Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website and online request form at fundinglane.net (“FundingLane,” “we,” “us,” or “our”). FundingLane is a trading name of FundingLane LLC, a California limited liability company. By accessing this site or submitting a funding request, you agree to these Terms on behalf of yourself and the business you represent. If you do not agree, please do not use the site and do not submit a request.

1. What we are, and what we are not

FundingLane is a connection provider and marketplace for revenue-based financing in the form of a merchant cash advance (“MCA”). We collect the information you choose to submit and pass it to third-party funders in our network so that they can decide whether to contact you with an offer.

A merchant cash advance is the purchase of a portion of your business’s future receivables in exchange for funds provided up front. It is not a loan, the amounts you remit are not interest, and its cost is expressed as a fixed amount rather than an annual percentage rate.

FundingLane is not a funder. We do not purchase receivables, we do not make funding decisions, and we do not set or influence any factor, fee or remittance term. We are not a party to the final Revenue Purchase Agreement executed between you and a third-party funder, and we expressly disclaim any liability arising from those third-party agreements. Every funding decision is made solely by the funder, under its own criteria and its own agreement with you. We do not endorse or recommend any funder, and we do not represent that any agreement is the best available or carries the best terms.

2. Eligibility and commercial use only

The products offered through our network are available only to small businesses and to self-employed individuals who operate a business, and only for commercial purposes. They are not a consumer product, are not offered to individuals in a personal capacity, and are not intended for personal, family or household use.

To submit a request you must be at least 18 years old, be authorised to act on behalf of a business located in the United States, and have a valid email address and telephone number. Funders in our network generally look for a business that has been operating for about 3 months, with average monthly revenue of about $1,500 and a business bank account. Meeting these criteria does not mean any funder will make you an offer.

By submitting a request you certify that you are applying on behalf of a validly formed business, or as a self-employed operator of a business, and not as a consumer; that you are not seeking funds for personal, family or household purposes; and that any funds will be used solely for commercial or business purposes. Requests submitted for personal or consumer purposes are not eligible and will be declined.

3. A request is not an application to us

Submitting information through this site is a request to be connected with funders. It is not an application for funding with FundingLane, it is not an agreement, and it is not an offer of funding. The amount you enter, from $100 to $5,000, is the amount you would like to request; it has not been approved, reserved or promised, and a funder may offer less, offer different terms, or offer nothing at all. We do not guarantee funding or any terms.

The business is not committed to anything until you sign a funder’s Revenue Purchase Agreement. Reading an offer, asking questions about it and declining it costs you nothing.

4. We never charge you, and no advance fee

The service is free to you. There is no fee to use this site, no fee to submit a request and no fee at any later stage. We will never ask you to pay a fee in advance in exchange for a promise of funding. If anyone contacts you claiming to be FundingLane and asks for an up-front payment, a gift card, a wire transfer or a prepaid card, it is not us. Stop, and report it to us at help@fundinglane.net.

We may be compensated by a funder when a request we pass on results in a funded advance. That compensation may influence which funders receive your request and in what order. It is never paid by you and it does not change the terms a funder offers you.

5. How your information is used and shared

You agree that the information you give us is true, accurate and complete. By submitting a request you authorise us to share it with third-party funders in our network, with our marketing partners, and with service providers who help us operate the site, for the purpose of connecting your business with a possible funding offer. Our Privacy Policy explains what we collect and what your rights are.

Once your information reaches a funder, that funder handles it under its own privacy policy, not ours. We have no control over what a funder does with your information after it is passed on, and we are not responsible for a funder’s privacy or security practices.

6. Consent to be contacted

By submitting a request you agree that FundingLane, the funders we pass your request to, our marketing partners and their agents may contact you at the telephone number and email address you provided, including by automatic telephone dialling system, artificial or prerecorded voice, and SMS text message, about your request and about related commercial funding products and services. Message and data rates may apply.

What the email is for. Messages relate to your request and to your use of this site: verification of the email address or telephone number you gave us, status and account updates on a request you have submitted, alerts where something needs your attention, replies to questions you send us, and information about commercial funding options that may be available to your business. Some of those messages are promotional and some are informational; your consent covers both.

How often. Message frequency varies. How many messages you receive depends on how you interact with us and on the status of your request; we do not send on a fixed schedule. Message and data rates may apply depending on your provider.

This consent is not a condition of any purchase or of any funding. You may withdraw it at any time: reply STOP to a text message, use the unsubscribe link in any email, visit our unsubscribe page, or write to help@fundinglane.net. We also honour the one-click unsubscribe control offered by most mail providers. Withdrawing consent from us does not withdraw it from a funder you were connected with; you will need to contact that funder directly.

Help. For help with our messages, reply HELP to a text message, email help@fundinglane.net or call (619)-555-0163. The full terms of the email programme, including frequency and opt-out, are in our Email Communications Terms.

7. Soft inquiry and business verification

Checking your options through this site is a soft inquiry and does not affect your credit score. A funder you are connected with may, with your authorisation, review your business bank account activity through a third-party connection provider, verify your business and its owners, and obtain reports from credit bureaus or alternative data sources before making an offer. Any such review is the funder’s, is made under the funder’s own authorisation, and may involve a different type of inquiry; ask the funder before you authorise it. We do not ask for or store your bank login credentials.

8. Cost of an advance and remittance of purchased receipts

Advance amounts requested through this site range from $100 to $5,000. The cost of an advance is a fixed amount set by the funder, typically the purchase price multiplied by a factor, and it depends on the funder and on your business’s revenue. It is not interest and is never expressed as an annual percentage rate. Any figure shown on this site, including any result produced by an interactive tool, is an illustrative example only; it is not an offer, not a quote and not an average of our network.

If you accept a funding offer, delivery of the purchased future receipts is typically made through scheduled electronic debits from your business operating account, either as a share of daily or weekly receipts or as fixed amounts. Because an advance is a purchase of future receivables and not a loan, remittances may flex with your actual business revenue where the agreement provides for it. You will authorise those transfers separately as part of your Revenue Purchase Agreement, which will set out the remittance method, any reconciliation rights, and how to manage your authorisations.

9. Restricted jurisdictions

The products offered through our network are not available in all states, and availability and terms vary by state. They are not offered in New York, and requests from businesses located there will be declined. In California, funders provide the commercial financing disclosures that California law requires. Whether you can be matched, and with which funder, depends on the participating funders in our network at the time of your request. Each funder is responsible for its own licensing and for its compliance with the laws of the states in which it operates.

10. Your obligations

You agree that the information you submit is true, accurate and complete, that you are authorised to submit it for the business, and that you will keep it up to date. Providing false information may result in denial and may be unlawful. You agree not to use the site to submit false or fraudulent information, to submit another person’s or business’s information without authority, to scrape, probe or interfere with the site or its security, to use it in a way that breaks any law, or to reverse engineer any part of it.

11. Intellectual property

The site, its design, its text, its marks and its code belong to FundingLane LLC or its licensors and are protected by law. You may use the site for the legitimate purpose of evaluating and requesting funding for your business. You may not copy, republish, sell or adapt any part of the site without our written permission.

12. Disclaimers

The site is provided “as is” and “as available” and we make no warranty of any kind about it, express or implied, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the site will be uninterrupted or error free, that any request will reach any funder, that any funder will respond, or the products, terms or conduct of any funder in our network. Information on the site is general and is not financial, legal or tax advice.

Any link to a third-party website is provided for convenience only. We do not control those sites and are not responsible for their content, their products or their practices.

13. Limitation of liability

To the fullest extent permitted by law, neither FundingLane LLC nor its members, officers, employees or agents will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill or opportunity, arising out of or in connection with your use of the site, any Revenue Purchase Agreement, or your dealings with any funder, whether based in contract, tort, statute or otherwise, even if we were advised of the possibility. Our total liability for any claim relating to the site will not exceed one hundred dollars ($100).

Nothing in these Terms limits any liability that cannot be limited under applicable law, and some jurisdictions do not allow the exclusion of certain damages, so parts of this section may not apply to you.

14. Indemnity

You agree, on behalf of yourself and the business you represent, to indemnify and hold FundingLane LLC, its affiliates, members and employees harmless from any claim, loss or expense (including reasonable legal fees) arising from information you submit that is false or unauthorised, from your breach of these Terms, from any unauthorised or unlawful use of the site, or from your violation of any law or of the rights of a third party.

15. Disputes and arbitration

Most concerns can be resolved quickly. Before starting any formal proceeding, please write to help@fundinglane.net and give us 30 days to try to resolve the matter with you.

If we cannot, you and we agree that any dispute arising out of or relating to these Terms or to your use of the site will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in San Diego County, California. Either of us may instead bring an individual claim in small claims court if it qualifies.

You and we each waive any right to bring or participate in a class, collective or representative action. The arbitrator may award relief only in favour of the individual party seeking relief and only to the extent necessary to provide that relief. Nothing in this section waives any right that cannot be waived under applicable law. You may reject this arbitration agreement by writing to help@fundinglane.net with the subject line “Arbitration Opt-Out” within 30 days of your first use of the site.

This arbitration agreement does not apply to any dispute between you and a funder. The funder’s Revenue Purchase Agreement governs that relationship.

16. Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to section 15, you and we consent to the exclusive jurisdiction of the state and federal courts located in San Diego County, California.

17. Electronic communications

By using the site you consent to receive communications from us electronically, and you agree that electronic records and signatures satisfy any legal requirement that a communication be in writing. See our E-Sign Consent for the detail, including how to withdraw that consent and how to ask for a paper copy.

18. Changes to these Terms

We may update these Terms from time to time. Changes take effect when posted here, and the “last updated” date will reflect the latest revision. Your continued use of the site after a change means you accept the updated Terms.

19. Contact

FundingLane LLC
600 B Street, Suite 300
San Diego, California 92101
help@fundinglane.net · (619)-555-0163