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Terms & Conditions

Last updated: March 17, 2026

1. Acceptance of Terms

By accessing or using smallbusiness.capital (the "Site"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use this Site. These Terms apply to all visitors, users, and others who access the Site. Products offered through our network may include term loans, lines of credit, equipment financing, revenue-based financing, and merchant cash advances.

2. About Our Service

Small Business Capital is operated by Proper Provider Companies LLC. We are a lead generation and referral service that connects small business owners with third-party lenders and funding providers.

We are not a lender, broker, or financial advisor. We do not make credit decisions, set loan terms, or guarantee funding approval. All lending decisions are made solely by the lender. Loan approval, amounts, rates, fees, and terms vary by lender and applicant qualifications.

3. No Guarantee of Approval

Submitting a form on our Site does not guarantee that you will receive a loan offer, be approved for financing, or receive any particular loan amount or interest rate. We make no representations or warranties regarding the availability, terms, or suitability of any loan product.

4. Eligibility

By using this Site, you represent that you are at least 18 years of age, a legal resident of the United States, and authorized to apply for business financing on behalf of your business. You agree to provide accurate, complete, and truthful information in all forms submitted on this Site.

5. Consent to Contact

By submitting a form on our Site, you consent to be contacted by Small Business Capital and its lending partners via phone, email, and text message at the contact information you provided, including through automated dialing systems or pre-recorded messages. Consent is not required as a condition of obtaining any product or service. You may opt out at any time.

6. Third-Party Lenders

We work with a network of third-party lenders and funding providers. We are not responsible for the actions, decisions, products, or services of any third-party lender. Any loan agreement you enter into is solely between you and the lender. We encourage you to carefully review all loan terms before signing any agreement.

7. Accuracy of Information

We strive to provide accurate and up-to-date information on our Site, but we make no warranties regarding the completeness, accuracy, or reliability of any content. Loan program details, rates, and requirements are subject to change without notice.

8. Intellectual Property

All content on this Site, including text, graphics, logos, and code, is the property of Proper Provider Companies LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.

9. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, Proper Provider Companies LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or any loan products obtained through our referral service. Our total liability to you for any claim shall not exceed $100.

11. Indemnification

You agree to indemnify and hold harmless Proper Provider Companies LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Site, your violation of these Terms, or your submission of false or inaccurate information.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Erie County, New York.

13. Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective upon posting to this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms.

14. Contact Us

If you have questions about these Terms & Conditions, please contact us: