Full Disclosure Statement

1. Our Role as a Financial Intermediary

BusinessLoanBrokers.com ("Business Loan Brokers," "we," "us," or "our") operates as a business loan broker and financial intermediary. Our role is to:

• Evaluate your business profile and funding needs
• Match your application with appropriate lenders in our network
• Assist in preparing and submitting loan applications
• Facilitate communication between you and prospective lenders
• Help you compare funding offers and choose the best fit

We act as an intermediary between business owners seeking capital and the lenders, financial institutions, and alternative funding providers who supply that capital. We do not make lending decisions, set underwriting criteria, or have discretion over whether a loan is approved or denied.

2. We Do Not Lend Money Directly

Business Loan Brokers is NOT a lender. We do not fund loans, extend credit, or originate loans of any kind. All funds disbursed to clients come directly from the third-party lenders, banks, credit unions, or alternative funding companies in our network.

The lending relationship is exclusively between you (the borrower) and the lender you choose to work with. Business Loan Brokers is not a party to the loan agreement, promissory note, or any other financing contract between you and a lender.

Any references on this website to "our loans," "our rates," or "our funding" are used for convenience and refer to funding products offered through our lender network — not products originated by Business Loan Brokers itself.

3. How We Are Compensated

Our services are provided at no direct cost to you, the business owner. We do not charge application fees, origination fees, or advisory fees to clients. We are compensated through referral fees and/or broker commissions paid by lenders in our network when a loan is successfully closed.

The amount of compensation we receive varies by lender and by loan product. This compensation structure may create an incentive to recommend products or lenders that pay higher referral fees. We are committed to disclosing this arrangement and to matching clients with the most suitable funding option for their needs — not the most profitable option for us.

In some cases, we may receive compensation from our credit-building and business advisory program partners (such as Credit Suite / Fundability™) in addition to lender referral fees. Any such compensation relationships are independent of the specific loan recommendations we make.

4. Our Lender Network

Business Loan Brokers maintains relationships with a network of 300+ lenders, banks, credit unions, and alternative funding providers across the United States. The lenders in our network are independent third parties, each with their own underwriting standards, licensing, and regulatory obligations. The following table represents a portion of the types of lenders and funding providers we work with:

This list is representative and not exhaustive. Our lender network is subject to change. The inclusion of a lender on this list does not constitute an endorsement by that lender of Business Loan Brokers, nor does it constitute an endorsement by Business Loan Brokers of that lender's products or practices.

Each lender in our network is a separate legal entity responsible for its own lending practices, terms, disclosures, licensing, and regulatory compliance. Business Loan Brokers does not control, supervise, or guarantee the conduct of any lender in our network.

5. No Guarantee of Approval

Nothing on this website, in any marketing materials, or in any communication from Business Loan Brokers or its representatives constitutes a guarantee, promise, or commitment to provide financing. All loan approvals are subject to:

• The lender's individual underwriting criteria and credit policies
• Verification of the information provided in your application
• The lender's current risk appetite and lending capacity
• Applicable state and federal lending regulations
• Your business's financial condition at the time of underwriting

Pre-qualification or conditional approval by Business Loan Brokers does not guarantee final approval by a lender. Final credit decisions are made solely by the lender.

6. Rates, Terms & Advertised Amounts

Any interest rates, loan amounts, repayment terms, factor rates, or other financial figures referenced on this website are estimates or ranges based on typical outcomes and are not guaranteed offers. Actual rates and terms depend on:

• Your personal and business credit scores
• Your business's annual revenue, cash flow, and profitability
• Time in business and industry type
• The specific lender and loan product selected
• Collateral offered (if applicable)
• Current market interest rate conditions

Rates and terms are set exclusively by the individual lenders and are subject to change at any time without notice. Business Loan Brokers does not negotiate rates on your behalf in a fiduciary capacity, though we do facilitate the presentation of competing offers when available.

Annual Percentage Rates (APR) may vary significantly across lenders and product types. Merchant cash advances and short-term working capital products may carry effective APRs that are substantially higher than those of traditional bank loans or SBA loans. We encourage all clients to review all terms carefully and consult with a financial advisor before accepting any financing offer.

7. Credit Inquiries

During the initial matching process, Business Loan Brokers typically performs a soft credit inquiry on your personal and/or business credit, which does not affect your credit score. When your application is submitted to one or more lenders for formal review, those lenders may perform a hard credit inquiry, which can temporarily lower your personal credit score.

We minimize unnecessary hard inquiries by targeting applications to lenders most likely to approve your specific profile. However, we cannot guarantee that any particular lender will use a soft or hard pull as part of their underwriting process.

8. Data Sharing with Lenders

By submitting an inquiry or application through BusinessLoanBrokers.com, you authorize us to share your business and personal financial information with lenders and funding providers in our network for the purpose of obtaining financing quotes and offers. This sharing is limited to lenders that we believe may be a suitable match for your funding needs.

We do not sell your personal information to third parties for their own independent marketing purposes. For full details on how we collect, use, and protect your information, please review our Privacy Policy.

9. Regulatory Compliance

Business Loan Brokers operates in compliance with applicable federal and state laws governing business loan brokerage and financial intermediary services. We do not hold lending licenses and do not represent ourselves as a licensed lender, bank, or financial institution of any kind.

Business Loan Brokers is not a bank, credit union, mortgage lender, or registered investment advisor. We are not regulated by the FDIC, NCUA, OCC, SEC, or FINRA in connection with the services described on this website.

10. Questions & Contact

If you have any questions about this disclosure statement or our services, please contact us: