Terms of Serivce

Effective Date: Aug 2026

Last Updated: Aug 2026

These Terms of Service ("Terms") govern your access to and use of the Coast 2 Coast Business Lending LLC ("C2C," "we," "us," or "our") website, quick qualifier tool, and related services (collectively, the "Services"). By using our Services, you agree to these Terms. If you don't agree, please don't use our Services.

These Terms are between Coast 2 Coast Business Lending and the business or individual using our Services ("you" or "your").

Who Can Use Our Services

Our Services are intended for business owners seeking funding for their business. By using our Services, you confirm that:

- You are at least 18 years old

- You have the authority to act on behalf of the business you represent

- The information you provide is accurate and truthful

- Your business is not a franchise or multi-location chain, unless otherwise agreed with Coast 2 Coast Business Lending directly

What We Do (and Don't Do)

C2C provides business funding options, including but not limited to interest-only loans, revolving lines of credit, flex pay loans, working capital loans, and bridge loans. Depending on the product, C2C may act as a direct funder, a broker connecting you with funding partners, or both.

Important things to understand:

Submitting an application or using our quick qualifier tool does not guarantee funding. All funding is subject to underwriting, verification, and approval.

Our quick qualifier tool provides a preliminary estimate only. It is not a formal offer, commitment, or approval of funding.

Final terms, rates, and amounts are determined during the underwriting process and will be disclosed to you directly before you accept any funding agreement.

C2C is not a bank. Our funding products are business financing solutions, not traditional bank loans, and are not FDIC insured.

Your Responsibilities

When using our Services, you agree to:

- Provide accurate, current, and complete information

- Update us if any information you've provided changes materially

- Use our Services only for lawful business purposes

- Not misrepresent your business, financials, or identity

- Not attempt to interfere with, hack, or disrupt our website or Services

- We reserve the right to deny, suspend, or terminate your access to our Services if we believe these Terms have been violated.

Application and Underwriting

When you apply for funding, you authorize Coast 2 Coast Business Lending (and, where applicable, our funding partners) to:

Verify the information you've submitted

Pull business and/or personal credit reports as part of underwriting

Contact you, your business, or third parties (such as your bank or accountant) to confirm application details

Share your application information with funding partners for evaluation, as described in our Privacy Policy

You understand that credit inquiries may affect your credit profile, and that approval is not guaranteed.

Fees and Payments

If you're approved for and accept funding, the specific fees, repayment terms, and schedule will be outlined in a separate funding agreement provided to you before funds are disbursed. These Terms do not constitute a funding agreement. Any funding agreement you sign will govern the specific terms of your financing.

Intellectual Property

All content on our website, including text, graphics, logos, and educational materials, is owned by Coast 2 Coast Business Lending or our licensors and is protected by intellectual property law. You may not copy, reproduce, or distribute our content without our written permission.

Third-Party Links and Services

Our Services may reference or link to third-party websites or services, including funding partners. We aren't responsible for the content, accuracy, or practices of third-party sites, and your use of them is subject to their own terms and policies.

Disclaimers

Our Services are provided "as is" and "as available," without warranties of any kind, express or implied. We don't guarantee that our Services will be uninterrupted, error-free, or that any funding outcome will meet your expectations.

Nothing on our website constitutes financial, legal, or tax advice. You should consult your own advisors before making financial decisions for your business.

Limitation of Liability

To the fullest extent permitted by law, Coast 2 Coast Business Lending and its owners, employees, and affiliates are not liable for any indirect, incidental, special, or consequential damages arising from your use of our Services, including but not limited to lost profits, lost business opportunities, or funding delays or denials.

Indemnification

You agree to indemnify and hold Coast 2 Coast Business Lending harmless from any claims, damages, or expenses (including reasonable attorney's fees) arising from your misuse of our Services, violation of these Terms, or violation of any law or third-party right.

Governing Law and Disputes

These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our Services will be resolved in the state or federal courts located in Georgia, unless otherwise required by law.

[Note: If Coast 2 Coast Business Lending prefers arbitration over court proceedings, an arbitration clause can be added here — recommend confirming with legal counsel.]

Changes to These Terms

We may update these Terms from time to time. When we do, we'll update the "Last Updated" date at the top of this page. Continued use of our Services after changes are posted means you accept the updated Terms.

Termination

We may suspend or terminate your access to our Services at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to C2C, our business, or other users.

Contact Us

If you have questions about these Terms of Serivce, reach out to [email protected]