Terms of Service

BadCreditBusinessLoan.com is an independent funding brokerage. We are not a bank or a lender, and we do not make loans or fund advances ourselves. Our service is to learn about your business, present your request to third-party banks and funding partners, and help you compare the options they offer. All financing is originated, underwritten, approved, and funded by those third-party partners under their own terms.

Submitting an application does not guarantee that you will be approved for or offered any financing. Approval, amounts, rates, and terms are determined solely by the funding partners, based on their underwriting, your credit profile, time in business, revenue verification, and other factors. Not all applicants qualify. Any amounts or ranges shown on this site are illustrative and not an offer of credit.

You agree to provide accurate, complete, and current information, and to have the authority to submit it on behalf of your business. You agree to use the site lawfully and not to misuse it, attempt to disrupt it, or submit fraudulent information. You are responsible for maintaining the confidentiality of any information you share with us and our partners.

By submitting an application, you authorize BadCreditBusinessLoan.com and its funding partners to obtain business and personal credit reports and to verify the information you provide in order to assemble funding options, and you consent to be contacted about your application by phone, SMS, and email. A soft inquiry does not affect your credit score; a hard inquiry only occurs at a final offer with your consent.

BadCreditBusinessLoan.com may receive compensation from a funding partner when a funding offer you accept is closed. This does not change the terms you are offered, and our goal is always to bring you the option that genuinely fits your business.

The BadCreditBusinessLoan.com name, logo, content, and design are owned by BadCreditBusinessLoan.com LLC and protected by applicable laws. You may not copy, reproduce, or use them without permission, except as needed for ordinary personal use of the site.

The site and our brokerage services are provided “as is,” without warranties of any kind to the fullest extent permitted by law. BadCreditBusinessLoan.com is not responsible for the acts, omissions, decisions, or financing terms of third-party banks and partners. To the extent permitted by law, BadCreditBusinessLoan.com will not be liable for indirect, incidental, or consequential damages arising from your use of the site or services.

We may update these terms from time to time; continued use of the site means you accept the updated terms. These terms are governed by the laws of the State of California, without regard to conflict-of-law principles. See our Disclosures for additional licensing and regulatory information.