Terms and Conditions

Acceptance of Terms

By accessing this website, submitting an inquiry, starting an application, uploading documents, signing electronically, or communicating with Phoenix Capital Advance LLC ("Company," "we," "our," or "us"), you agree to these Terms and Conditions. If you do not agree, do not use this website or submit information through it.

Business Funding Services

Phoenix Capital Advance LLC provides information about commercial funding products and may act as a broker, ISO, referral partner, marketplace, funding facilitator, or direct funding provider depending on the transaction. Products may include merchant cash advances, receivables purchases, revenue-based financing, working capital products, equipment funding, term financing, lines of credit, or other business-purpose financing options.

Approval is not guaranteed. Any offer is subject to underwriting, business verification, funding partner review, documentation, signed agreements, and final approval. Final written funding documents control over any website content, verbal discussion, estimate, quote, advertisement, or preliminary approval.

Merchant Cash Advance and Commercial Purpose

Merchant cash advance products, when offered, are generally structured as commercial transactions involving the purchase and sale of future receivables or business revenue. They are not intended for personal, family, or household purposes. You represent that any inquiry, application, or funding request submitted through this website is for business or commercial purposes only.

The exact structure, amount, purchased receivables, factor rate, remittance method, reconciliation rights, fees, and other terms will be stated in the final funding agreement if a transaction is approved and accepted.

No Financial, Legal, Tax, or Accounting Advice

Website content and communications from Phoenix Capital Advance LLC are provided for general business funding information only. We do not provide legal, tax, accounting, investment, credit repair, or financial planning advice. You should consult your own advisers before accepting any funding product or signing any agreement.

Application Information and Authorization

You agree that all information you provide is accurate, complete, current, and submitted with authority from the business and any listed owners, guarantors, or authorized representatives. You authorize us, funding partners, service providers, brokers, processors, and verification vendors to review and verify business, financial, banking, ownership, credit, identity, and application information as reasonably needed to evaluate funding options.

• You will not submit false, misleading, incomplete, forged, altered, or unauthorized information.
• You will promptly notify us if submitted information changes.
• You are responsible for obtaining any internal business approvals required to submit an application or accept funding.
• You authorize contact with banks, creditors, processors, landlords, vendors, references, and other third parties when reasonably related to funding review.

Broker, Funder, and Third-Party Relationships

We may submit your information to funding providers, broker partners, syndication partners, underwriting partners, processors, document vendors, and service providers to evaluate available options. Those parties may have their own terms, privacy policies, underwriting standards, fees, approval criteria, and legal obligations.

We are not responsible for third-party decisions, policies, systems, offers, declined applications, delays, funding holds, chargebacks, clawbacks, or servicing actions, except where required by law or by a written agreement signed by us.

Offers, Fees, and No Guarantee

Any rates, factor rates, estimated payments, remittance amounts, funding ranges, approval timelines, or other terms shown on this website or discussed with you are estimates unless included in a final written agreement. Funding speed depends on underwriting, document completion, bank verification, clearing times, and funder availability.

If fees, commissions, origination charges, broker fees, processing charges, or other costs apply, they will be disclosed in the applicable agreement or offer materials where required. You should review all final documents carefully before signing.

Electronic Communications and Signatures

You consent to receive communications electronically, including emails, website notices, digital forms, electronic disclosures, and electronically signed documents. You agree that electronic signatures, initials, checkbox consents, typed names, uploaded documents, and digital records may have the same effect as paper documents and handwritten signatures where permitted by law.

SMS Terms and Communications Consent

By providing a mobile phone number, you consent to receive calls and SMS messages from Phoenix Capital Advance LLC and service providers acting on our behalf regarding funding inquiries, application updates, appointments, document requests, account notifications, and customer support.

• Message frequency varies based on your interaction with us.
• Message and data rates may apply.
• Reply STOP to opt out of SMS messages.
• Reply HELP for assistance or contact us directly.
• Consent to receive SMS messages is not a condition of purchasing any goods or services.
• SMS consent is not shared with third parties or affiliates for marketing or promotional purposes.

Website Use and Prohibited Conduct

You agree to use this website only for lawful business purposes. You may not:

• Interfere with website operation, security, availability, or data integrity.
• Attempt unauthorized access to systems, accounts, data, forms, or infrastructure.
• Use automated scraping, bots, spam, or abusive submission practices.
• Upload malware, corrupted files, unlawful content, or documents you are not authorized to share.
• Misrepresent your identity, authority, ownership, revenue, bank activity, or business status.

Document Uploads and Security

You are responsible for the accuracy and legitimacy of documents you upload or transmit. We use reasonable safeguards designed to protect information, but no website, email, file upload, or electronic transmission is guaranteed to be completely secure. Do not submit information through this website if you do not trust the method of transmission.

Privacy

Our collection, use, disclosure, and safeguarding of information is described in our Privacy Policy. By using this website or submitting information, you also agree to the practices described there.

Intellectual Property

All website content, text, graphics, forms, logos, branding, layout, and software are owned by Phoenix Capital Advance LLC or its licensors and may not be copied, reproduced, republished, sold, or exploited without permission, except as allowed by law.

Disclaimers

This website and its content are provided on an "as is" and "as available" basis. We do not warrant that the website will be uninterrupted, error-free, secure, or free of harmful components. We do not guarantee approval, funding, specific terms, savings, business results, or any outcome from using this website or submitting an application.

Limitation of Liability

To the fullest extent permitted by law, Phoenix Capital Advance LLC, its owners, officers, employees, contractors, affiliates, funders, brokers, and service providers shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to website use, funding inquiries, application submissions, third-party decisions, delays, errors, or unavailable services.

Indemnification

You agree to defend, indemnify, and hold harmless Phoenix Capital Advance LLC from claims, damages, losses, liabilities, costs, and expenses arising from your misuse of the website, violation of these Terms, inaccurate information, unauthorized submissions, or violation of any law or third-party right.

Governing Law

These Terms shall be governed by the laws of the state in which Phoenix Capital Advance LLC is organized, without regard to conflict-of-law principles, unless a written funding agreement states otherwise.

Changes to These Terms

We may update these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the website after changes are posted means you accept the revised Terms going forward.

Contact Information

If you have questions about these Terms, contact us: