Get a Business Loan Terms and Conditions
1. About Get a Business Loan
Directly fund commercial financing to qualified businesses.
Introduce businesses to one or more vetted independent lending partners or financing providers when a partner is better suited to a business’s needs.
Assist applicants with preparing and submitting financing applications.
Collect information necessary to evaluate financing opportunities.
Facilitate communication between applicants and funding providers.
Provide educational resources regarding commercial financing products.
Get a Business Loan is not a bank, credit union, or government agency. Get a Business Loan is not a lending marketplace or lead-generation service.
2. Acceptance of Terms
You are at least eighteen (18) years of age.
You possess the legal authority to enter into binding agreements.
You are acting on behalf of yourself or an authorized business entity.
All information you submit is accurate, complete, and truthful.
You agree to comply with all applicable federal, state, and local laws.
3. Business Purpose
4. Eligibility
Eligibility for financing varies by lender and financing program.
General eligibility factors may include:
- Time in business
- Monthly or annual business revenue
- Cash flow
- Industry
- Business location
- Credit history
- Existing business obligations
- Bank account activity
- Ownership structure
- Compliance with lender underwriting guidelines
Meeting general eligibility criteria does not guarantee approval. Each lender maintains its own underwriting policies and reserves the right to approve or decline any application.
5. No Guarantee of Approval
Get a Business Loan does not guarantee:
- Financing approval
- Specific loan amounts
- Interest rates
- Factor rates
- Fees
- Repayment terms
- Funding speed
- Loan products
- Renewal eligibility
- Future financing availability
Any funding examples shown on this website are provided for informational purposes only.
Actual financing offers depend on numerous factors including your business qualifications, lender requirements, market conditions, and underwriting results.
Nothing on this website constitutes a promise or commitment to provide financing.
6. Direct Funding and Independent Lending Partners
Get a Business Loan may fund commercial financing directly. In addition, Get a Business Loan maintains relationships with a network of vetted independent lenders and financing providers for situations where a partner is better suited to a business’s needs.
When you request financing, your request may be evaluated by Get a Business Loan for direct funding and, where appropriate, reviewed by one or more independent funding partners in an effort to identify financing opportunities that may meet your business needs.
Where financing is provided by an independent lending partner, that lender:
Makes its own credit decision.
Determines its own pricing.
Establishes its own underwriting guidelines.
May require additional documentation.
May perform additional verification.
Maintains its own legal agreements.
Any financing agreement entered into between you and an independent lending partner is solely between you and that partner. Get a Business Loan is not responsible for the terms, conditions, decisions, products, or services offered by third-party financing providers. This limitation does not apply to financing that Get a Business Loan funds directly, which is governed by the applicable financing agreement between you and Get a Business Loan.
7. Educational Content
- Legal advice
- Tax advice
- Accounting advice
- Financial planning advice
- Investment advice
- Lending commitments
8. Website Availability
- Maintenance
- Software updates
- Security events
- Internet outages
- Third-party service failures
- System upgrades
- Technical issues beyond our control
9. Modifications to the Services
- Website content
- Financing products
- Educational materials
- Technology platforms
- Online applications
- Customer portals
- Communication tools
- Third-party integrations
10. Changes to These Terms
Get a Business Loan reserves the right to update or revise these Terms at any time.
The “Effective Date” shown at the top of these Terms will indicate when changes become effective. Material updates may also be communicated through our website, email, or other reasonable methods.
Your continued use of the Services after revised Terms become effective constitutes your acceptance of the updated Terms.
11. Financing Applications
When you submit an inquiry or application through Get a Business Loan, you agree that all information you provide is complete, accurate, current, and truthful.
Information requested may include, but is not limited to:
- Business legal name
- DBA (Doing Business As), if applicable
- Business address
- Employer Identification Number (EIN)
- Business formation information
- Ownership information
- Contact information
- Annual and monthly revenue
- Banking information
- Industry classification
- Time in business
- Requested funding amount
- Intended use of funds
- Government-issued identification
- Supporting financial documentation
You agree to promptly notify Get a Business Loan if any material information changes while your application is under review.
Knowingly submitting false, misleading, incomplete, or fraudulent information may result in denial of your application, cancellation of services, reporting to applicable authorities, and any other remedies available under law.
12. Documentation Requirements
Depending upon the financing program and lender requirements, you may be asked to provide documentation including but not limited to:
- Business bank statements
- Driver’s license or government-issued identification
- Voided business check
- Bank verification
- Articles of Incorporation or Organization
- Business licenses
- Tax returns
- Profit and loss statements
- Balance sheets
- Merchant processing statements
- Accounts receivable reports
- Proof of business ownership
- Lease agreements
- Utility bills
Other documentation reasonably requested by Get a Business Loan or participating lenders.
Providing requested documentation promptly helps expedite the underwriting process. Failure to provide requested documentation may delay or prevent financing consideration.
13. Identity Verification
- Government-issued identification
- Business registration verification
- Banking verification
- Address verification
- Ownership verification
- Electronic identity verification
- Knowledge-based authentication
- Third-party verification services
14. Fraud Prevention
- Altered bank statements
- Identity theft
- Misrepresentation of revenue
- Fictitious businesses
- Forged documentation
- Unauthorized applications
- Misrepresented ownership
- False banking information
15. Credit Authorization
By submitting an application, you expressly authorize Get a Business Loan and its lending partners to:
Review your business information.
Verify information provided in your application.
Obtain business credit reports where permitted.
Obtain consumer credit reports when authorized and legally permissible.
Verify banking information.
Verify business ownership.
Verify public records.
Verify licensing information.
Contact references or business contacts you provide.
Request additional documentation necessary to evaluate financing opportunities.
Certain lenders may conduct a soft credit inquiry during the prequalification process. If a hard credit inquiry becomes necessary, the lender will generally provide any required disclosures before proceeding.
16. Bank Verification
- Account ownership
- Deposit history
- Average balances
- Banking activity
- Account status
17. No Obligation to Provide Financing
- Approve financing
- Continue processing your application
- Make an offer
- Provide a specific product
- Extend any financing
18. Customer Responsibilities
You agree to:
Provide accurate information.
Cooperate with reasonable verification requests.
Submit requested documents promptly.
Maintain lawful business operations.
Notify us of material changes affecting your application.
Keep your contact information current.
Protect the confidentiality of your account credentials.
Failure to satisfy these responsibilities may delay or terminate your financing review.
19. Prohibited Activities
You agree not to:
Submit false information.
Use another person’s identity.
Attempt to interfere with website security.
Upload malicious software.
Attempt unauthorized access.
Reverse engineer website functionality.
Scrape or harvest website data without permission.
Misrepresent your business.
Use automated systems to submit fraudulent applications.
Engage in activities that violate applicable laws.
Get a Business Loan reserves the right to suspend or permanently terminate access for violations of these Terms.
20. Account Security
- Unauthorized access
- Password compromise
- Fraudulent activity
- Identity theft
- Unauthorized use of your account
21. Communication During the Application Process
- Telephone
- SMS/text message
- Live chat
- Secure customer portal
- Postal mail
- Application updates
- Requests for documentation
- Identity verification
- Funding offers
- Status notifications
- Customer service
- Account maintenance
22. Electronic Communications (E-SIGN Consent)
- Application confirmations
- Funding updates
- Requests for documentation
- Approval or decline notifications
- Agreements and disclosures
- Payment information
- Account notifications
- Customer service communications
- Security alerts
- Legal notices
23. SMS and Text Messaging Communications
24. Email Communications
By providing your email address, you consent to receive electronic communications relating to your relationship with Get a Business Loan.
These communications may include:
- Application updates
- Requests for documentation
- Financing offers
- Educational resources
- Customer service responses
- Security notifications
- Account communications
- Legal notices
If you separately subscribe to marketing emails, you may unsubscribe at any time by using the unsubscribe link contained within the email or by contacting us directly.
Even after unsubscribing from promotional communications, we may continue sending transactional or legally required communications regarding your application or account.
25. WhatsApp Communications
If you voluntarily initiate communication with Get a Business Loan through WhatsApp or expressly consent to communicate through WhatsApp, you authorize us to respond using that platform.
WhatsApp communications may include:
- Customer support
- Application assistance
- Requests for documentation
- Status updates
- Appointment scheduling
- General business communications
WhatsApp is operated by a third party and is subject to its own terms, privacy policies, and security practices.
Get a Business Loan cannot guarantee the security or availability of third-party messaging platforms and encourages customers not to transmit highly sensitive financial information through unsecured messaging services unless specifically requested through secure procedures.
26. Artificial Intelligence and Automated Services
- Answering frequently asked questions
- Collecting application information
- Scheduling appointments
- Routing inquiries
- Providing educational information
- Sending reminders
- Tracking application status
27. Call Recording and Quality Assurance
28. Intellectual Property Rights
All content available through the Get a Business Loan website is the exclusive property of Get a Business Loan or its licensors unless otherwise indicated.
Protected content includes, but is not limited to:
- Logos
- Trademarks
- Service marks
- Trade dress
- Website design
- Graphics
- Icons
- Images
- Videos
- Audio
- Written content
- Blog articles
- Knowledge base articles
- FAQs
- Downloadable resources
- Software
- Databases
- Source code
- Proprietary tools
Nothing contained within the Services grants any license or ownership rights except the limited right to access and use the website for lawful business purposes.
29. Limited License
Get a Business Loan grants users a limited, non-exclusive, non-transferable, revocable license to access and use the website solely for legitimate business purposes.
You may not:
Copy website content for commercial purposes.
Republish articles without written permission.
Modify copyrighted materials.
Sell or distribute website content.
Reverse engineer website functionality.
Create derivative works.
Use automated scraping tools without authorization.
Remove copyright notices.
Frame or mirror portions of the website.
Unauthorized use may result in legal action.
30. Third-Party Websites and Services
31. Website Accuracy
- Complete
- Accurate
- Current
- Error-free
- Uninterrupted
- Suitable for every business
32. No Professional Advice
- Legal advice
- Tax advice
- Accounting advice
- Financial planning advice
- Investment advice
- Lending advice
- Regulatory advice
33. No Warranty
- Merchantability
- Fitness for a particular purpose
- Non-infringement
- Availability
- Accuracy
- Reliability
- Security
- Performance
34. Limitation of Liability
To the fullest extent permitted by applicable law, Get a Business Loan, its affiliates, subsidiaries, officers, directors, employees, contractors, agents, licensors, service providers, and lending partners shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising from or relating to:
Your use of or inability to use the Services.
Financing decisions made by third-party lenders.
Loan approvals or denials.
Interest rates, factor rates, fees, or repayment terms offered by lenders.
Delays in underwriting or funding.
Lost business opportunities.
Lost profits.
Loss of revenue.
Business interruption.
Data loss.
Unauthorized access to your information resulting from events beyond our reasonable control.
Technical errors, website outages, or system failures.
Third-party software, websites, or service providers.
Get a Business Loan does not guarantee that financing will be available or that any lender will approve your application. In jurisdictions where limitations of liability are restricted, liability shall be limited to the maximum extent permitted by applicable law.
35. No Liability for Independent Lender Decisions
Get a Business Loan does not make underwriting decisions on behalf of independent lending partners. Accordingly, with respect to financing provided by an independent lending partner, Get a Business Loan is not responsible for:
Loan denials.
Counteroffers.
Funding amounts.
Pricing.
Repayment schedules.
Renewal decisions.
Collections practices.
Servicing activities.
Modifications of financing agreements.
Those decisions remain solely within the discretion of the applicable independent financing provider. This section applies only to financing provided by independent lending partners and does not limit Get a Business Loan’s obligations under any financing agreement it enters into directly with you.
36. User Assumption of Risk
You acknowledge that commercial financing involves business risk. You assume sole responsibility for:
Evaluating financing offers.
Determining affordability.
Reviewing repayment obligations.
Consulting legal, accounting, or tax professionals when appropriate.
Making business decisions based upon your own independent judgment.
Get a Business Loan does not guarantee that any financing product is appropriate for your specific circumstances.
37. Indemnification
You agree to defend, indemnify, and hold harmless Get a Business Loan, its officers, directors, employees, contractors, affiliates, successors, assigns, service providers, and lending partners from and against any claims, liabilities, damages, judgments, settlements, penalties, losses, costs, expenses, or attorneys’ fees arising out of or relating to:
Your violation of these Terms.
False or misleading information submitted by you.
Fraudulent activity.
Misuse of the Services.
Violation of applicable law.
Infringement of intellectual property rights.
Unauthorized use of another person’s identity or information.
Disputes arising from financing agreements entered into with third-party lenders.
This indemnification obligation survives termination of these Terms.
38. Governing Law
39. Venue
40. Dispute Resolution
41. Arbitration
42. Class Action Waiver
43. Force Majeure
- Natural disasters
- Hurricanes
- Floods
- Fires
- Tornadoes
- Earthquakes
- Acts of God
- Epidemics
- Pandemics
- Labor disputes
- Utility failures
- Internet outages
- Cybersecurity incidents
- Government actions
- War
- Terrorism
- Civil unrest
- Supply chain disruptions
- Banking system interruptions
- Telecommunications failures
- Failures of third-party providers
44. Limitation Period
45. Survival
The following provisions survive the termination or expiration of these Terms:
Intellectual Property
- Disclaimers
- Limitation of Liability
- Indemnification
Governing Law
Dispute Resolution
- Arbitration (if applicable)
- Privacy obligations
- Payment obligations
Any provision that by its nature should survive termination.
46. Privacy Policy
47. Cookies and Tracking Technologies
Get a Business Loan may use cookies, web beacons, pixels, session storage, local storage, analytics tools, advertising technologies, and similar tracking technologies to:
Improve website functionality.
Remember user preferences.
Analyze website traffic.
Measure advertising performance.
Prevent fraud.
Enhance security.
Improve customer experience.
Personalize website content.
Your use of the website constitutes acknowledgment that these technologies may be used as described in our Privacy Policy and Cookie Policy.
48. Copyright Notice
49. Trademark Notice
50. Copyright Infringement (DMCA)
Get a Business Loan respects the intellectual property rights of others. If you believe copyrighted material available through our Services infringes your copyright, please submit a written notice that includes:
Identification of the copyrighted work claimed to have been infringed.
Identification of the allegedly infringing material.
Your contact information.
A statement of good-faith belief that the use is unauthorized.
A statement made under penalty of perjury that the information provided is accurate and that you are authorized to act on behalf of the copyright owner.
Your physical or electronic signature.
Upon receipt of a valid notice, Get a Business Loan will investigate the claim and take appropriate action consistent with applicable law.
51. Export Compliance
52. Assignment
53. Severability
54. No Waiver
55. Relationship of the Parties
56. Entire Agreement
57. Electronic Acceptance
By accessing the website, submitting information, clicking any button indicating acceptance, checking an acknowledgment box, signing electronically, or otherwise using the Services, you acknowledge that:
You have read these Terms.
You understand these Terms.
You agree to be legally bound by these Terms.
Your electronic acceptance has the same force and effect as a handwritten signature to the extent permitted by applicable law.
58. Contact Information
- Our online contact form
- Customer service telephone number
- Customer support email address
- Mailing address listed on our website