Disclosures

• Not a loan. Our financing is structured as a purchase of future receivables under a Revenue Purchase Agreement. We do not charge interest in the consumer-credit sense, and our products are not regulated under the federal Truth-in-Lending Act.
• Subject to underwriting. All offers are subject to underwriting approval. Pre-qualified amounts displayed in the portal are illustrative based on remit history and current policy and are not commitments to fund.
• Funding times. Funding times shown on the site (e.g. ~24 hours) are typical for files signed before the applicable cut-off and meeting all post-signing requirements. Actual times vary and are not guaranteed.
• Origination fees. An origination fee is disclosed on each offer prior to signature and is netted from the disbursement amount.

Several U.S. states (including New York, California, Utah, Virginia, Georgia, Connecticut, and Florida) require commercial financing providers (or, in some cases, brokers) to give merchants standardized disclosures before consummation of certain commercial financing transactions. Where an applicable state disclosure is required for your transaction, it will be provided to you in conjunction with your offer prior to signature, and you will sign a separate acknowledgement of receipt.

To request a copy of the standardized disclosure for any prior transaction, email legal@quickiebusiness.com.

• Soft inquiries at application. Personal credit reports pulled during application are soft inquiries — they do not affect the personal credit score of the owner inquired upon and are not visible to other lenders.
• Hard inquiries. A separate hard inquiry may be requested in connection with finalizing funding. We will obtain separate, written authorization for any hard inquiry before initiating it. Hard inquiries are visible to other lenders and may have a small short-term impact on personal credit scores.
• Business credit. We may furnish information about funded merchants to commercial credit bureaus and to industry consortium services. Furnished information may include account opening, performance, defaults, and resolution.

• Forward-looking statements. Statistics shown on the marketing site (such as “Capital Deployed,” “Operators Funded,” or rating averages) reflect cumulative figures or illustrative composites and are not promises of future results.
• Testimonials. Testimonials presented on the site are representative of merchant experiences. Outcomes vary based on file quality, industry, time in business, banking, and other factors — past results are not a guarantee of future results.
• Trademarks. All third-party names, logos, and marks referenced on the site are the property of their respective owners and used for identification only.

To request a copy of any disclosure or to ask compliance-related questions, contact legal@quickiebusiness.com. See also our Terms of Service, Privacy Policy, E-Sign Consent, SMS Consent, and ACH Authorization.