By indicating your agreement to these terms (or example, by clicking the button where you accept these Terms of Application), you, in your individual capacity, represent:
By indicating your agreement to these terms (or example, by clicking the button where you accept these Terms of Application), you, in your individual capacity, represent:
BY USING Craft Capital’s WEBSITE AND/OR REQUESTING THAT Craft Capital CONTACT YOU FOR MARKETING PURPOSES, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND Craft Capital (AND ANY ENTITY CALLING ON BEHALF OF Craft Capital) ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND CRAFT CAPITAL, LLC, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TERMS OF APPLICATION OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TERMS OF APPLICATION. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH Craft Capital. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST Craft Capital IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST Craft Capital IN ANY JURISDICTION IN THE UNITED STATES. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Craft Capital Terms of Application and Terms of Use shall control over any inconsistency between the Rules of the American Arbitration Association and the Terms of Application). The arbitrator shall have authority to interpret the Terms of Application, including but not limited to the authority to decide whether any claim is arbitrable under the Terms of Application and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Terms of Application. You agree that the Terms Application involves commerce under 9 U.S.C. Sections 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Terms of Application is governed by the laws of the state of Missouri, as provided in the Terms of Use.
YOU UNDERSTAND THAT THIS IS AN APPLICATION FOR A COMMERCIAL LOAN AND THAT ANY FUNDS OFFERED TO THE APPLICANT MAY NOT BE USED FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES.
Introduction
This is a legal agreement between you and Craft Capital LLC, a Delaware corporation (“Craft Capital”), which may be contacted at 8 W 5th St, Fulton, MO 65251. By accessing this website, and any sub-sites of this website (together the “Site”), and/or using any of the Services (as defined below) accessible through the Site, you become a user and agree to, and are bound by, the terms and conditions of this agreement and the Craft Capital Privacy Policy (collectively, “Terms”) for as long as you continue to use the Site or Services. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS, DO NOT USE THE SITE OR THE SERVICES. Your use of, or participation in, certain Services may be subject to additional terms, and such terms will be either listed in the Terms or will be presented to you for your acceptance when you sign up to use such Services or purchase such products. Please check these Terms periodically for changes because we reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. Please see the beginning of the Terms to determine when the Terms were last revised.
As used in these Terms, the following words shall have the following meanings. “Craft Capital” includes “Craft Capital LLC”, “Craft Capital”, “we”, “us” and variations such as “our”. “Service” includes the products, services, and software that you order, receive or access as part of your use of CRAFT CAPITAL, LLC’s Sites.
THESE TERMS STATE THAT ANY DISPUTES BETWEEN YOU AND CRAFT CAPITAL, LLC. MUST BE RESOLVED IN BINDING ARBITRATION, THAT YOU WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, AND THAT THE LAW OF THE STATE OF MISSOURI APPLIES TO ALL INTERACTIONS BETWEEN YOU AND CRAFT CAPITAL, LLC. YOU MAY OPT-OUT OF ARBITRATION AND THE CLASS ACTION WAIVER BY FOLLOWING THE PROCEDURES IN SECTION 10.G BELOW
1. Description of Services
Craft Capital engages in several business services (the “Services”) for which a customer may use the Site. Craft Capital reserves the right to cancel a portion of any of our Services at any time.
a. Marketplace Services
First, Craft Capital matches commercial businesses with active banks, credit unions, and other lending sources (the “Marketplace Services”). Through proprietary matching technology, Craft Capital helps business owners to identify the business loan category and specific lender(s) that offer the best opportunity for that business owner to prepare for and acquire a business loan. Once prepared, business owners are then introduced to the most appropriate lending source via our proprietary technology.
b. Other miscellaneous services
Craft Capital may add additional products and services over time, and these Terms of Use shall apply to those additional services.
2. Use of Site and Service:
As a user of the Site or a user registered to use any of the Services (a “Registered User”), you agree to the following:
3. Intellectual Property Rights:
4. Links to Third-Party Websites and Dealings with Advertisers and Sponsors:
The Site and Services may contain links to websites of third-parties, including without limitation, advertisers, which are not under the control of Craft Capital, and Craft Capital is not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such websites. Craft Capital provides these links to you as a convenience, and the inclusion of any link does not imply that Craft Capital endorses or accepts any responsibility for the content on such third-party websites. Your correspondence or business dealings with, or participation in promotions of, advertisers or third-parties found on or through the Site or Services are solely between you and such advertiser or third-party. You agree that Craft Capital will not be responsible or liable for any loss or damage of any sort incurred as the result of the presence of such advertisers on the Site or Services. Please visit our Privacy Policy to learn more about how we use your information.
5. Disclaimer of Warranty:
No Warranties. THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. Craft Capital PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICES OR THE SITE (INCLUDING ALL INFORMATION CONTAINED THEREIN), INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Craft Capital DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. Craft Capital DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES. Third party content. Third-Party Content. Opinions, advice, statements, offers, or other information or content made available through the Site or Services, but not directly by Craft Capital, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. Craft Capital DOES NOT: (i) GUARANTEE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED ON THE SERVICES, OR (ii) ADOPT, ENDORSE OR ACCEPT RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY OTHER THAN Craft Capital. UNDER NO CIRCUMSTANCES WILL Craft Capital BE RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM ANYONE’S RELIANCE ON INFORMATION OR OTHER CONTENT POSTED ON THE SITE OR SERVICES, OR TRANSMITTED TO OR BY ANY USERS.
Beta Features. From time to time, Craft Capital may offer new “beta” features or tools with which its users may experiment on the Site or Services. Such features or tools are offered solely for experimental purposes and without any warranty of any kind, and may be modified or discontinued at Craft Capital’s sole discretion. The provisions of this Disclaimer of Warranty section apply with full force to such features or tools.
6. Limitation of Liability:
Incidental Damages and Aggregate Liability. IN NO EVENT WILL Craft Capital BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF Craft Capital KNOWS OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES WILL Craft Capital’S AGGREGATE LIABILITY, IN ANY FORM OF ACTION WHATSOEVER IN CONNECTION WITH THIS TERMS OR THE USE OF THE SERVICES OR SITE, EXCEED THE PRICE PAID BY YOU FOR YOUR ACCOUNT OR SUBSCRIPTION, OR, IF YOU HAVE NOT PAID Craft Capital FOR THE USE OF ANY SERVICES, THE AMOUNT OF USD $25.00 OR ITS EQUIVALENT. No Liability for non-Craft Capital Actions. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL Craft Capital BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF THE SERVICES.
Information Verification. Craft Capital and its contractors may use various methods of verifying information that users have provided. However, none of those ways are perfect, and you agree that Craft Capital and its contractors will have no liability to you arising from any incorrectly verified information
7. Indemnification:
You agree to indemnify, defend and hold harmless Craft Capital, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of (i) your use of or inability to use the Site or Services, (ii) any user postings made by you, (iii) your violation of any terms of these Terms or your violation of any rights of a third-party, or (iv) your violation of any applicable laws, rules or regulations. Craft Capital reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Craft Capital in asserting any available defenses.
8. Dispute Resolution by Binding Arbitration:
In the interest of resolving disputes between you and Craft Capital in the most expedient and cost effective manner, you and Craft Capital agree that either party, at any time, may opt to adjudicate their disputes through binding arbitration instead of in courts of general jurisdiction (“Agreement to Arbitrate”). Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, condenses discovery, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. You acknowledge and agree that the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that individual party’s claim(s). Any relief awarded cannot affect other users.
You further agree and understand that any and all disputes, whether heard before a court of competent jurisdiction, or an arbitrator, shall be done solely on an individual basis and that you affirmatively waive your right to participate in a class action to resolve any dispute (as defined below) that you may have with Craft Capital.
You understand that by entering into this agreement, you and Craft Capital are each waiving the right to a trial by jury or to participate in a class action:
If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance-based telephonic hearing, or by an in-person hearing as established by the AAA Rules.
Any in-person arbitration hearings will take place at a location to be agreed upon in Callaway County, MO. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.
YOU AND Craft Capital AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING:
The Opt-Out Notice must contain your name, address (including street address, city, state, and zip code), and the user name(s) and email address(es) associated with the Craft Capital account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the Terms will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with Craft Capital.
9. Telephone communications and agreement to be contacted:
Call Recording and Monitoring. You acknowledge that telephone calls to or from Craft Capital, together with its agents and affiliates, may be monitored and recorded and you agree to such monitoring and recording.
Providing Telephone Numbers and Other Contact Information. You verify that any contact information provided to Craft Capital, including, but not limited to, your name, mailing address, email address, residential or business telephone number, and/or mobile telephone number, is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide. You are strictly prohibited from providing a phone number that is not your own. If we discover that any information provided in connection with your registration is false or inaccurate, we may suspend or terminate your account at any time. Should any of your contact information change, including ownership of your telephone numbers, you agree to immediately notify us before the change goes into effect by replying STOP to any text message you receive from us, by calling us at (888) 808-7686 notifying us in writing by sending such notification via email to privacy@Craft Capitalfinancial.com.
Your Consent to Receive Automated Calls/Texts. You acknowledge that by voluntarily providing your telephone number(s), you expressly agree to receive artificial voices, prerecorded voice messages, and/or autodialed calls and text messages (such as SMS, MMS, or successor protocols or technologies) from Craft Capital, and third-parties acting on its behalf, related to promotions, your account, any application or transaction, and/or your relationship with Craft Capital. You acknowledge that automated calls or text messages may be made to your telephone number(s) even if your telephone number(s) is registered on any state or federal Do Not Call list. You agree that Craft Capital may obtain, and you expressly agree to be contacted at, any email addresses, mailing addresses, or phone numbers provided by you or your representative at any time or obtained through other lawful means, such as skip tracing, caller ID capture, or other means. You agree to receive automated calls and text messages from Craft Capital, even if you cancel your account or terminate your relationship with us, except if you opt-out (see below). You understand that you do not have to agree to receive automated promotional calls/texts as a condition of purchasing any goods or services or account creation. If you do not consent, you may call us at (888) 808-7686 or via email at privacy@Craft Capitalfinanical.com to further inquire about our products and services. To opt-out, please see the Opt-Out Instructions below.
Opt-Out Instructions. Your consent to receive automated calls and texts is completely voluntary. You may opt-out at any time. To opt-out of text messages, reply STOP to any text message you receive from us. You may also text HELP for help. You acknowledge and agree to accept a final text message confirming your opt-out. We may use different shortcodes for different messaging purposes, so texting STOP to one shortcode will not effectuate a stop request for all shortcodes to which you are subscribed. If you would like to stop messages from multiple shortcodes, reply STOP to each shortcode to which you would like to unsubscribe. Alternatively, you may privacy@Craft Capitalfinancial.com advising that you want to opt-out of text messages and specifying the phone number(s) for which that opt-out should apply To opt-out of automated voice calls (not text messages), you must (i) provide us with written notice revoking your consent to receiving automated calls; (ii) in that written notice, you must include your full name, mailing address, account number, and the specific phone number(s) for which you wish to stop automated calls; and (iii) send this written notice to privacy@Craft Capitalfinancial.com. It is your sole responsibility to notify us if you no longer want to receive automated calls or text messages. You waive any rights to bring claims for unauthorized or undesired calls or text messages by failing to opt-out immediately or by failing to follow these instructions. Please allow up to thirty (30) days to process any opt-out request. Please note that if you opt-out of automated calls or text messages, we reserve the right to make non-automated calls to you. It is possible that third parties may have your contact information and you may continue to receive communications from these third parties despite an opt-out request. We are not responsible for unwanted contact from third parties. Please contact third parties directly to inform them of your communication preferences.
Fees and Charges. There is no fee to receive automated telephone calls or text messages from Craft Capital. However, you may incur a charge for these calls or text messages from your telephone carrier, which is your sole responsibility. Message and data rates may apply. Check your telephone plan and contact your carrier for details. You represent and warrant that you are authorized to incur such charges and acknowledge that Craft Capital is not responsible for such charges.
Unauthorized Use of Your Telephone Device. You must notify Craft Capital immediately of any breach of security or unauthorized use of your telephone device. Although Craft Capital will not be liable for losses caused by any unauthorized use of your telephone device, you may be liable for our losses due to such unauthorized use.
Your Indemnification to Us. You agree to indemnify Craft Capital for any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or its state law equivalent, including claims relating to your voluntary provision of a telephone number that is not owned by you and/or your failure to notify us of any changes in your contact information, including telephone number. You agree to indemnify, defend and hold us harmless from and against any and all such claims, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees). We shall have the exclusive right to choose counsel, at your expense, to defend any such claims.
Release of Claims. In consideration of the services provided by Craft Capital, you hereby release Craft Capital from any and all claims, causes of action, lawsuits, injuries, damages, losses, liabilities or other harms resulting from or relating to telephone calls or text messages, including without limitation any claims, causes of action, or lawsuits based on any alleged violations of the law (including, without limitation, the Telephone Consumer Protection Act, Truth in Caller ID Act, Telemarketing Sales Rule, Fair Debt Collection Practices Act, or any similar state and local acts or statutes, and any federal or state tort or consumer protection laws).
General. You are responsible for obtaining and maintaining all telephone devices and other equipment and software, and all internet service providers, mobile service, and other services needed to receive calls and text messages. Text messaging may only be available with select carriers with compatible handsets. Your obligations under this Section will survive the termination of these Terms of Service.
Text message Terms and Conditions:
By opting in to Craft Capital’s Text Message Service, you authorize and agree to allow Craft Capital to use an autodialer or non-autodialer technology to send a text message to the cell phone number associated with your Opt-In (i.e., the number listed on the Opt-In form or instructions, or, if none, the number form which you send the Opt-In, or, if none, the number on file for the account associated with your Opt-In). You authorize Craft Capital to include marketing content in any such messages. You do not have to Opt-In or agree to Opt-In as a condition of purchase or service.
You confirm that you are the subscriber to the relevant phone number or that you are the customary user of that number on a family or business plan and that you are authorized to Opt-In.
After Opting-In, in addition to the main messages the service offers, you may receive one or more welcome messages or administrative messages, such as (in some cases) a request to confirm your Opt-In.
10. General Provisions:
Controlling Law and Jurisdiction. You agree that Missouri law (without giving effect to its conflicts of law principles) will govern these Terms, the Site, and the Services and that any dispute arising out of or relating to these Terms, the Site, or the Services will be subject to the exclusive jurisdiction and venue of the federal and state courts in Callaway County, MO. You acknowledge and agree that any violation of these Terms may cause Craft Capital irreparable harm, and therefore agree that Craft Capital will be entitled to seek extraordinary relief in court, including but not limited to temporary restraining orders, preliminary injunctions, and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that Craft Capital may have for a breach of these Terms. These Terms, which you accept upon registration for the Services, the Privacy Policy located on the Site, and any applicable payment, renewal, or additional services terms, comprise the entire agreement between you and Craft Capital regarding the use of this Service, superseding any prior agreements between you and Craft Capital related to your use of this Site or Services (including, but not limited to, any prior versions of this Terms). The FAQs found on the Services are for informational purposes only and are not deemed to be part of these Terms. Unless otherwise explicitly stated, the Terms will survive termination of your registration to the Service. The failure of Craft Capital to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision. If any provision of these Terms is held invalid, the remainder of the Terms will continue in full force and effect. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Site or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms are for convenience only and have no legal or contractual effect.
11. User Information:
12. Restrictions
You may not, and will make all reasonable efforts to make sure any third parties do not: Use the Services as a money services business, money transmitter, payment intermediary, aggregator, or service bureau or resell the Services in any manner. Use the Services on behalf of a third party in any manner. Abuse the Services in any manner. Use the Service in violation of any other agreement you may have, including without limitation, the agreement you have with WePay, Paypal, Square, Stripe, Plaid, or any of your financial accounts. Create a similar product or service through the use of or access to the Service. Use the Service in violation of any law, regulation, or rule. Use the Service to perpetuate or commit fraud of any kind. Use the Services in any way that is not authorized by Craft Capital. Use the Service for personal bank accounts.
13. Content:
All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, the artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Site is owned by Craft Capital and is protected by trade dress, copyright, trademark, and other property laws and unfair competition laws. Any misuse of the Content will be at your peril and Craft Capital will do all that is lawful to enforce and protect the Content.
14. Confidentiality:
We will take every reasonable precaution to protect your account and account information, however, we cannot guarantee the security of any information you disclose. This includes your sharing of account information with any third party, including employees, contractors, vendors, suppliers, etc. of your business. You agree and acknowledge that the security of your data is your responsibility.
Your use of the Services is further governed by our Privacy Policy.
15. Notification of Terms of Use Changes:
We may update these Terms of Use to reflect changes to our business operations and the methods by which we work with you, including changing vendors, and other policies relevant to our Services. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site. We encourage you to periodically review this page for the latest information on our Terms of Use. When we make changes to these Terms of Use we will revise the revision date at the top of the Terms of Use.
16. Term and Termination:
This agreement will become effective upon your acceptance of the Terms by your use of the Site or Services and will remain in effect in perpetuity unless terminated hereunder. Craft Capital may terminate your account at any time, for any reason or no reason, without explanation, effective upon written notice to the other party. Craft Capital reserves the right to immediately suspend or terminate your access to any of the Services, without notice, for any reason or no reason. We also reserve the right to refuse to remove your account information or data from our Services and any other records at any time to comply with legal and regulatory requirements. In the event your access to any of the Services is suspended due to the breach of these Terms, you agree that all fees then paid to Craft Capital by you will be nonrefundable and all outstanding or pending payments will immediately be due. You may terminate your account by following the steps in the applicable section under “Cancellations.” Sections 10 and 11 shall survive any termination of this Agreement.
By indicating your agreement to these terms (for example, by clicking the button where you accept this credit gathering authorization) you represent that you are authorized on behalf of yourself and the business listed in your application (collectively, the “Applicant”) to make and submit representations regarding the Applicant to CRAFT CAPITAL, LLC., its representatives, subsidiaries, and affiliates (collectively, “Craft Capital” or “we”) and to third-party lenders, finance companies, or other third parties that are involved with or provide commercial loans, or purchases of receivables (collectively “Recipients”). You authorize Craft Capital and Recipients to conduct, obtain, receive, and process a review of me and/or my business that Craft Capital or any Recipient considers appropriate to process my application for business-purpose financial products.
As part of this review, I authorize Craft Capital and each Recipient to obtain consumer/personal and/or business and investigative financial and credit reports from one or more consumer reporting agencies (including, but not limited to, TransUnion, Experian, Equifax, and Dun and Bradstreet) and from other credit bureaus, banks, creditors and other third parties. I further authorize and understand that Craft Capital and Recipient, respectively and individually, may obtain statements from creditors, financial institutions, and other third parties, as well as other information about me and my business, including credit card processor statements and bank statements.
I authorize Craft Capital and Recipient to obtain my credit report, during the review of any application submitted via www.craftcapitalcompany.com or a through a client of Craft Capital Financial, including any subdomains, any co-branded websites, or any other website where this Credit Gathering Authorization may be agreed to, during the closing of any financial product, or at various times during the term of my financial product(s) in connection with its servicing or enforcement. This authorization shall constitute my written instructions under the Fair Credit Reporting Act. I further authorize Craft Capital and each Recipient to contact third parties to verify any information provided in my credit report or otherwise submitted to Craft Capital or its Participating Institutions in connection with my application for financial products.I confirm that the information I have provided to Craft Capital as part of my application, as well as any subsequent information that might be submitted as part of my application, is true and correct and may be relied upon by Craft Capital and the Recipient in their consideration of my application. Any misrepresentation that I make in conjunction with the information I submit may be viewed as fraud, and as such may be punishable by law.
Equal Credit Opportunity Act (ECOA) Disclosure
Craft Capital provides business financing opportunities without regard to race, color, religion, national origin, sex, marital status, age, or income derived from public assistance. As per the Equal Credit Opportunity Act, Craft Capital requires your written authorization to pull business and personal credit reports to evaluate loan applications. This allows us to assess creditworthiness without consideration of characteristics protected by ECOA provisions.
By signing and submitting your application on our website or otherwise, you allow Craft Capital LLC and its funding partners to obtain credit reports, ratings, and related information personally and for your business to facilitate your loan request. Approval decisions will be based on applicant qualifications, not demographics. If your application is denied, you can request the specific reasons within 60 days. We encourage applicants to review their information and reapply if any facts are inaccurate or changed.
Please contact Craft Capital with any questions or concerns about our lending practices or credit reporting. Signing (or eSigning) and submitting your application acknowledges you have read and agree to this ECOA disclosure for purposes of business loan underwriting.
By indicating your agreement to these terms (for example, by clicking the button where you accept this credit gathering authorization) you represent that you are authorized on behalf of yourself and the business listed in your application (collectively, the “Applicant”) to make and submit representations regarding the Applicant to CRAFT CAPITAL, LLC., its representatives, subsidiaries, and affiliates (collectively, “Craft Capital” or “we”) and to third-party lenders, finance companies, or other third parties that are involved with or provide commercial loans, or purchases of receivables (collectively “Recipients”). You authorize Craft Capital and Recipients to conduct, obtain, receive, and process a review of me and/or my business that Craft Capital or any Recipient considers appropriate to process my application for business-purpose financial products.
As part of this review, I authorize Craft Capital and each Recipient to obtain consumer/personal and/or business and investigative financial and credit reports from one or more consumer reporting agencies (including, but not limited to, TransUnion, Experian, Equifax, and Dun and Bradstreet) and from other credit bureaus, banks, creditors and other third parties. I further authorize and understand that Craft Capital and Recipient, respectively and individually, may obtain statements from creditors, financial institutions, and other third parties, as well as other information about me and my business, including credit card processor statements and bank statements.
I authorize Craft Capital and Recipient to obtain my credit report, during the review of any application submitted via www.craftcapitalcompany.com or a through a client of Craft Capital Financial, including any subdomains, any co-branded websites, or any other website where this Credit Gathering Authorization may be agreed to, during the closing of any financial product, or at various times during the term of my financial product(s) in connection with its servicing or enforcement. This authorization shall constitute my written instructions under the Fair Credit Reporting Act. I further authorize Craft Capital and each Recipient to contact third parties to verify any information provided in my credit report or otherwise submitted to Craft Capital or its Participating Institutions in connection with my application for financial products.I confirm that the information I have provided to Craft Capital as part of my application, as well as any subsequent information that might be submitted as part of my application, is true and correct and may be relied upon by Craft Capital and the Recipient in their consideration of my application. Any misrepresentation that I make in conjunction with the information I submit may be viewed as fraud, and as such may be punishable by law.
Equal Credit Opportunity Act (ECOA) Disclosure
Craft Capital provides business financing opportunities without regard to race, color, religion, national origin, sex, marital status, age, or income derived from public assistance. As per the Equal Credit Opportunity Act, Craft Capital requires your written authorization to pull business and personal credit reports to evaluate loan applications. This allows us to assess creditworthiness without consideration of characteristics protected by ECOA provisions.
By signing and submitting your application on our website or otherwise, you allow Craft Capital LLC and its funding partners to obtain credit reports, ratings, and related information personally and for your business to facilitate your loan request. Approval decisions will be based on applicant qualifications, not demographics. If your application is denied, you can request the specific reasons within 60 days. We encourage applicants to review their information and reapply if any facts are inaccurate or changed.
Please contact Craft Capital with any questions or concerns about our lending practices or credit reporting. Signing (or eSigning) and submitting your application acknowledges you have read and agree to this ECOA disclosure for purposes of business loan underwriting.