Terms of Service

By accessing this site, creating an account, submitting an application for commercial financing, or otherwise using our services, you represent that you (i) have read and understood these Terms, (ii) have authority to enter into these Terms on behalf of yourself and any business you represent, and (iii) agree to be legally bound by these Terms and all policies referenced in them. If you do not agree, you must not use our services.

Please read these terms carefully. They constitute a legally binding agreement between you and Quickie Business Services LLC and include a waiver of class action rights and a waiver of the right to a jury trial.

• “Merchant” means a business entity that applies for or receives financing from Quickie.
• “Owner” means an individual who owns, controls, or guarantees a Merchant and who creates an account on the platform.
• “Services” means our websites, the merchant portal, the partner/ISO portal, our funding products, and all related software, content, and tools.
• “Revenue Purchase Agreement” or “RPA” means the transaction-specific agreement governing each instance of financing.
• “ISO” means an independent sales organization, broker, or referral partner that submits Merchants to Quickie.

The Services are intended for U.S.-based commercial use only. By using the Services you represent and warrant that:

• You are at least 18 years of age and have full legal capacity to enter into binding contracts.
• You are an Owner, officer, or authorized representative of a Merchant operating in the United States.
• The Merchant is in good standing in its jurisdiction of formation and conducts a lawful business.
• All information you provide to us is true, complete, and not misleading; you will keep it current.

We may decline service or close any account at our sole discretion, and may impose additional eligibility requirements (industry, minimum monthly revenue, time in business, ownership, banking relationships) on a per-product basis. All financing is subject to underwriting approval.

To access certain features you must register for an account. Sign-in is passwordless: a one-time code is sent to the verified mobile number on your account. You are responsible for safeguarding access to that number and your email, and for all activity that occurs under your account. You agree to (i) keep the mobile number and email on your account current and under your control, (ii) not share one-time codes or other credentials with any third party, (iii) notify us immediately at security@quickiebusiness.com of any actual or suspected unauthorized access, and (iv) accept responsibility for all transactions initiated through your account unless you reported the breach in advance.

Quickie provides commercial financing in the form of a purchase of a fixed dollar amount of a Merchant's future receivables (a “Revenue Purchase” or “Purchase of Future Receivables”). We also operate a merchant portal that allows you to track your application, accept offers, e-sign agreements, link your business bank account, view remit schedules, and request additional funding. We may add, modify, or discontinue features at any time.

Quickie does not make consumer loans. The Revenue Purchase Agreement is a commercial purchase of a fixed dollar amount of the Merchant's future receivables at a discount. It is not a loan, and Quickie does not charge interest, “APR,” or finance charges in the consumer-credit sense. The economics of each transaction — purchased amount, purchase price, factor rate, total receivables purchased, and remittance schedule — are disclosed in the transaction-specific RPA prior to signature.

Any references on the Services to “amount,” “factor,” “term,” “weekly remit,” “payment,” or similar are operational shorthand for the components of the underlying Revenue Purchase. The RPA itself is the controlling document.

When you submit an application you authorize Quickie and its service providers to evaluate the application using information you provide, information from third parties, and information about your business obtained through bank-data and credit-bureau integrations.

Soft credit inquiry. When you apply, you authorize Quickie to obtain a soft (non-FICO-impacting) consumer credit report on each Owner with at least 20% ownership interest, for purposes of evaluating the Merchant's commercial financing application. Soft inquiries are not visible to other lenders and do not affect the Owner's credit score.

Bank-data verification. You authorize Quickie (and our service providers, including Plaid Inc.) to access read-only data about the bank accounts you connect, including transaction history, balances, and account ownership, solely for purposes of underwriting, fraud prevention, ACH setup, account monitoring, and servicing.

We do not guarantee approval, decision time, funding amount, or funding speed. Indicative or pre-qualified amounts shown on the Services are illustrative and remain subject to underwriting and final RPA terms.

You agree that Quickie may send you any required disclosure, notice, statement, or other communication electronically, and that electronic communications satisfy any legal requirement that the communication be in writing. You also acknowledge that, to the extent permitted by law, Quickie may monitor and record telephone calls for quality assurance, training, fraud prevention, and dispute resolution.

Specific transactions — including each Revenue Purchase Agreement, ACH authorization form, personal guaranty, security agreement, and any addenda — are governed by the documents you sign for that transaction. To the extent of any conflict between these Terms and a transaction-specific agreement, the transaction-specific agreement controls with respect to that transaction.

The economics of each Revenue Purchase — including purchase price, purchased amount, factor rate, origination fee, total receivables purchased, remit frequency, and remit amount — are disclosed in the RPA prior to signature. Where state law requires a commercial financing disclosure (including, where applicable, New York, California, Utah, Virginia, Georgia, Connecticut, and Florida), Quickie (or its funding partner) will provide that disclosure consistent with the applicable statute prior to consummation.

You agree not to:

• Provide false, misleading, or fraudulent information, or impersonate any person or business.
• Use the Services in violation of any law, regulation, or third-party right.
• Reverse engineer, decompile, or attempt to extract the source code of any software comprising the Services.
• Probe, scan, or test the vulnerability of the Services, or breach any security or authentication measure.
• Introduce viruses, worms, trojans, ransomware, or any other malicious code.
• Scrape, crawl, or harvest content from the Services other than via documented APIs and within published rate limits.
• Use the Services to transmit spam, junk mail, chain letters, or unauthorized solicitations.
• Access another user's account without authorization.

Any feedback, suggestions, or other content you submit to Quickie (other than information protected under our Privacy Policy) is non-confidential. You grant Quickie a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, and otherwise exploit such content for any lawful purpose, including improving the Services. You represent that you have all rights necessary to grant that license.

The Services, including all software, content, design, branding, trademarks, and trade dress, are owned by Quickie or its licensors and are protected by U.S. and international intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely as permitted by these Terms. All other rights are reserved.

The Services may integrate with or link to third-party services (including Plaid, payment processors, e-signature providers, and credit bureaus). We do not control and are not responsible for any third-party service. Your use of a third-party service is subject to that party's own terms and privacy policy.

The services are provided “as is” and “as available” without any representations or warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, Quickie disclaims all warranties, including any implied warranty of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, uptime, error-free operation, or that defects will be corrected.

We do not warrant that any application will be approved, that any stated decision time, funding speed, or funding amount will be achieved, or that the Services will be uninterrupted, secure, or error-free. Any third-party content displayed on the Services is provided for informational purposes only and is not investment, legal, tax, or accounting advice.

To the fullest extent permitted by law, in no event will Quickie, its affiliates, or its or their officers, directors, employees, agents, licensors, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages (including lost profits, lost revenue, lost business opportunity, lost data, or business interruption) arising out of or relating to the services, even if Quickie has been advised of the possibility of such damages.

Our aggregate liability to you for any and all claims arising out of or relating to these Terms or your use of the Services will not exceed the greater of (a) the total fees paid by you to Quickie in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages — in such jurisdictions our liability is limited to the fullest extent permitted by law.

You agree to defend, indemnify, and hold harmless Quickie and its affiliates and their respective officers, directors, employees, and agents from and against all third-party claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to (i) your access to or use of the Services, (ii) your violation of these Terms, (iii) your violation of any law or third-party right, or (iv) any information or content you submit through the Services.

We may suspend or terminate your access to all or part of the Services at any time, with or without notice, for any reason including suspected fraud, breach of these Terms, or risk to the Services or other users. You may stop using the Services at any time. Sections that by their nature should survive termination (including pricing/fees obligations under any signed RPA, IP, disclaimers, liability, indemnity, dispute resolution, and miscellaneous) will survive.

These Terms are governed by the laws of the State of New York (without regard to its conflict-of-laws principles). Subject to the binding arbitration agreement in Section 21, any action that is not subject to arbitration must be brought exclusively in the state or federal courts located in New York County, New York, and you consent to personal jurisdiction and venue there.

This section requires the use of arbitration on an individual basis to resolve disputes, and waives the right to a jury trial and to participate in any class action or representative proceeding. Read carefully.

Except for (i) actions to enforce a security interest, perfect a lien, or collect undisputed amounts owed under any signed RPA, and (ii) individual claims brought in small-claims court, any dispute or claim arising out of or relating to these Terms or the Services (including their formation, performance, breach, enforcement, interpretation, validity, or scope) will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules.

The arbitration will be conducted in New York County, New York, by a single arbitrator. The arbitrator's award will be final and binding and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this provision.

Class waiver. You and Quickie agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

30-day right to opt out. You may opt out of this arbitration agreement by sending written notice of your decision to opt out to legal@quickiebusiness.com within 30 days after first accepting these Terms. Your notice must include your full name, the email associated with your account, and a clear statement that you wish to opt out. Opting out of arbitration will not affect any other provision of these Terms.

Neither party will be liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, war, terrorism, pandemic, government action, labor disputes, internet/utility outages, or third-party service provider failures.

Assignment. You may not assign these Terms or any rights under them without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, financing, or sale of assets.

Severability. If any provision is held unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be reformed to the minimum extent necessary to make it enforceable.

No waiver. Our failure to enforce any right or provision is not a waiver of that right or provision.

Entire agreement. These Terms, together with the Privacy Policy, the E-Sign Consent, the SMS Consent, the ACH Authorization, and any signed RPA, constitute the entire agreement between you and Quickie regarding the Services and supersede all prior or contemporaneous understandings.

No agency or joint venture. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Quickie.

We may update these Terms from time to time by posting a revised version on the Services with an updated “Last updated” date. If a change is material we will provide additional notice (such as an email or in-portal banner) at least 30 days before the change becomes effective for existing accounts. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

For legal notices, complaints, or questions about these Terms, contact:

Quickie Business Services LLC — Legal Department
Email: legal@quickiebusiness.com
Security: security@quickiebusiness.com