Disclosures

1. Who we are

Simply Approved Business Loans is a brand, trade name, and division wholly owned and operated by Simply Approved Corporation together with its affiliated group of companies, subsidiaries, parents, and related entities (collectively, the "Simply Approved group"). References to "Simply Approved Business Loans," "Simply Approved," "we," "us," or "our" refer to Simply Approved Corporation and/or one or more entities within the Simply Approved group, as applicable. Our principal place of business is 633 W 5th St, Ste 2600, Los Angeles, CA 90071, US. You can reach us at info@simplyapprovedbusinessloans.com or (844) 440-9139.

2. We are not a lender

Simply Approved Corporation is an independent marketing, matching, and referral service. We are not a lender, bank, credit union, broker-dealer, registered investment adviser, financial advisor, insurance company, or fiduciary. We do not make credit decisions, fund loans, purchase receivables, or set the terms of any financing. All financing is originated, underwritten, approved, and funded by independent third-party funding partners, including Advance Funds Network and lenders, funders, and brokers in its network.

3. Compensation and material connection

Simply Approved Corporation has a material business relationship with Advance Funds Network. We may receive a marketing fee, referral fee, lead fee, or commission from Advance Funds Network or another funding partner when an applicant we refer is approved and funded. This compensation does not increase the cost of financing to you, but it does mean we have a financial incentive to refer business to our funding partners. Applying through our Site is always free and creates no obligation to accept any offer.

4. Illustrative rates, terms, and funding speeds

All loan amounts, factor rates, interest rates, APRs, fees, holdback percentages, terms, repayment schedules, and approval/funding timelines (including phrases such as "same-day decisions," "24-hour funding," "$5,000 to $5,000,000," or specific rate ranges) shown anywhere on the Site are illustrative ranges only based on historical outcomes for qualified applicants. They are not an offer or commitment to lend, and they are not guaranteed for any individual application. Actual products, pricing, and terms are determined solely by the funding partner based on its underwriting criteria, including time in business, monthly revenue, industry, personal and business credit, cash flow, ownership, collateral, and applicable law. Not all applicants will qualify, and approval is never guaranteed.

5. Performance and outcomes

Simply Approved Business Loans does not publish specific funded volumes, customer counts, or approval-rate percentages on the Site. Where qualitative claims appear (for example, "funding in as little as 24 hours," "flexible credit options," or "no upfront fees"), they describe general program features and typical outcomes for qualified applicants who submit complete documentation. Individual results vary. Funding speed, amount, and pricing depend on lender underwriting, documentation quality, and business profile, and are never guaranteed.

6. Merchant cash advances are not loans

Merchant cash advances (MCAs) and revenue-based financing are commercial purchase-of-future-receivables transactions, not loans. They are not subject to usury laws applicable to consumer loans. The factor rate quoted is a multiplier (e.g., 1.20–1.49), not an annual percentage rate. Term loans, lines of credit, SBA loans, equipment financing, and other credit products are subject to applicable U.S. state, U.S. federal, Canadian provincial, and Canadian federal commercial lending laws. Product availability varies by jurisdiction. Where required by law (including New York, California, Utah, Virginia, Connecticut, Georgia, and Kansas commercial financing disclosure statutes), the funding partner will provide an itemized commercial financing disclosure prior to funding.

7. Credit-reporting authorization

By submitting an application, you authorize Simply Approved Corporation, Advance Funds Network, and their funding partners to obtain consumer reports and business credit reports from one or more credit reporting agencies in connection with pre-qualification, underwriting, funding, servicing, collections, and any review, renewal, extension, or securitization of credit. A soft inquiry may be performed during pre-qualification and will not affect your personal credit score. A hard inquiry may be performed before final funding and may affect your score. This authorization is governed by the U.S. Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Gramm-Leach-Bliley Act (GLBA), and analogous Canadian credit-reporting laws.

8. Equal Credit Opportunity Act notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. Canadian applicants are protected by analogous federal and provincial human rights and consumer-protection laws.

9. USA PATRIOT Act / FinCEN identification notice

To help the U.S. government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for credit, including beneficial owners. We and our funding partners may ask for your name, address, date of birth, SSN/EIN, and other information that allows us to identify you, and we may ask to see government-issued identification. Canadian applicants are subject to analogous obligations under the Proceeding of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and FINTRAC.

10. Communications, AI follow-up, TCPA & CASL consent

By submitting your phone number, email, or other contact information, you expressly consent to receive calls, text messages (SMS/MMS), emails, voicemails, and other communications from Simply Approved Corporation, the Simply Approved Business Loans brand, our affiliates, service providers, and funding partners (including Advance Funds Network and its lender network), including those sent using an automatic telephone dialing system, prerecorded or artificial voice, ringless voicemail, and artificial intelligence (AI), conversational AI agents, AI voice assistants, AI-generated outbound calls, AI chatbots, and automated follow-up and machine-learning driven dialing or messaging systems, for application intake, identity and information verification, underwriting follow-up, servicing, collections, renewals, customer support, quality assurance, training, and marketing purposes. You acknowledge that some or all such communications may be initiated, generated, voiced, or routed by AI systems, and you agree this constitutes prior express written consent under the U.S. Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227; 47 C.F.R. § 64.1200), Canada's Anti-Spam Legislation (CASL), and analogous U.S. state and Canadian provincial laws. Consent to AI, automated, or prerecorded contact is not a condition of obtaining credit, goods, or services. Message frequency varies; message and data rates may apply. Reply STOP to opt out of SMS, HELP for help, use the unsubscribe link in any marketing email, or email info@simplyapprovedbusinessloans.com to revoke consent. Calls and AI-assisted conversations may be monitored, recorded, transcribed, and analyzed for quality, training, AI model improvement, fraud prevention, and legal compliance where permitted by law.

11. Government and third-party data

Live data, calculators, and statistics shown on the Site (including Federal Reserve Economic Data / FRED, Bureau of Labor Statistics, U.S. Census Bureau, U.S. Treasury, U.S. Small Business Administration, and analogous Canadian sources) are provided for educational purposes only. Data may be delayed, revised, or discontinued without notice. We make no warranty as to the accuracy, completeness, or timeliness of third-party data and disclaim liability for reliance on it. Verify current figures with the source agency before relying on them.

12. Testimonials and case studies

Testimonials, reviews, case studies, and customer outcomes appearing on the Site reflect individual experiences of actual customers of Simply Approved Corporation or its funding partners. They are not paid endorsements unless expressly disclosed. Individual results vary, and prior results do not guarantee future outcomes.

13. Trademarks and logos

"Simply Approved Business Loans" and our logos are trademarks of Simply Approved Corporation. All other trademarks, service marks, trade names, and logos appearing on the Site are the property of their respective owners and are used for identification purposes only. Their display does not imply sponsorship, endorsement, or affiliation.

14. No legal, tax, accounting, or financial advice

Nothing on the Site constitutes legal, tax, accounting, investment, or financial advice. You should consult a qualified professional before entering into any financing agreement or making business decisions based on information presented on the Site.

15. State and provincial licensing

Simply Approved Corporation is not required to hold a lender's license because we do not originate, underwrite, or fund credit. Where applicable, our funding partners hold the licenses required to originate the credit products they offer (including, where applicable, California Financing Law licenses, New York commercial financing registrations, Vermont commercial loan broker licenses, and provincial Canadian licenses or registrations). Licensing details for Advance Funds Network are available on request.

16. No guarantee; "as is"

The Site and Services are provided "as is" and "as available." To the maximum extent permitted by law, Simply Approved Corporation disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not guarantee that any application will be approved or funded, that any funding partner will offer particular terms, or that the Site will be uninterrupted or error-free.

17. Updates to these Disclosures

We may update these Disclosures from time to time. The "Effective date" reflects the latest revision. Continued use of the Site after the effective date constitutes acceptance of the updated Disclosures.

18. Contact

For questions about these Disclosures or to request additional information, including licensing details for our funding partners:

• Email: info@simplyapprovedbusinessloans.com
• Phone: (844) 440-9139
• Mail: Simply Approved Corporation, Attn: Compliance, 633 W 5th St, Ste 2600, Los Angeles, CA 90071, US

See also our Privacy Policy and Terms of Use. These Disclosures are provided for general informational purposes and do not constitute legal advice.