that client funds are held in "IOLTA trust accounts governed by state bar regulations." IOLTA (Interest on Lawyer Trust Accounts) accounts are attorney escrow accounts, not investment vehicles. This language is designed to create false legitimacy and implies involvement of attorneys who may not exist or have authorized such representations.
6. No Regulatory Registration
A search of SEC EDGAR, FINRA BrokerCheck, and the Investment Adviser Public Disclosure (IAPD) database reveals no registration for Phoenix Capital Solutions or PHX Capital Solutions as an investment adviser, broker-dealer, or exempt reporting adviser. The entity claims to facilitate securities transactions without proper registration.
7. Upfront Fee Structure
The website FAQ states: "A one time $250k retainer is paid from initial proceeds after closing." While framed as post-closing, the website also references "initial capital contribution" for "instrument issuance costs, compliance processing, SWIFT fees, and administrative expenses." This is the classic advance-fee fraud structure.