Disclosures

Important Information About Our Products and Services

General Disclosures

Creditwisecapitallink is not a lender and is not a bank. We help businesses find and compare financing products, including lines of credit and term loans, offered by third-party funders in our network. All financing is provided by those funders and is subject to their credit approval and verification. Terms, rates, and conditions are set by each funder, vary based on qualifications, and are subject to change without notice.

Product Disclosures

The ranges below describe products available through funders in our network. Your actual terms are set by the funder and disclosed before you sign a financing agreement.

Line of Credit

• Credit Limits: $5,000 to $2,000,000
• Repayment Terms: 12, 18, or 24 months
• APR Range: 29.9% to 79.9% (varies based on creditworthiness)
• Draw Fee: May apply to each draw from your credit line
• Origination Fee: May apply based on credit profile

* Instant funding may be available from funders for approved line of credit customers who have completed identity verification and have a linked bank account. Funds are typically available within seconds but may take up to 24 hours in some cases.

Term Loan

• Loan Amounts: $5,000 to $2,000,000
• Repayment Terms: Up to 24 months
• APR Range: 27.3% to 99.9% (varies based on creditworthiness)
• Payment Frequency: Daily, weekly, or monthly (varies by product)
• Origination Fee: May range from 0% to 4% of the loan amount

† Same-day funding may be available from funders for qualified term loan applicants who are approved and sign their contract before 10:30 AM ET on a business day. Funding times may vary based on your bank.

Credit Reporting

Creditwisecapitallink does not report to credit bureaus. The funder that provides your financing may report your payment history to one or more credit bureaus. Late payments, missed payments, or other defaults may be reflected in your credit report and may negatively impact your credit score. We encourage all businesses to make timely payments to maintain a positive credit history.

Credit Inquiry Disclosure

When you apply, Creditwisecapitallink performs a soft credit inquiry to match you with financing options. A soft inquiry does not affect your credit score. Creditwisecapitallink does not perform hard credit inquiries.

APR Calculation

The Annual Percentage Rate (APR) represents the true annual cost of borrowing, including interest and certain fees, expressed as a yearly rate. APRs shown are estimates, and your actual APR will be disclosed by the funder before you sign your financing agreement. The APR you receive is determined by the funder based on multiple factors, including your credit history, time in business, revenue, and other underwriting criteria.

Prepayment

Prepayment terms are set by each funder and vary by product. Many products allow you to prepay your outstanding balance at any time without penalty, but for some products prepaying early may not reduce the total cost of financing. Please refer to your specific financing agreement for details on prepayment terms and any potential savings.

Collection Practices

Creditwisecapitallink does not service or collect on financing. If you fail to make required payments, the funder that provided your financing may pursue collection activities including, but not limited to: contacting you by phone, email, or mail; reporting delinquency to credit bureaus; engaging third-party collection agencies; and pursuing legal action to recover amounts owed. We encourage you to contact your funder immediately if you are experiencing financial difficulty.

Minimum Requirements

To be considered for financing, applicants generally must meet the following minimum requirements:

• At least 1 year in business
• Minimum $100,000 in annual business revenue
• Active business checking account
• Personal FICO score of 625 or higher

** Meeting these minimum requirements does not guarantee approval. All applications are subject to each funder's underwriting criteria and verification processes.

State-Specific Disclosures

Financing products and terms may vary by state and may not be available in all states. Creditwisecapitallink complies with all applicable state and federal laws. Residents of certain states may be subject to additional disclosures, terms, or restrictions as required by state law.

California Residents

If you are a California resident and accept a financing offer, you will receive from the funder a disclosure that complies with the California Financing Law (CFL) and, where applicable, the California Consumer Privacy Act (CCPA). You have the right to receive specific disclosures about the cost of financing and your rights under California law.

New York Residents

For New York businesses, the funder providing your financing will deliver disclosures in compliance with New York commercial financing disclosure requirements, including information about total amount financed, finance charges, APR, total repayment amount, and payment schedule.

Equal Opportunity

Creditwisecapitallink does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other protected class, and we work with funders who are required to comply with equal credit opportunity laws. All credit decisions are made by funders based on legitimate business factors.

Contact Information

For questions about these disclosures or the financing products available through our network: