Effective Date: January 1, 2025 | Last Updated: January 1, 2025
By accessing or using the website located at smallbusiness-advance.com (the "Site") or by submitting a funding inquiry to Small Business Advance LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use this Site or submit any information to us.
These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to modify these Terms at any time. Continued use of the Site after any such modifications constitutes your acceptance of the updated Terms.
You agree to use this Site only for lawful purposes and in a manner consistent with these Terms. You agree not to:
We reserve the right to terminate or restrict your access to the Site at our sole discretion, without notice, for conduct that violates these Terms or is otherwise harmful to other users, us, or third parties.
Small Business Advance LLC is a direct business lender providing working capital loans, equipment financing, revenue-based financing, business lines of credit, invoice financing, and business expansion funding to qualified small businesses.
The information provided on this Site is for general informational purposes only and does not constitute a commitment to lend, a loan offer, or a guarantee of any financing terms. All financing is subject to credit approval, underwriting review, and applicable legal requirements.
No Guarantee of Funding: Submission of a funding inquiry or application does not guarantee approval or funding. All applications are subject to our underwriting criteria and applicable laws. We reserve the right to decline any application at our sole discretion.
All funding products, terms, rates, and availability are subject to change without notice. Actual terms offered will be disclosed in a written funding agreement prior to any disbursement of funds.
By opting in to receive SMS/MMS text messages from Small Business Advance LLC, you agree to these SMS Terms and Conditions, which are incorporated by reference into these Terms and Conditions.
Small Business Advance LLC operates an SMS/MMS messaging program to communicate with opted-in individuals about our financial products, services, promotional offers, and updates related to funding inquiries. Messages may be sent using an automated telephone dialing system (ATDS).
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply. These charges are billed by your mobile carrier and are not controlled by Small Business Advance LLC.
You may opt in to receive SMS messages from us by providing your mobile number and checking the SMS consent checkbox on our contact or application forms. By opting in, you confirm that:
You may opt out of the SMS program at any time by replying STOP to any SMS message received from Small Business Advance LLC. Reply STOP to opt out at any time. Upon receipt of your STOP message, we will send one final confirmation message confirming your opt-out, and no further messages will be sent to your number unless you re-enroll.
You may also opt out by emailing jake@smallbusiness-advance.com with your name, mobile number, and a request to be removed from SMS communications.
Reply HELP for assistance. For help or information about this SMS program, reply HELP to any message received, or contact us at jake@smallbusiness-advance.com.
Consent is NOT a condition of purchase. You are not required to opt in to receive SMS messages in order to apply for or receive any financial product or service from Small Business Advance LLC. Your decision not to opt in will not affect your application or your eligibility for any funding products.
This SMS program is available on most major U.S. mobile carriers. Carrier availability may vary. We are not responsible for any delays or failures in message delivery attributable to your mobile carrier.
Your mobile number and SMS opt-in consent information will not be shared with third parties for marketing or promotional purposes. For complete details on how we handle your personal information, please review our Privacy Policy.
THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED THEREON ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on the Site.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SMALL BUSINESS ADVANCE LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
In no event shall our total liability to you for all claims arising out of or relating to these Terms or the Site exceed $100.
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Small Business Advance LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this Site without our express written permission.
You may print or download individual pages for your personal, non-commercial use, provided you do not modify the content or remove any copyright or trademark notices.
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of the Site shall be resolved in the state or federal courts located in Queens County, New York, and you hereby consent to personal jurisdiction in those courts.
You and Small Business Advance LLC agree to attempt to resolve any dispute informally by contacting us first at jake@smallbusiness-advance.com before initiating any formal legal proceeding.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.
If we make material changes that significantly affect your rights or obligations, we will make reasonable efforts to notify users, which may include posting a prominent notice on the Site.
If you have questions about these Terms and Conditions, please contact us:
Small Business Advance LLC
16102 Union Turnpike
Flushing, NY 11366
Email: jake@smallbusiness-advance.com
EIN: 33-3543232