Disclosures
Effective Date: February 26, 2025
At Small Business Capital, transparency and compliance are fundamental to how we conduct business. This Disclosures page provides important legal and regulatory information about our lending services, partnerships, and website usage. By using our website and services, you acknowledge that you have read and agree to the terms outlined in this document.
For additional information regarding our policies, please review our Privacy Policy, Terms of Use, and Security Policy.
1. General Disclosure
Small Business Capital is not a direct lender. We are a loan brokerage and financial services provider that works with a network of third-party lenders, banks, and financial institutions to connect businesses with funding opportunities. Loan approvals, interest rates, and terms are determined by our lending partners, not Small Business Capital.
We do not guarantee:
✔ Loan approvals or specific funding amounts.
✔ Interest rates, loan terms, or lender decisions.
✔ Funding timelines, as they vary by lender and loan type.
All loan agreements and financial transactions are solely between the borrower and the lender. Borrowers should carefully review loan agreements, terms, and disclosures provided by the lender before accepting any financing.
2. Regulatory Compliance & State Licensing
Small Business Capital operates in compliance with federal and state lending laws. While we are not a direct lender, we partner with licensed financial institutions that adhere to regulatory requirements, including but not limited to:
✔ Truth in Lending Act (TILA) – Ensuring clear disclosure of loan terms and fees.
✔ Equal Credit Opportunity Act (ECOA) – Preventing discrimination in lending decisions.
✔ Fair Credit Reporting Act (FCRA) – Governing the use of consumer credit information.
✔ Gramm-Leach-Bliley Act (GLBA) – Protecting consumer financial data and privacy.
Laws governing small business loans, consumer financing, and credit agreements vary by state. Borrowers should review local regulations or consult with a financial advisor before securing funding.
3. Fees, Interest Rates, & Loan Terms
Loan interest rates, repayment terms, and associated fees are set by the lender and are based on factors such as:
✔ Business revenue & financial health.
✔ Personal & business credit scores.
✔ Collateral or security (if required).
✔ Loan type, amount, and duration.
Interest rates may vary based on creditworthiness, loan structure, and lender policies. Some lenders may charge origination fees, closing costs, or prepayment penalties. These fees will be disclosed in your loan agreement before accepting financing.
We strongly recommend that borrowers:
•Compare multiple loan offers before making a decision.
•Read all terms and conditions carefully to understand repayment obligations.
•Ask lenders about hidden fees, penalties, and prepayment policies before signing.
If you have questions about loan terms, you may contact us at info@smallbusiness.capital before proceeding with an application.
4. Credit Reporting & Impact on Your Credit Score
When you apply for a loan through Small Business Capital, your credit report may be accessed by lenders to determine eligibility and loan terms. This can include:
✔ Soft Credit Inquiries – Used for prequalification and do not impact your credit score.
✔ Hard Credit Inquiries – Performed by lenders when processing formal loan applications, which may temporarily affect your credit score.
Not all loan applications require a hard credit pull. If credit checks are performed, they will be disclosed before proceeding with an application.
Failure to repay a loan may result in:
•Negative reporting to business and personal credit bureaus (Dun & Bradstreet, Experian, Equifax).
•Debt collection efforts or legal action by the lender.
•Increased difficulty obtaining future financing.
It is the borrower’s responsibility to make timely payments and adhere to the loan agreement to maintain a strong credit profile.
5. Third-Party Relationships & Data Sharing
By submitting an application or inquiry, you consent to:
✔ Your information being shared with lenders, financial institutions, and service providers to facilitate loan processing.
✔ Communication via phone, SMS, and email regarding financing options, application status, and loan offers.
✔ Use of your data for marketing, analytics, and remarketing purposes (as outlined in our Privacy Policy).
We do not sell, trade, or misuse sensitive financial data. Data is shared only with lending partners and affiliates necessary to provide financing solutions. You can opt out of marketing communications by contacting us at info@smallbusiness.capital.
For more details on how we protect your data, please review our Security Policy.
6. Risks & Borrower Responsibilities
Borrowers should carefully assess the risks associated with taking out a loan, including:
✔ Repayment Obligations – Loans must be repaid according to the agreed schedule, regardless of business performance.
✔ Interest Costs – Some loan structures may carry high-interest rates, which could impact profitability.
✔ Collateral Requirements – Certain loans require business or personal assets as security.
✔ Debt Accumulation – Borrowers should avoid over-leveraging and ensure they can manage multiple financial obligations.
We strongly encourage borrowers to consult a financial advisor, attorney, or accountant before securing large financing commitments.
7. Changes to This Disclosure Policy
We may update this Disclosures page at any time to reflect changes in legal requirements, lender partnerships, or business practices. Updates will be posted on this page with a new effective date. Continued use of our Site and services constitutes acceptance of any changes.
8. Contact Information
If you have questions about this Disclosures Policy or our lending services, please contact us:
📧 Email: info@smallbusiness.capital
📞 Phone: (888) 365-7999
📍 Mailing Address: 1116 Sapelo Ave NE, Townsend, GA 31331
By using our services, you acknowledge that you have read, understood, and agreed to these disclosures. If you do not agree, please discontinue use of our website and services immediately.
Small Business Capital – Your Trusted Partner in Business Financing!
We are committed to transparency, compliance, and responsible lending. If you have any concerns, please reach out to our team for assistance!