Terms & Conditions

1. Acceptance of Terms

By accessing and using the services provided by National Funding Partner ("Company," "we," "us," or "our"), you ("Client," "you," or "your") accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Services Description

National Funding Partner provides business financing consultation and loan brokerage services, including but not limited to:

• Business credit card applications
• Business lines of credit
• Business loan facilitation
• Revenue-based financing and merchant cash advances
• Asset-based financing
• Construction and hard money loans
• Fix and flip loan services
• Ground-up construction loans
• Commercial real estate loans
• Large commercial loans ($10 million and above)
• Infrastructure refinancing
• Joint venture partnerships

We work with a network of private investors, institutional lenders, and specialized commercial lenders who specialize in large-scale financing. Our white-glove service includes comprehensive underwriting and analysis to ensure your application is presented in the best possible format to potential investors and lenders.

3. Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Have legal authority to bind your business to these terms
• Operate a legitimate business entity
• Provide accurate and complete information
• Comply with all applicable laws and regulations

For large commercial loans ($10 million and above), additional requirements apply:

• Have substantial collateral sufficient to guarantee the loan
• Demonstrate proven cash flow to repay the loan
• Have business experience and history in the industry for which funding is sought
• Provide quantifiable assets and financial documentation
• Meet minimum deal size requirements as specified for the requested service

4. Application Process

When you submit an application through our services:

• You authorize us to verify the information provided
• You consent to credit checks and background verification
• You understand that submission does not guarantee approval
• You agree to provide additional documentation as requested
• You understand that credit checks may impact your personal credit score

For large commercial loans, the application process requires extensive documentation, which may include but is not limited to:

• Executive summary of your project
• Tax returns (personal and business)
• Bank statements
• Time in business documentation
• Incorporation and business entity documentation
• Financial statements and cash flow projections
• Collateral documentation and appraisals
• Business plan and project details

We provide comprehensive underwriting and analysis services to ensure your application is properly prepared and presented to potential investors and lenders. This may include pitch deck preparation and business model optimization to maximize your funding potential.

5. Fees and Compensation

Our compensation structure:

• Transparent pricing with clearly disclosed costs
• We receive compensation from lenders upon successful funding
• All fees and terms will be clearly disclosed before agreement
• Third-party lender fees are separate from our services

Application and Service Fees:

• Application Fees: Some services may require an application fee (typically $750) to proceed with the application process. This fee is credited back to you at closing if the loan is successfully funded. Application fees help ensure serious applicants and commitment to the process.
• Pitch Deck Preparation: If you require professional pitch deck preparation and business model optimization services, a fee of $1,500 may apply. This service includes comprehensive analysis and restructuring of your business presentation to maximize funding potential.
• Commitment Fees: For certain large commercial loans, lenders may require commitment fees (typically $50,000 or more depending on loan size) as part of the due diligence process. These fees are paid directly to the lender and may be refundable under certain conditions as specified in your loan agreement.

Our commission structure varies by loan type and lender. Commission rates are determined by the complexity of the deal, the level of service required, and the type of lender. All commission structures will be clearly disclosed before you commit to any service.

6. Client Responsibilities

As a client, you agree to:

• Provide accurate, complete, and current information
• Respond promptly to requests for additional information and documentation
• Review all loan documents carefully before signing
• Comply with all lender requirements and loan terms
• Notify us of any material changes to your business
• Provide all requested documentation in a timely manner
• Understand that credit checks will be performed and may impact your credit score
• Pay any required application fees or service fees as disclosed
• Work collaboratively with our team throughout the underwriting and application process

For large commercial loans, you must have real collateral, proven cash flow, and relevant business experience. You understand that we will conduct thorough due diligence and may require extensive documentation to proceed with your application. Failure to provide required documentation or meet eligibility requirements may result in application denial or termination of services.

7. Disclaimers and Limitations

Important limitations on our services:

• Loan approval is subject to lender and investor criteria
• We cannot guarantee specific terms or approval
• Interest rates and terms are determined by lenders and investors
• Processing times may vary based on lender requirements and deal complexity
• We are a funding partner and broker, not a direct lender
• We work with private investors, institutional lenders, and specialized commercial lenders
• Minimum deal sizes apply to certain services (e.g., $10 million for large commercial loans)
• Not all applicants will qualify for funding, even if they meet initial requirements
• Credit checks will be performed and may impact your personal credit score
• Application fees and service fees are non-refundable except as specifically stated (e.g., credited at closing)

We provide white-glove underwriting and analysis services to maximize your chances of approval, but final funding decisions rest with the lenders and investors. We cannot guarantee that your application will be approved or that you will receive the specific terms you desire.

8. Credit Checks and Background Verification

As part of our application and underwriting process, we will conduct credit checks and background verification. You understand and agree that:

• Credit checks will be performed as part of the application process
• Hard credit inquiries may impact your personal credit score
• Credit checks are necessary for lenders and investors to evaluate your application
• We will only perform credit checks with your authorization and as part of the legitimate application process
• For certain loan types (e.g., hard money loans), credit checks may not be required, but this varies by lender

9. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your information. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data. Your financial information and business details will be shared only with potential lenders and investors as necessary to facilitate your funding application.

10. Communications and Text Message Consent

By reaching out to National Funding Partner in any manner, including but not limited to:

• Submitting a contact form on our website
• Entering your phone number anywhere on our website or digital properties
• Calling us, texting us, or initiating any form of communication
• Submitting an application or inquiry through our services
• Providing your contact information in any format (online, in-person, via email, etc.)
• Scheduling a meeting, consultation, or appointment through any platform

You expressly consent and agree to receive automated text messages (SMS) and automated calls from National Funding Partner, our agents, representatives, and service providers, for the following purposes:

• Meeting confirmations and appointment reminders
• Application status updates and notifications
• Document requests and follow-up communications
• Service-related updates and information
• Important notifications regarding your application or account
• Marketing and promotional messages (you may opt-out at any time)

Important Clarifications:

• Consent is established by your actions: Your consent to receive automated text messages and calls is established by reaching out to us or providing your phone number, not by making a purchase or entering into any financial agreement. Purchase of services or products alone does not constitute consent; consent is established by your initial contact or provision of contact information.
• Message frequency: Message and data rates may apply. Message frequency varies based on your interaction with our services.
• Opt-out rights: You may opt-out of receiving text messages at any time by replying "STOP" to any message or by contacting us directly. Opting out of text messages will not affect your ability to receive important service-related communications via other methods.
• Carrier charges: Standard message and data rates may apply as determined by your mobile carrier. National Funding Partner is not responsible for any charges incurred.
• Consent is not conditional: Your consent to receive automated communications is not conditional upon any purchase, application approval, or other transaction. This consent remains in effect until you explicitly opt-out.

By providing your phone number or contacting us, you acknowledge that you have read, understood, and agree to this consent provision. You understand that you are not required to consent to receive text messages as a condition of purchasing any property, goods, or services from National Funding Partner. However, your consent is established by your voluntary action of reaching out to us or providing your contact information.

11. Intellectual Property

All content, trademarks, and intellectual property on our website and in our materials are owned by National Funding Partner or our licensors. You may not use, reproduce, or distribute our intellectual property without written permission.

12. Termination

Either party may terminate this agreement at any time with written notice. Upon termination, all obligations cease except those that by their nature should survive termination, including confidentiality obligations and limitation of liability provisions.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Lee County, Florida.

14. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the new terms.

15. Contact Information

If you have questions about these Terms & Conditions, please contact us: