Terms of Service

1. Agreement to Terms

By accessing the website at approvedfundinggroup.com, submitting a funding application, or utilizing any tools, APIs, or consultative services provided by Approved Funding Group ("Company," "we," "us," or "our"), you ("User," "Applicant," or "Business") agree to be legally bound by these Terms of Service. If you do not agree with any part of these terms, you must immediately terminate use of our platform.

2. Commercial Purpose Only; Not Consumer Credit

You represent, warrant, and certify that any funding requested or obtained through Approved Funding Group will be used solely and exclusively for commercial, business, agricultural, or investment purposes. You explicitly agree that funds will not be used for personal, family, household, or student loan expenses. The provisions of the Truth in Lending Act (TILA), Consumer Financial Protection Bureau regulations, and state consumer credit laws do not apply to commercial transactions facilitated through this service.

3. Role as Intermediary and Broker

Approved Funding Group operates as an independent commercial financing broker, arranger, and marketplace connecting business owners with direct lenders, capital syndicates, and financial institutions. Except where explicitly stated in a signed credit agreement, Approved Funding Group does not make direct funding decisions, extend credit, or guarantee approval.

Loan or advance approval, interest rates, factor rates, terms, and repayment requirements are established exclusively by the underwriting criteria of the individual capital provider. Submission of an application does not constitute a commitment to lend.

4. Accuracy of Information & Credit Inquiries

You represent that all information submitted on behalf of your business entity and principal owners is complete, accurate, and truthful. You authorize Approved Funding Group and its lending partners to conduct commercial and personal credit inquiries, bank account verifications, and background checks as deemed necessary by underwriting partners. Initial evaluations utilize soft inquiries that do not harm personal credit scores; however, final loan origination may entail a hard inquiry by the selected institutional lender.

5. E-SIGN Act Disclosure and Consent

Pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN), you consent to conduct commercial transactions electronically and receive all agreements, disclosures, notices, and payment schedules in digital format. Electronic signatures submitted through our portal carry the full legal validity and enforceability of handwritten signatures.

6. Limitation of Liability & Indemnification

In no event shall Approved Funding Group, its officers, employees, or affiliates be liable for any indirect, punitive, incidental, special, or consequential damages resulting from the inability to obtain funding, delays in processing, or operational decisions made based on conditional quotes. You agree to indemnify and hold harmless Approved Funding Group from any claims, losses, or legal liabilities arising from fraudulent submissions or violation of these terms.

7. Governing Law and Arbitration

These Terms of Service are governed by and construed under the laws of the State of Florida, without regard to conflicts of law principles. Any dispute, controversy, or claim arising out of or relating to these terms shall be settled by binding arbitration administered by the American Arbitration Association in Broward County, Florida.

8. Inquiries and Legal Notice