Important Disclosures

CapitalFunding is a business financing marketplace and is NOT a lender, bank, credit union, or financial institution. We do not originate, fund, or service loans. We do not make credit decisions. Our sole function is to collect business information from applicants and present that information to third-party lenders who may choose to make financing offers. Any financing offer you receive is made by an independent third-party lender, not by CapitalFunding. The terms of any financing, including interest rates, fees, repayment schedules, and collateral requirements, are determined solely by the lender and are subject to the lender's underwriting criteria. CapitalFunding does not guarantee that any applicant will receive a financing offer, or that any offer received will be on favorable terms.

CapitalFunding is compensated by lenders in our network when a loan is successfully funded. This compensation may take the form of referral fees, origination fees, yield spread premiums, or other arrangements negotiated between CapitalFunding and each lender. The compensation we receive from lenders may influence which lenders we partner with and how we present offers to applicants. However, we are committed to presenting all qualified offers to applicants regardless of compensation arrangements. The cost of lender compensation to CapitalFunding is typically reflected in the interest rate, origination fee, or other charges on your loan. You are not directly charged a fee by CapitalFunding for using our marketplace services. Compensation arrangements vary by lender and product type. We will disclose the estimated compensation associated with any specific offer upon request.

Annual Percentage Rates (APRs) and other rate information displayed on our website are for illustrative purposes only and represent estimated ranges based on recent lender data. Actual rates available to you will depend on your specific credit profile, business financials, loan amount, term, and lender underwriting standards. Rates displayed may not reflect current market conditions. Lender rates are subject to change without notice. The following rate ranges reflect recent offers on our platform (not guarantees): • Working Capital Loans: 12% – 45% APR • SBA 7(a) Loans: Prime + 2.25% to Prime + 4.75% • Equipment Financing: 5% – 30% APR • Business Lines of Credit: 10% – 40% APR • Invoice Factoring: 1% – 5% per 30-day period • Bridge Loans: 8% – 18% APR Factor rates (used by some working capital lenders) are different from APRs and represent total repayment amounts. A factor rate of 1.25 means you repay $1.25 for every $1.00 borrowed.

Submitting an application through CapitalFunding may result in credit inquiries that could affect your personal and/or business credit scores. Soft Credit Pulls: CapitalFunding and some lenders in our network perform "soft" credit inquiries during the initial pre-qualification stage. Soft inquiries do not affect your credit score and are not visible to other lenders. Hard Credit Pulls: Many lenders in our network will perform "hard" credit inquiries as part of their underwriting process before making a final credit decision. Hard inquiries may lower your credit score by a few points and remain on your credit report for up to 2 years. By accepting a financing offer and proceeding with a lender's application, you consent to hard credit inquiries. We will clearly disclose when a hard credit pull will occur before it is initiated.

Business financing involves risk. Before accepting any financing offer, carefully consider the following: Repayment Obligation: Business loans, lines of credit, and other financing products create legal obligations to repay the borrowed funds plus interest and fees according to the agreed schedule. Failure to repay may result in collection actions, damage to your credit, loss of collateral, and legal proceedings. Personal Guarantees: Many lenders require personal guarantees from business owners, meaning your personal assets may be at risk if your business cannot repay the loan. Collateral Requirements: Some financing products require collateral (such as real estate, equipment, or receivables). Failure to repay may result in loss of the pledged collateral. Cash Flow Impact: Loan repayments will reduce your business's available cash flow. Ensure that projected repayments are sustainable given your business's financial position. Not Investment Advice: Nothing on the CapitalFunding platform constitutes investment, tax, legal, or financial advice. We strongly recommend consulting with qualified legal, tax, and financial advisors before entering into any financing arrangement.

California: CapitalFunding is not licensed as a finance lender in California. We operate as a commercial financing broker. Commercial financing products are exempt from certain California consumer lending laws when the financing is for business purposes and the loan amount meets applicable thresholds. New York: Pursuant to New York Department of Financial Services regulations, commercial financing providers are required to disclose the Annual Percentage Rate (APR) and other key terms for commercial financing transactions of $2.5 million or less. These disclosures will be provided in any financing offer you receive from New York-regulated lenders. Virginia: Commercial financing offers from Virginia-licensed lenders will include disclosures required under the Virginia Consumer Protection Act and applicable commercial lending regulations. Other States: CapitalFunding connects applicants with lenders licensed or authorized in their respective states. State-specific disclosures and licensing information will be provided in accordance with applicable law in your state. For state licensing information for specific lenders in our network, please contact us at compliance@capitalfunding.com.

CapitalFunding is committed to fair and equal access to business financing. We do not discriminate against applicants on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, or any other characteristic protected by federal, state, or local law. Equal Credit Opportunity Act (ECOA): While the ECOA primarily applies to consumer credit, CapitalFunding voluntarily extends its principles to our business financing marketplace. We do not discourage applicants or influence lenders based on protected characteristics. If you believe you have been discriminated against in connection with an application through our platform, please contact our compliance team at compliance@capitalfunding.com or file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Lenders in the CapitalFunding network are independent third parties. CapitalFunding does not control lender underwriting decisions, customer service practices, or business operations. While we review lenders before including them in our network and require agreement to our partner terms, we cannot guarantee the conduct of individual lenders. CapitalFunding is not responsible for: • A lender's failure to fund an approved loan • Lender errors in loan processing or servicing • Changes in lender terms after an offer is made • A lender's compliance with applicable law (though we require such compliance contractually) If you have a complaint about a lender, please contact the lender directly. You may also contact CapitalFunding at support@capitalfunding.com and we will attempt to assist in resolving the issue.