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)
• 100% Financing Program Qualification: Not all applicants will qualify for our 100% financing program with no closing costs and no monthly payments. Qualification for this specific program is subject to multiple factors including but not limited to: credit score requirements (typically 680 or higher), demonstrated experience with fix and flip projects (typically 4+ completed projects) or licensure as a general contractor with relevant permit history, property type and unit count restrictions, loan-to-value ratios, and other lender-specific criteria. Even if you meet some qualification criteria, final approval is at the sole discretion of the lender or investor. We maintain various financing programs with different qualification requirements, and we will work to match you with the best program for your specific situation regardless of whether you qualify for the 100% financing program. Terms, rates, conditions, and program availability may vary by lender and are subject to change without notice.
• Lender Vetting and Due Diligence: Although we extensively vet all lenders, investors, and partners in our network through rigorous due diligence processes, it is critical that you conduct your own independent due diligence before signing any agreements or agreeing to any loan terms. We are not responsible for any actions, omissions, representations, or conduct of any lenders, investors, partners, or third parties we may connect you with.

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. AI Assistant (FundingGPT) Disclaimer

National Funding Partner may provide access to an artificial intelligence (AI) assistant, also referred to as "FundingGPT" or similar names, through our website and digital platforms. This AI assistant is designed to provide preliminary information, answer general questions, and facilitate initial conversations about funding options. By using our AI assistant, you acknowledge and agree to the following:

• Illustrative and Informational Purposes Only: The AI assistant is provided for illustrative and informational purposes only. It is not intended to serve as an actual financial consultant, advisor, or funding specialist. The AI assistant is a demonstration tool designed to help you understand our services and provide basic information about funding options.
• AI May Make Mistakes: The AI assistant is powered by artificial intelligence technology and may make errors, provide inaccurate information, misunderstand context, or generate responses that are incomplete, outdated, or incorrect. The AI assistant may not have access to the most current information, terms, rates, or program availability. You should never rely solely on information provided by the AI assistant for making financial decisions.
• Not a Substitute for Professional Advice: The AI assistant is not a substitute for professional financial advice, legal counsel, or consultation with our actual funding specialists. Any information, suggestions, or guidance provided by the AI assistant should not be construed as professional financial, legal, or investment advice. You should always consult with qualified professionals before making any financial decisions or entering into any funding agreements.
• No Guarantees or Warranties: We make no representations, warranties, or guarantees regarding the accuracy, completeness, reliability, or suitability of any information provided by the AI assistant. The AI assistant may provide information that is speculative, hypothetical, or based on incomplete data. We disclaim all liability for any errors, omissions, or inaccuracies in the AI assistant's responses.
• No Binding Commitments: Nothing stated, suggested, or implied by the AI assistant constitutes a binding commitment, offer, or guarantee from National Funding Partner. The AI assistant cannot approve funding, guarantee loan terms, or make any binding representations about your eligibility, approval chances, or the terms you may receive. All funding decisions, terms, and approvals are subject to our actual underwriting process and lender/investor approval.
• Limitation of Liability: To the fullest extent permitted by law, National Funding Partner, its officers, directors, employees, agents, and affiliates shall not be liable for any damages, losses, or harm arising from your use of or reliance on the AI assistant, including but not limited to: financial losses, missed opportunities, incorrect information, misunderstandings, or any decisions made based on information provided by the AI assistant.
• Third-Party Technology: The AI assistant may utilize third-party artificial intelligence technology, platforms, or services. We are not responsible for the performance, accuracy, or availability of such third-party technology. The AI assistant may experience technical issues, downtime, or limitations that are beyond our control.
• Data and Privacy: Information you share with the AI assistant may be processed, stored, and used in accordance with our Privacy Policy. However, you should not share sensitive financial information, account numbers, passwords, or other highly confidential information with the AI assistant. Always use discretion when sharing information through any digital platform.
• Consultation with Human Specialists Required: For actual funding applications, decisions, and professional consultation, you must work directly with our human funding specialists. The AI assistant is not authorized to make funding decisions, approve applications, or provide binding information about loan terms, rates, or eligibility. All formal funding processes require direct interaction with our team of qualified professionals.
• Changes and Discontinuation: We reserve the right to modify, update, discontinue, or replace the AI assistant at any time without notice. The AI assistant may be unavailable at times due to maintenance, technical issues, or other reasons. We are not obligated to maintain or provide the AI assistant and may remove it from our services at our sole discretion.

By using our AI assistant, you acknowledge that you have read, understood, and agree to all of the above terms and disclaimers.You understand that the AI assistant is a demonstration tool for illustrative purposes and that you should not rely on it for making financial decisions. You agree to consult with our human specialists for all actual funding needs, applications, and professional advice.

If you have any questions about funding options, loan terms, eligibility, or our services, please contact our team directly rather than relying solely on information provided by the AI assistant. Our funding specialists are available to provide accurate, current, and personalized information based on your specific situation and needs.

16. Confidentiality Notice – NCND / Non‑Circumvent & Non‑Disclosure Agreement

17. Data Security and Information Liability Disclaimer

By providing us with any personal information, including but not limited to your name, email address, phone number, project details, financial information, business documents, or any other data, you expressly acknowledge and agree to the following terms regarding data security and liability:

• No Responsibility for Information Security: National Funding Partner is not responsible for the security, protection, or confidentiality of any information you provide to us. This includes, but is not limited to, your personal information, business data, financial documents, project details, or any other materials shared during our business relationship.
• No Liability for Data Breaches or Misuse: We cannot be held liable for any unauthorized access, disclosure, theft, loss, or misuse of your information, whether caused by hacking, system failures, human error, third-party actions, or any other means. You understand that by sharing information with us, you voluntarily relinquish any expectation of security for that information.
• Information Sharing Acknowledgment: You acknowledge that your information may be shared with lenders, investors, partners, and other third parties as part of our funding services. Once information leaves our direct control, we have no responsibility or liability for how it is handled, stored, or protected by these third parties.
• Voluntary Assumption of Risk: By choosing to work with National Funding Partner and providing us with your information, you voluntarily assume all risks associated with the security and privacy of that information. You understand that we do our best to handle information appropriately, but we make no guarantees or warranties regarding data security.
• No Warranties or Guarantees: We do not warrant or guarantee that your information will remain secure, confidential, or private at any time. Any security measures we implement are for our own operational purposes and do not create any rights or expectations on your behalf.
• Complete Release of Liability: To the fullest extent permitted by law, you hereby release, discharge, and agree to hold harmless National Funding Partner, its officers, directors, employees, agents, and affiliates from any and all claims, demands, actions, or causes of action arising out of or related to the security, privacy, or protection of your information.

This disclaimer is a material term of our agreement. If you do not agree to these terms regarding data security and liability, you should not provide us with any information or engage our services. Your continued use of our services and provision of information constitutes your acceptance of this complete release of liability regarding information security.

18. Contact Information

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