Terms of Use
Effective Date: February 26, 2025
Welcome to Small Business Capital. These Terms of Use govern your access and use of our website, services, and any communications related to our business financing solutions. By accessing or using our website (the “Site”) or services, you agree to comply with these terms. If you do not agree, you should not use our Site or services.
1. Acceptance of Terms
By accessing our Site or using our services, you acknowledge that you have read, understood, and agreed to these Terms of Use as well as our Privacy Policy. We reserve the right to update, modify, or change these terms at any time without prior notice. Your continued use of our Site or services after changes take effect constitutes your acceptance of the updated terms.
2. Services Provided
Small Business Capital provides business financing solutions, including but not limited to:
✔ Small business loans
✔ Equipment financing
✔ Business lines of credit
✔ Commercial real estate loans
✔ Invoice & accounts receivable financing
✔ Startup funding
✔ Franchise financing
✔ Other financial services
Our services are intended for business owners, entrepreneurs, and individuals seeking financial solutions. Approval for financing is subject to our underwriting process and lender requirements.
3. Eligibility & Compliance
To use our Site or services, you must:
✔ Be at least 18 years old and legally able to enter into a contract.
✔ Provide accurate and complete information when applying for financing.
✔ Use our Site and services in compliance with applicable laws and regulations.
We reserve the right to refuse service to anyone at our discretion, especially if we suspect fraudulent activity, misrepresentation, or violations of these Terms.
4. Privacy & Data Collection
By using our Site or submitting any personal or business information, you acknowledge and agree to our Privacy Policy, which explains how we collect, use, store, and share your information.
✔ Data Usage: We may share your information with lenders, financial partners, and third-party service providers to provide financing solutions.
✔ Marketing Communications: By providing your contact details, you consent to receive calls, SMS, and emails related to financing options. You can opt out anytime.
✔ Cookies & Tracking: We use cookies, web beacons, and tracking technologies to enhance user experience and deliver personalized ads.
For more details on opting out or managing data preferences, please review our Privacy Policy.
5. Loan Application & Approval Process
Applying for a loan through Small Business Capital does not guarantee approval. Loan approvals are based on lender-specific requirements, including:
✔ Business revenue & cash flow
✔ Credit history & financial background
✔ Collateral (if applicable)
✔ Industry & business type
We do not guarantee specific loan amounts, interest rates, or approval timelines. All loan terms, repayment schedules, and conditions are determined by the lenders, not Small Business Capital.
6. Third-Party Lenders & Financial Partners
We work with multiple lenders, banks, and financial institutions to provide loan options. Small Business Capital is not a lender and does not make credit decisions. When you apply for financing through us:
✔ Your information may be shared with lenders for loan consideration.
✔ You may be contacted by third-party lenders regarding your application.
✔ Loan agreements, terms, and conditions will be between you and the lender, not Small Business Capital.
We do not control lender decisions, rates, or policies. Please review all loan terms carefully before signing any agreement.
7. Fees & Charges
✔ Our services may be free for applicants, but some lenders may charge fees for loan processing, origination, or early repayment.
✔ If we charge any fees, they will be disclosed upfront before proceeding with a loan application.
✔ You are responsible for understanding and agreeing to all costs associated with your loan before accepting any funding.
8. Prohibited Uses of Our Site & Services
By using our Site, you agree not to:
🚫 Use false, misleading, or fraudulent information in your loan application.
🚫 Attempt to hack, disrupt, or interfere with our website’s operations.
🚫 Copy, distribute, or resell our services without written permission.
🚫 Use our Site for illegal activities, spam, or unauthorized data collection.
🚫 Submit information on behalf of someone else without their consent.
Violating these terms may result in account termination, legal action, or reporting to authorities.
9. Intellectual Property
✔ All content on our Site, including logos, text, graphics, and proprietary tools, is owned by Small Business Capital or licensed for use.
✔ You may not copy, reproduce, modify, distribute, or commercially exploit our content without prior written consent.
✔ Unauthorized use of our brand, trademarks, or copyrighted materials may lead to legal consequences.
10. Limitation of Liability
We strive to provide accurate and up-to-date information, but we do not guarantee:
✔ The accuracy, completeness, or reliability of our Site’s content.
✔ That loan approvals or funding amounts will meet your expectations.
✔ That our Site will be free from technical issues, downtime, or errors.
We are not responsible for financial losses, loan denials, or damages resulting from your use of our Site or third-party lender agreements.
11. Indemnification
You agree to hold Small Business Capital harmless from any claims, damages, or liabilities arising from:
✔ Your use of our services or website.
✔ Any disputes with lenders or third-party financial partners.
✔ Your failure to comply with loan terms or financial agreements.
12. Dispute Resolution & Governing Law
✔ All disputes related to these Terms shall be resolved through binding arbitration in accordance with applicable state and federal laws.
✔ This agreement shall be governed by the laws of Georgia, without regard to conflict-of-law principles.
✔ Any legal claims must be filed within one year of the event giving rise to the dispute.
13. Changes to These Terms
We reserve the right to update, modify, or change these Terms of Use at any time. The latest version will always be available on our Site. Continued use of our Site or services after changes take effect constitutes acceptance of the updated terms.
14. Contact Us
For questions about these Terms, loan applications, or data privacy:
📧 Email: info@smallbusiness.capital
📞 Phone: (888) 365-7999
📍 Address: 1116 Sapelo Ave NE, Townsend, GA 31331
By using our Site and services, you acknowledge and agree to these Terms of Use. If you do not agree, please discontinue use immediately.
Get the Funding You Need – Apply Now!
If you’re ready to explore financing options, Small Business Capital is here to help. Call us today at (888) 365-7999, or click below to start your application.