Terms of Use

PLEASE READ CAREFULLY. These Terms of Use contain a binding arbitration agreement and a class-action waiver in Section 16 that affect your legal rights. By using this Site or submitting an application, you agree to be bound by these Terms.

1. Acceptance

These Terms of Use ("Terms") form a binding agreement between you ("you," "your") and Simply Approved Corporation, a corporation that owns and operates the Simply Approved Business Loans brand and website (together with its affiliates and subsidiaries, "Simply Approved," "we," "us," "our"). Simply Approved Business Loans is a wholly-owned trade name, brand, and division of Simply Approved Corporation; all rights, obligations, and liabilities arising under these Terms run to and from Simply Approved Corporation. These Terms govern your access to and use of simplyapprovedbusinessloans.com and any related pages, applications, content, and services (collectively, the "Site"). By accessing the Site, submitting a funding inquiry, calling, texting, emailing, or otherwise interacting with us, you confirm that you (a) are at least 18 years old or the age of majority in your jurisdiction, (b) have the legal authority to enter into these Terms on your own behalf and on behalf of any business you represent, and (c) accept and agree to these Terms and our Privacy Policy and Disclosures.

2. Nature of the Services — we are not a lender

Simply Approved Corporation operates the Site as an independent marketing, matching, and referral service for commercial business financing. We are not a bank, lender, broker-dealer, 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 in its network. We may receive compensation from a funding partner if your business is approved and funded.

3. No offer of credit; illustrative terms only

Nothing on the Site constitutes an offer, commitment, or obligation to extend credit. All loan amounts, factor rates, interest rates, APRs, fees, terms, repayment schedules, and funding speeds shown on the Site (including phrases like "same-day decisions" or "24-hour funding") are illustrative ranges only. 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 structure, and applicable U.S. state, U.S. federal, Canadian provincial, and Canadian federal commercial lending laws. Not all applicants will qualify, and approval is never guaranteed. No application creates a contract; you have no funding agreement until a final, written offer is signed by both parties.

4. Eligibility and accuracy of information

To submit an application, you must (a) be a legal owner, officer, or authorized representative of a business operating in the United States or Canada, (b) be authorized to provide the information you submit, including any third-party information, and (c) provide accurate, current, and complete information. You agree not to misrepresent your identity, business, or financial condition. Submitting false or misleading information may constitute fraud and may result in denial, account termination, and referral to law enforcement.

5. Application authorization

By submitting an application, you authorize Simply Approved Corporation, Advance Funds Network, and their funding partners to:

• obtain consumer and business credit reports from one or more credit reporting agencies (a soft inquiry during pre-qualification will not affect your personal credit score; a hard inquiry may be performed before funding and may affect your score);
• verify the information you submit, including bank, tax, and identity records;
• share your application and supporting documents with funding partners and lenders for evaluation, underwriting, funding, servicing, collections, renewal, and securitization;
• contact you by phone, SMS, prerecorded or artificial-voice messages, email, mail, or chat for application, servicing, and marketing purposes (see Section 6).

6. Communications, AI, and TCPA / CASL consent

By providing your phone number, email address, or other contact information, you expressly consent to receive calls, text messages (SMS/MMS), emails, voicemails, and other communications, including those sent using an automatic telephone dialing system, prerecorded or artificial voice, ringless voicemail, or automated, AI-generated, AI-assisted, conversational AI, AI voice agents, AI chatbots, and machine-learning-driven systems, from Simply Approved Corporation, the Simply Approved Business Loans brand, our affiliates, service providers, and funding partners (including Advance Funds Network and lenders in its network) at the number(s) and address(es) you provide, for application intake, identity and information verification, underwriting follow-up, servicing, collections, renewals, customer support, quality assurance, training, and marketing purposes. You acknowledge and agree that some or all of these communications may be initiated, drafted, delivered, or carried out in whole or in part by artificial intelligence systems and that such AI-driven contact constitutes valid prior express written consent under the U.S. Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227 and 47 C.F.R. § 64.1200, and express or implied consent under Canada's Anti-Spam Legislation (CASL), S.C. 2010, c. 23, as well as analogous U.S. state and Canadian provincial laws (including Florida's FTSA, Oklahoma's TCPA, Washington's CEMA, and Quebec's Law 25). Consent to AI, automated, or prerecorded contact is not a condition of obtaining credit or any good or service. 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 contact info@simplyapprovedbusinessloans.com to revoke consent. Calls and AI-assisted conversations may be recorded, transcribed, and analyzed for quality, training, model improvement, fraud prevention, and compliance where permitted by law. You represent that you are the subscriber or customary user of any phone number you provide and have authority to grant this consent.

6A. Online advertising, tracking pixels, and social-media marketing

You acknowledge and consent that the Site uses online advertising, analytics, and conversion-tracking technologies provided by third-party platforms, including Meta Platforms, Inc. (Facebook, Instagram, Messenger, WhatsApp, the Meta Pixel, Conversions API, and Custom/Lookalike Audiences), Google LLC (Google Ads, Google Analytics, Google Tag Manager, Google Signals, YouTube, DoubleClick/Display & Video 360, the Google conversion tag, and Customer Match), and similar networks (e.g., TikTok, LinkedIn, X/Twitter, Microsoft/Bing Ads, Pinterest, Reddit). These technologies use cookies, SDKs, web beacons, server-side events, device identifiers, IP addresses, hashed identifiers (such as hashed email or phone), and on-site behavioral signals to (a) measure ad performance and conversions, (b) build and target custom, similar, and lookalike audiences, (c) retarget you with ads on third-party properties, (d) match you to existing user profiles on those platforms, and (e) optimize our marketing campaigns. By using the Site or submitting an application, you consent to Simply Approved Corporation sharing limited information — including hashed contact details and event data — with these advertising platforms for these purposes, subject to each platform's own terms and privacy policy. You may opt out through our Cookie Policy, your device or browser settings, the Digital Advertising Alliance (optout.aboutads.info), the Network Advertising Initiative (optout.networkadvertising.org), the AdChoices Canada program (youradchoices.ca), and platform-specific ad-settings pages on Meta and Google. We do not control and are not responsible for the practices of these third-party platforms.

7. Electronic signatures and records

You consent to receive disclosures, agreements, notices, and other communications electronically, and to use electronic signatures, in accordance with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN), the Uniform Electronic Transactions Act (UETA), Canada's PIPEDA Part 2, and analogous provincial e-commerce statutes. You may withdraw this consent by contacting info@simplyapprovedbusinessloans.com, but doing so may prevent us from processing your application.

8. Acceptable use

You agree not to:

• use the Site for any unlawful, fraudulent, or harmful purpose;
• submit information about another person without authorization;
• scrape, copy, mirror, or systematically extract Site content without our written consent;
• reverse engineer, decompile, or attempt to derive the source code of the Site;
• introduce viruses, malware, or other harmful code;
• interfere with the Site's security, performance, or availability;
• use the Site to harass, defame, or impersonate any person or entity;
• access the Site through automated means (bots, crawlers) other than standard search-engine indexing.

9. Intellectual property

The Site, including text, graphics, logos, icons, images, audio, video, software, calculators, data compilations, and the overall "look and feel," is the property of Simply Approved Corporation or its licensors and is protected by U.S., Canadian, and international copyright, trademark, trade dress, patent, and other intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to view and use the Site for your own legitimate, non-commercial purpose of evaluating financing for your business. All other rights are reserved. "Simply Approved Business Loans" and our logos are trademarks of Simply Approved Corporation.

10. Third-party content and links

The Site may contain links to or content from third parties, including funding partners, government data sources, and informational resources. We do not control and are not responsible for third-party content, products, services, or privacy practices, and the presence of a link does not imply endorsement.

11. Government and statistical data

The Site presents publicly available statistics from sources such as the Federal Reserve Economic Data (FRED), Bureau of Labor Statistics (BLS), U.S. Census Bureau, U.S. Treasury, U.S. Small Business Administration (SBA), and analogous Canadian sources. 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.

12. Disclaimer of warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SIMPLY APPROVED CORPORATION, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND TITLE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES, OR THAT ANY FUNDING PARTNER WILL APPROVE YOUR APPLICATION OR OFFER ANY PARTICULAR TERMS. NO ADVICE OBTAINED FROM US CREATES ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SIMPLY APPROVED CORPORATION AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS OPPORTUNITY, OR DATA, ARISING OUT OF OR RELATED TO THE SITE, THE SERVICES, OR ANY FUNDING PARTNER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY. OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, IN WHICH CASE THEY APPLY TO THE FULLEST EXTENT PERMITTED.

14. Indemnification

You agree to defend, indemnify, and hold harmless Simply Approved Corporation, its affiliates, and their officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Site, (b) your violation of these Terms, (c) information you submit (including third-party information), or (d) your violation of any law or third-party right.

15. Governing law

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of California, U.S.A., without regard to conflict-of-laws rules. The U.N. Convention on Contracts for the International Sale of Goods does not apply. Subject to Section 16, the state and federal courts located in Los Angeles County, California, will have exclusive jurisdiction.

16. Binding arbitration; class-action waiver

Please read this section carefully — it affects your legal rights. Except for (i) small-claims actions and (ii) disputes about intellectual property, any dispute, claim, or controversy between you and Simply Approved Corporation arising out of or relating to the Site, the Services, marketing, communications, or these Terms ("Dispute") will be resolved by binding individual arbitration administered by JAMS (or, if JAMS is unavailable, the American Arbitration Association) under its applicable consumer or commercial rules, before a single arbitrator, in Los Angeles County, California, or another mutually agreed location, in English. The Federal Arbitration Act governs the interpretation and enforcement of this agreement.

Class-action waiver. You and Simply Approved agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, mass, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

30-day opt-out. You may opt out of this arbitration agreement by sending written notice to info@simplyapprovedbusinessloans.com within 30 days of first accepting these Terms, stating your name, address, and a clear statement that you wish to opt out. Opting out will not affect any other provision of these Terms.

Quebec residents and other consumers in jurisdictions where pre-dispute arbitration of consumer claims is restricted may pursue claims in their local courts to the extent required by applicable law.

17. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including suspected violation of these Terms. Sections that by their nature should survive termination will survive, including Sections 2–3, 9, 12–16, and 18.

18. Miscellaneous

These Terms, together with our Privacy Policy and Disclosures, constitute the entire agreement between you and Simply Approved Corporation regarding the Site and supersede all prior agreements on the subject. If any provision is held unenforceable, the remaining provisions will remain in full force, and the unenforceable provision will be modified to the minimum extent necessary. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our written consent; we may assign freely. Notices to us must be sent to info@simplyapprovedbusinessloans.com or to 633 W 5th St, Ste 2600, Los Angeles, CA 90071, US.

19. Changes to these Terms

We may modify these Terms at any time by posting the revised version on the Site and updating the "Effective date." Material changes will be communicated as required by law. Your continued use of the Site after the effective date constitutes acceptance.

20. Contact

Simply Approved Corporation · 633 W 5th St, Ste 2600, Los Angeles, CA 90071, US · info@simplyapprovedbusinessloans.com · (844) 440-9139

These Terms are provided for general informational purposes and do not constitute legal advice. Consult an attorney about your specific situation.