1. Commercial & General Use Statement
Capital Business & Personal Financing LLC provides tailored financial products designed for commercial and structured personal development goals. By applying with us, you confirm that all funds will be utilized strictly in alignment with the specific application criteria, intended purposes, and terms agreed upon during the consultation process.
2. No Guarantee of Approval
Submission of an application, along with the required minimum of 3 months of banking or financial statements, does not guarantee an approval, specific funding amounts, precise pricing, or explicit timelines. All approvals are subject to formal underwriting review, compliance verification, risk assessment, and final approval by our credit committee or funding partners.
3. Application & Credit Authorization
By submitting an application, you authorize Capital Business & Personal Financing LLC and its designated partners/lenders to verify all submitted business and personal information. This includes obtaining corporate and consumer credit reports, verifying bank account activity, performing identity verification, conducting fraud prevention screening, and completing necessary OFAC and AML compliance checks.
4. Broker Registration & Licensing Compliance
Where required by state law, Capital Business & Personal Financing LLC maintains appropriate commercial finance broker registrations, business licenses, and strictly complies with applicable state-level financing disclosure laws and professional industry regulations.
5. Surety Bond Compliance
In jurisdictions where bonding is required for finance brokers, appropriate surety bonds are maintained, updated, and filed with the respective state authorities in accordance with statutory mandates.
6. State-Specific Financing Disclosures
Where required by local or state law, we ensure that mandatory disclosures are provided prior to contract execution. These disclosures include total repayment amounts, estimated APR (if applicable), payment frequencies, overall finance charges, prepayment policies, and broker compensation disclosures where legally required.
7. UCC Filing Procedures
Where applicable, financing agreements may require the filing of a UCC-1 financing statement to secure the transaction. We maintain precise internal procedures governing UCC authorization language, filing accuracy, amendment tracking, and prompt release procedures upon the complete satisfaction of your financial obligations.
8. ACH Authorization & Payment Processing
All automated debits require clear, written authorization within your executed agreements. Our ACH processing complies fully with NACHA operating rules and applicable federal banking standards to ensure secure and timely transaction management.
9. Confession of Judgment Compliance
Where legally permitted by state law and explicitly agreed upon contractually, confession of judgment provisions may be utilized. Such provisions are entirely excluded where prohibited by law and are enforced only in strict accordance with governing statutes.
10. TCPA & Communications Compliance
We comply fully with the Telephone Consumer Protection Act (TCPA) and related communication laws. Capital Business & Personal Financing LLC maintains secure opt-in tracking logs, timestamped consent records, and rapid opt-out processing systems to respect your communication preferences.
11. AML & OFAC Screening
To prevent financial fraud, we maintain rigorous Anti-Money Laundering (AML) procedures. This includes mandatory OFAC sanctions screening, identity verification protocols, fraud detection system triggers, and suspicious activity monitoring.
12. Data Security Standards
We utilize commercially reasonable administrative, technical, and physical safeguards—including SSL encryption, secure API connections, encrypted data transmission, role-based access controls, and secure document storage environments—to protect your sensitive data.
13. Client Portal Disclaimer
The Designs Utility client portal and associated digital access points provide informational updates regarding payment history, account summaries, and funding status. Official obligations and balances are governed solely by your executed financing agreements.
14. Electronic Signatures & Records (E-SIGN)
By using our website, communication portals, and executing agreements electronically, you consent to electronic signatures and the electronic delivery of records in accordance with the Federal ESIGN Act and the Uniform Electronic Transactions Act (UETA).
15. SMS Consent Policy
By submitting your contact information, you consent to receive SMS messages regarding application status, underwriting requests, funding updates, and account notifications from Capital Business & Personal Financing LLC. Message frequency varies based on your files. Message and data rates may apply. Reply STOP to opt out at any time.
16. California Privacy Notice (CCPA/CPRA)
California residents hold the right to request access to, deletion of, or correction of personal information maintained in our systems. We do not sell personal information for monetary consideration. Any data access requests will require strict identity verification to protect your security.
17. ADA Accessibility Statement
We strive to comply with WCAG 2.1 accessibility standards and provide reasonable accommodations for individuals experiencing difficulty accessing our digital content or website.
18. Do Not Sell or Share My Personal Information
Residents in protected privacy jurisdictions may request that we do not share their personal or commercial information for cross-context behavioral advertising purposes. We respect your data and restrict advertising use upon request.
19. Cookie Policy
Our web infrastructure uses cookies and similar digital technologies to enhance user experience, analyze site traffic, and optimize marketing performance. Users may disable or clear cookies at any time through their local browser settings.
20. Anti-Discrimination Statement
Capital Business & Personal Financing LLC does not discriminate on the basis of race, color, national origin, religion, gender, sexual orientation, age, disability, or any other legally protected status. All financing decisions are based strictly on legitimate, objective financial and underwriting factors.
21. Governing Law & Dispute Resolution
All agreements are governed by the laws specified within the final executed financing contracts. Dispute resolution provisions, including arbitration clauses where applicable, are clearly defined within your signed agreements.
Business Reference Details
- Official Entity Name: Capital Business & Personal Financing LLC
- Contact Emails: business@capitalbpfinancing.solutions
- Contact Telephones: 704-343-6377 | 704-378-8688
- Registered Office Address: 2020 Remount Road – Ste E- 103, Gastonia, NC 28054