Terms of Use

1. Acceptance of Terms

By accessing or using the website at LightingFastFunding.com (the "Site") or submitting our pre-qualification form, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the Site or submit the form.

These Terms apply to all visitors, users, and others who access the Site.

2. About Our Services

[YOUR BUSINESS NAME] ("Company," "we," "us," or "our") operates as a commercial loan broker. We collect pre-qualification information from business owners and, where appropriate, refer qualified businesses to licensed commercial lenders. We do not:

• Make loans or extend credit directly
• Make credit decisions on behalf of any lender
• Guarantee that any loan will be approved or funded
• Set or represent the interest rates, terms, or conditions of any loan
• Act as an agent, representative, or affiliate of the U.S. Small Business Administration or any government agency

3. Pre-Qualification Is Not a Loan Application

Submitting the pre-qualification form on this Site does not constitute an application for credit and does not create any obligation on the part of any lender to provide financing.

Pre-qualification results are based solely on self-reported information and represent a preliminary, non-binding assessment of whether your business may generally meet our lending partners' stated criteria. Pre-qualification does not guarantee:

• That you will receive a loan offer
• Any particular interest rate, term, or loan amount
• That a lending institution will accept your application
• That SBA or any other program will be available to your business

Actual loan approval, terms, and conditions are determined exclusively by the lending institution after a complete application review, including verification of financial information and credit review.

4. Accuracy of Information

By submitting the pre-qualification form, you represent and warrant that:

• All information you provide is accurate, complete, and truthful to the best of your knowledge
• The financial figures you enter reflect your actual business financial position
• You are authorized to submit an inquiry on behalf of the business named in the form
• You are at least 18 years of age
• Your business is located and operating in the United States

Submitting false or misleading information may result in disqualification and may expose you to legal liability.

5. SBA Loan Disclosures

References to "SBA loans," "SBA 7(a)," "SBA 504," or similar terms on this Site refer to loan programs administered by the U.S. Small Business Administration. [YOUR BUSINESS NAME] is not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration or any other government agency.

SBA loan products are subject to SBA eligibility requirements, lender underwriting standards, and SBA program guidelines, which are determined independently of this pre-qualification process. SBA loan approval requires a complete application with the participating lender.

6. Communications Consent

By providing your phone number and checking the consent box on our form, you expressly consent to receive calls and text messages, including by automated or prerecorded means, from [YOUR BUSINESS NAME] and its lending partners at the phone number you provided, regarding your business financing inquiry.

This consent is not a condition of purchasing any goods or services. You may opt out of text messages at any time by replying STOP. Message and data rates may apply.

7. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components, or that pre-qualification results will be accurate or reliable for any particular purpose.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, [YOUR BUSINESS NAME] AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SUBMISSION OF THE PRE-QUALIFICATION FORM, INCLUDING ANY RELIANCE ON PRE-QUALIFICATION RESULTS.

In no event shall our total liability to you exceed one hundred dollars ($100.00).

9. Third-Party Lenders

If you are referred to a lending institution, your subsequent dealings with that institution are governed by that institution's own terms, policies, and applicable law. We are not a party to any loan agreement and assume no responsibility for the actions, representations, or practices of any lending institution.

10. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of [YOUR BUSINESS NAME] or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any Site content without our express written permission.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [YOUR STATE], without regard to its conflict of law provisions. Any dispute arising from these Terms shall be resolved exclusively in the state or federal courts located in [YOUR COUNTY AND STATE].

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

13. Contact