Terms of Service

These terms govern your use of the Qualify Finance website and services. By using our site, you agree to them. Please read them carefully — especially the section on our role as a consulting firm.

Our role

Qualify Finance is a business consulting firm that provides funding guidance and lender-matching services. We are not an SBA lender, a broker, or a direct lender, and we do not make credit decisions or guarantee approval.

Any funding terms, approvals, and final decisions come from third-party lending partners, subject to their own underwriting and terms.

Eligibility

You must be at least 18 years old and authorized to act on behalf of your business to use our services.

Acceptable use

You agree to provide accurate information and to use the site lawfully. You may not misuse the site, attempt to access it in unauthorized ways, or submit information that is false or that you are not authorized to provide.

No guarantee of funding

Pre-qualification is not an offer of credit or a commitment to lend. Results are estimates based on the information you provide and do not guarantee approval, amount, or terms.

Consent to be contacted

By submitting your information, you authorize Qualify Finance and the lending partners we match you with to contact you at the phone number and email you provide — including by autodialed or prerecorded calls and by SMS/text message — about your inquiry and funding options. Consent is not a condition of any service, and standard message and data rates may apply.

You can opt out of text messages by replying STOP, and you can opt out of marketing emails using the unsubscribe link. Full details are in our SMS / Text Messaging Terms and our Consent & Authorizations page.

Credit authorization

By using our pre-qualification or by your written or electronic authorization, you permit Qualify Finance to obtain a soft inquiry of your consumer credit report to help assess and guide your funding options. A soft inquiry does not affect your credit score.

Qualify Finance does not make credit decisions. Any decision to proceed with a lender, and any subsequent hard credit inquiry, is made under that lender's separate terms and authorization.

Electronic communications & signatures

By using our site and submitting information, you consent to receive disclosures, agreements, and notices electronically, and you agree that your electronic submissions and acceptances have the same legal effect as a handwritten signature.

Intellectual property

The content, branding, and materials on this site are owned by Qualify Finance or its licensors and may not be copied or reused without permission.

Limitation of liability

To the fullest extent permitted by law, Qualify Finance is not liable for indirect, incidental, or consequential damages arising from your use of the site or services. Calculators and tools are provided for estimation only.

Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

Dispute resolution & arbitration

Please read this section carefully — it affects how disputes are resolved. Any dispute or claim arising out of or relating to these terms or your use of the site or services will be resolved by binding individual arbitration, rather than in court, except that either party may bring a qualifying claim in small-claims court.

You and Qualify Finance agree that claims will be brought only in an individual capacity, and not as a plaintiff or class member in any class or representative action. If this class-action waiver is found unenforceable, the rest of this section still applies. Where required by law, you may have a right to opt out of arbitration by notifying us within the time and manner the law provides.

Contact

Questions about these terms can be directed to info@qualifyfinance.com.