Legal Disclaimer and Disclosures

Nature of Services

Access Business Funding operates as a funding marketplace and broker, connecting businesses with appropriate lending partners. We are not a direct lender.

• We match businesses with lending partners from our network of 75+ lenders
• We do not make lending decisions or approve funding directly
• Final approval and funding terms are determined by individual lenders
• We facilitate the application process and provide guidance throughout

Rate and Term Disclosures

The rates and terms advertised on our website represent the range available through our lending network. Your actual rate and terms will depend on various factors including:

• Business revenue and cash flow
• Time in business
• Personal and business credit scores
• Industry type and risk profile
• Loan amount and purpose

APR Disclosure: Depending on the loan product and terms, Annual Percentage Rates (APRs) through our network may range from 10% to 99%. Factor rates do not directly translate to APR and the effective APR will depend on your repayment schedule.

Eligibility Disclaimers

The minimum requirements listed on our website are general guidelines. Meeting these minimums does not guarantee approval. Each lender in our network has unique underwriting criteria that may include:

• Industry-specific requirements
• Geographic restrictions
• Additional documentation needs
• Specific financial ratios or metrics

Pre-qualification is based on initial information provided and is not a guarantee of final approval. All funding offers are subject to final underwriting by the lending partner.

Fee Disclosures

Access Business Funding is committed to transparency in all fee structures:

• Application Fees: We charge NO upfront application fees
• Broker Fees: Our compensation is paid by the lender upon successful funding and is included in your rate quote
• Lender Fees: Individual lenders may charge origination fees, processing fees, or other costs
• Full Disclosure: All fees will be clearly disclosed before you accept any funding offer

Privacy and Data Use

By submitting an application through Access Business Funding, you acknowledge and agree that:

• Your information will be shared with multiple lenders in our network to find the best funding options
• Lenders may perform credit checks as part of their underwriting process
• We use secure, encrypted systems to protect your data
• You may receive communications from us and our lending partners regarding your application
• You can opt out of marketing communications at any time

State Licensing and Regulations

Access Business Funding and our lending partners operate in compliance with applicable state and federal regulations. Some products or lenders may not be available in all states. Lending laws and regulations vary by state, which may affect:

• Available loan products
• Maximum loan amounts
• Interest rate caps
• Required disclosures

Important Borrower Rights

As a borrower, you have the right to:

• Receive clear, written disclosure of all terms before accepting funding
• Compare multiple offers without obligation
• Ask questions and receive clarification on any terms
• Decline any offer without penalty
• File complaints with appropriate regulatory agencies if needed