Legal Disclaimer

1) No Commitment / No Lending Offer

The content on this site, in our materials, or provided verbally is for informational purposes only and does not constitute an offer, commitment, or promise to make a loan or provide financing. We are a broker, not a lender. Any loan or financing offer you receive comes from third-party lenders (“Funding Partners”) and is subject to their review, approval, and underwriting conditions.

2) Illustrative & Hypothetical Examples

Any rates, payments, loan terms, or scenarios shown on this site or through our communications are illustrative only. They do not reflect what you will necessarily qualify for. Final terms will depend on your credit, business finances, documentation, and the underwriting decisions of Funding Partners.

3) Accuracy, Completeness, & Updates

We strive to keep information accurate, complete, and current—but we make no guarantees. The content, rates, terms, and features may change at any time without notice. We disclaim liability for any errors, omissions, or outdated information.

4) No Advice; Professional Consultations

We do not provide legal, tax, accounting, or investment advice. You should consult your own qualified advisors before making decisions. The information presented should not be relied upon as a substitute for seeking such professional counsel.

5) Third-Party Content, Tools & Links

Our Services may link to or integrate with third-party websites, tools, calculators, data providers, or content. We do not control third-party content or systems and are not responsible for their accuracy, legality, or security. Use them at your own risk. Review any third party’s terms, disclosures, and privacy policy before using.

6) Funding Partner Disclaimer & Lending Risk

Because we only broker, we are not responsible for any lender’s decision or practice. You acknowledge:

• We do not guarantee that any application will be accepted or that an offer will be made.
• We do not guarantee any specific rate, fees, or terms—those come from the Funding Partner after its underwriting.
• Funding Partners may require additional documentation, impose different underwriting standards, or change terms without prior notice.
• Your loan may include fees, prepayment penalties, balloon payments or other terms. Read all lender documents carefully.

7) State & Federal Compliance Notices

Where applicable, some laws or state regulations require specific disclosures. We attempt to comply, but you should review the documents provided by your Funding Partner carefully. Examples may include:

• Commercial financing disclosure laws (e.g. California, New York, Utah, Texas, Virginia)
• Anti-usury, usury caps, and interest-rate laws
• Consumer protection, fair lending, and equal credit opportunity statutes

Any required state-level disclosure that a lender must provide will be included in the lender’s documents, not here.

8) Limitation of Liability & No Warranty

To the maximum extent permitted by law:

• We disclaim all warranties, express or implied (including merchantability, fitness for a particular purpose, title, or non-infringement).
• We are not liable for any indirect, incidental, special, consequential, punitive, or exemplary damages (e.g. lost profits, loss of business, data, or goodwill) arising from or relating to our site, content, or your use, even if we’ve been advised of the possibility.
• Our total aggregate liability to you for any claim related to this site or our services will not exceed the greater of $500 or the amounts you paid to us (if any) in the last three months for services giving rise to the claim.

9) Indemnification

You agree to indemnify, defend, and hold harmless AF Funding LLC (and its officers, directors, employees, agents, affiliates) from any claims, losses, liabilities, damages, and costs (including reasonable attorneys’ fees) arising from your use of the site, your reliance on content, your breach of terms, or violation of law.

10) Intellectual Property & Use Restrictions

All content, trademarks, logos, graphics, and software on this site are owned or licensed by us. You may view and print for your personal, noncommercial use. You may not copy, reproduce, modify, republish, display, distribute, perform, or create derivative works without our prior written consent.

11) Governing Law & Dispute Resolution

This Disclaimer is governed by the laws of the State of Missouri without regard to its conflict-of-law principles. Disputes will be subject to the arbitration clause (if applicable) or venue provisions in our Terms of Use.

12) Changes & Updates

We may revise this Disclaimer at any time by updating the “Last updated” date and posting a new version. Your continued use of the Services constitutes acceptance of the updated Disclaimer.

13) Contact Information