Terms of Service

FUND ONE LLC is a commercial financing company that connects businesses with funding solutions including merchant cash advances, business term loans, lines of credit, and revenue-based financing. FUND ONE is not a bank and does not offer traditional bank loans. All financing products are subject to underwriting approval and applicable laws.

To use our services, you must:

• Be at least 18 years of age
• Be an authorized representative of a U.S.-based business
• Have the legal authority to enter into financing agreements on behalf of your business
• Provide accurate and truthful information in all applications and communications

Nothing on this website constitutes an offer to lend or a commitment to provide financing. All financing is subject to underwriting review, approval, and execution of a formal financing agreement. Rates, terms, and amounts are subject to change and will be disclosed in full prior to any funding.

You agree to provide accurate, current, and complete information in all applications and communications with FUND ONE. Providing false, misleading, or fraudulent information may result in immediate denial of your application, termination of any existing agreement, and potential legal action. FUND ONE may verify any information you provide through third-party sources.

By submitting an application or inquiry, you expressly authorize FUND ONE and its partners to contact you via phone, email, or text message regarding your application and related financing products. Standard message and data rates may apply. You may opt out of marketing communications at any time by contacting us at info@fundone.one.

By submitting a financing application, you authorize FUND ONE and its funding partners to obtain consumer and/or business credit reports from one or more credit reporting agencies. Initial inquiries may be soft pulls that do not affect your credit score. Hard inquiries, which may affect your credit score, will only be conducted with your explicit consent prior to funding.

FUND ONE does not charge application fees. However, funded products may include origination fees, factor rates, interest charges, or other costs that will be fully disclosed in your financing agreement before signing. You are under no obligation to accept any financing offer.

FUND ONE operates in compliance with applicable federal and state laws governing commercial lending and business financing. Licensing requirements vary by state. Merchant cash advances are not loans and are not regulated as loans under most state lending laws. Business loans and lines of credit may be subject to state-specific licensing requirements. FUND ONE reserves the right to decline applications from residents of states where it is not licensed or authorized to operate.

All content on this website, including text, graphics, logos, images, and software, is the property of FUND ONE LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

This website and all information provided are offered on an “as is” and “as available” basis without warranties of any kind, either express or implied. FUND ONE does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. Information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice.

To the fullest extent permitted by law, FUND ONE LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim shall not exceed the amount of fees paid by you to FUND ONE in the 12 months preceding the claim.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in New York, NY, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.