Shield Funding offers a variety of Small Business Loans for business owners. Our business funding programs feature competitive rates and terms and we also offer bad credit business loans. Apply directly to one source and get your small business funded!

Fast Application Process

Prequalify for $5K - $400,000K Deposited into Your Business Account in as Little as 1 Day!

Privacy Policy

Fast Capital Rates
Website: https://www.fastcapitalrates.com
Effective Date: October 13, 2026
Last Updated: October 13, 2026

1. Introduction

Welcome to Fast Capital Rates ("Fast Capital Rates," "we," "us," or "our"). We operate www.fastcapitalrates.com (the "Website"), an online business financing marketplace and brokerage service that connects business owners with independent merchant cash advance ("MCA") providers, commercial financing companies, lenders, and other business funding partners.

We are committed to protecting the privacy and security of individuals and businesses that visit our Website, submit funding inquiries, or otherwise interact with our services.

This Privacy Policy explains how we collect, use, disclose, store, and protect information, including personal information, business financial information, and information collected through cookies and advertising technologies.

Fast Capital Rates is a business funding brokerage and referral service, not a direct lender or MCA funder. We do not make independent funding approval decisions or guarantee financing. Funding decisions, terms, and offers are determined by participating funding providers.

By using our Website, you acknowledge this Privacy Policy. Where required by applicable law, we obtain separate consent for specific data processing activities.

2. Information We Collect

We may collect information directly from you, automatically through your use of our Website, and from third-party sources.

A. Personal and Contact Information

First and last name
Business owner's name
Email address
Telephone and mobile phone numbers
Mailing and business addresses
Date of birth, when required for funding verification
Business ownership information
Other information voluntarily submitted

B. Business and Financial Information

When you request business financing, we may collect:

Legal business name and DBA
Business address and contact details
Business entity type and industry
Years in business
Monthly and annual business revenue
Requested funding amount
Existing business loans, cash advances, and financing obligations
Estimated credit score or credit score range
Business bank statements and transaction history
Bank account information, when necessary for processing
Tax identification numbers, EINs, or other verification information
Business ownership percentages
Financial statements and supporting documentation

We may collect additional information necessary to evaluate potential funding opportunities, verify information, or facilitate communication with participating funding providers.

C. Automatically Collected Information

When you visit our Website, we and our technology partners may automatically collect:

IP address
Browser type and version
Device type and operating system
Device and advertising identifiers
Approximate geographic location derived from IP address
Pages visited and links clicked
Time spent on pages
Referral URLs and traffic sources
Search terms and campaign attribution information
Website interactions and form activity
Cookie identifiers and tracking pixel data

We may combine this information with other information we maintain where permitted by applicable law.

D. Communications Information

We may maintain records of communications with you, including telephone calls, emails, text messages, funding inquiries, customer service interactions, and communications with funding representatives.

Calls may be monitored or recorded for quality assurance, training, compliance, and recordkeeping, subject to applicable notice and consent requirements.

3. How We Use Your Information

We may use collected information to:

Process business funding inquiries and applications.
Match businesses with potential funding providers.
Share applications with participating MCA funders, lenders, brokers, and commercial financing partners.
Verify business information and assess potential funding eligibility.
Contact you regarding funding requests, application status, additional documentation, and potential financing opportunities.
Provide customer support and respond to inquiries.
Deliver advertising and marketing communications where permitted by law.
Conduct remarketing and retargeting campaigns.
Analyze Website traffic, advertising performance, and conversion activity.
Detect fraud, prevent unauthorized activity, and maintain Website security.
Maintain business records and comply with legal obligations.
Improve our services, funding matching processes, and Website experience.

We may use automated systems to help route applications to appropriate funding partners. Final funding decisions are made by the relevant funding providers.

4. Sharing Information With Funding Providers

When you submit a business funding inquiry or application, your information may be shared with multiple independent funding companies.

These parties may include:

Merchant cash advance providers
Alternative business financing companies
Commercial lenders
Business funding marketplaces
Independent funding brokers and referral partners
Underwriting and verification service providers
Financial institutions involved in evaluating or facilitating business financing

Information shared may include your contact details, business profile, requested funding amount, revenue, credit information, financial documents, and other information relevant to your funding request.

We may receive compensation from funding providers for referrals, completed transactions, or successfully funded applications.

Participating funding providers may contact you regarding your application, request additional information, evaluate your eligibility, or present financing offers, subject to applicable law and your communication preferences.

Third-party funding providers operate independently and may maintain their own privacy policies, underwriting practices, and information-handling procedures.

Submitting an inquiry does not guarantee approval or funding.

We do not authorize our funding partners to use information received from us for purposes prohibited by applicable law or applicable contractual restrictions.

5. Other Third Parties With Whom We Share Information

We may disclose information to the following categories of recipients:

Service Providers: Website hosting providers, CRM platforms, cloud storage providers, communications platforms, analytics services, fraud prevention vendors, data security providers, and other companies performing services on our behalf.

Advertising and Analytics Partners: Google, Microsoft, Meta, and other advertising platforms that help measure advertising performance, analyze Website activity, and deliver relevant advertisements.

Business and Funding Partners: Companies involved in matching, evaluating, processing, or fulfilling your business financing inquiry.

Professional Advisers: Attorneys, accountants, auditors, compliance consultants, and other advisers when reasonably necessary.

Legal and Regulatory Authorities: Government agencies, courts, law enforcement, or other parties when required by law or necessary to protect legal rights.

Business Transactions: Potential purchasers, successors, or advisers in connection with a merger, acquisition, restructuring, financing, or sale of business assets, subject to applicable confidentiality and privacy obligations.

We do not disclose sensitive financial application documents to advertising platforms for behavioral advertising purposes.

6. Cookies, Pixels, and Tracking Technologies

www.fastcapitalrates.com uses cookies, pixels, tags, and similar technologies to operate the Website, understand visitor activity, measure marketing performance, and deliver relevant advertising.

Cookies are small files stored on your browser or device. Tracking pixels and similar technologies may collect information about your interactions with our Website and advertisements.

Types of Cookies We Use

Essential Cookies: Support core Website functions, security, navigation, and form submissions.

Analytics Cookies: Help us understand Website usage, visitor behavior, traffic sources, and performance.

Advertising Cookies: Help advertising platforms measure conversions, attribute leads to campaigns, and display relevant advertisements.

Retargeting Cookies: Help us reach visitors who previously interacted with our Website through advertising on other websites, search engines, social media platforms, and applications.

Preference Cookies: May remember certain Website settings and user preferences.

Some cookies are placed by us, while others are placed by third-party providers.

Where required by law, nonessential cookies and tracking technologies will be activated only after appropriate consent has been obtained.

7. Google Ads and Google Analytics

We may use Google advertising and analytics technologies, including:

Google Ads
Google Analytics 4
Google Ads Conversion Tracking
Google Ads Remarketing
Google Tag Manager
Google Customer Match, if enabled and legally permitted
Google Enhanced Conversions, if enabled and legally permitted

Google may use cookies, advertising identifiers, and similar technologies to collect information about your interactions with our Website and advertisements.

These technologies help us measure conversions, understand advertising effectiveness, create permitted advertising audiences, and display relevant advertisements across Google properties and participating third-party websites.

Google may process collected information in accordance with its own privacy policies.

Google Advertising Preferences: https://myadcenter.google.com/

Google Privacy Policy: https://policies.google.com/privacy

8. Microsoft Advertising and Bing Ads

We may use Microsoft Advertising, including Bing Ads and Microsoft Universal Event Tracking ("UET").

Microsoft Advertising technologies may collect information about Website visits, device characteristics, interactions, advertising referrals, and conversion events.

We use these technologies to measure advertising performance, optimize campaigns, and deliver relevant advertising to previous Website visitors where permitted.

Microsoft may collect or receive personal information through its advertising technologies and process that information for its own purposes in accordance with its privacy practices.

Microsoft Privacy Statement: https://privacy.microsoft.com/en-us/privacystatement

9. Facebook, Instagram, and Meta Advertising

We may use Meta advertising technologies, including:

Meta Pixel
Meta Conversions API, if enabled
Facebook Ads
Instagram Ads
Meta Custom Audiences, where permitted
Meta Website Retargeting

These technologies may collect or receive information concerning your interactions with our Website, including page visits, advertising interactions, and certain conversion events.

Where permitted, we may use this information to measure advertising performance, create advertising audiences, and show advertisements to individuals who previously visited or interacted with www.fastcapitalrates.com .

Meta may process this information in accordance with its own privacy policies.

Meta Privacy Policy: https://www.facebook.com/privacy/policy/

We do not intentionally transmit bank account numbers, Social Security numbers, or uploaded financial statements to Meta for advertising purposes.

10. Retargeting and Interest-Based Advertising

We may participate in retargeting and interest-based advertising programs operated by Google, Microsoft, Meta, and other advertising partners.

These programs may allow advertisements for Fast Capital Rates to appear after you visit our Website, including when browsing other websites, using search engines, or viewing social media platforms.

Advertising partners may use cookies, device identifiers, and other information to determine advertising relevance and measure campaign performance.

Depending on applicable law, these activities may constitute targeted advertising, cross-context behavioral advertising, or the sharing of personal information.

You may manage certain advertising preferences through:

Google Ads: https://myadcenter.google.com/
Meta Ads: https://www.facebook.com/adpreferences/
Microsoft: https://account.microsoft.com/privacy/
Digital Advertising Alliance: https://optout.aboutads.info/

These platform controls are separate from any privacy rights you may exercise directly with Fast Capital Rates.

11. Sale, Sharing, and Disclosure of Personal Information

Fast Capital Rates operates a commercial funding referral marketplace.

As part of our business model, we may receive compensation when funding inquiries are referred to participating funding providers or result in completed funding transactions.

Certain disclosures of personal information to funding partners, advertising networks, or other third parties may qualify as a "sale," "sharing," or "targeted advertising" under applicable state privacy laws, even when no direct payment is exchanged for personal information.

Where applicable, we provide legally required notices, consent mechanisms, and opportunities to opt out of qualifying sales, sharing, and targeted advertising.

An opt-out request will apply as required by law. It may not prevent disclosures necessary to complete a funding request you have specifically authorized, fulfill legal obligations, or perform other activities permitted by law.

We do not knowingly sell or share personal information of individuals under 16 for cross-context behavioral advertising without legally required authorization.

12. Telephone Calls, SMS, and Email Communications

If you provide your contact information, we may communicate with you concerning your funding inquiry, application status, requested documentation, and available financing opportunities.

Depending on your selections and applicable law, communications may include:

Telephone calls
SMS or text messages
Emails
Communications from authorized funding partners
Follow-up communications concerning requested funding services

Where required, we obtain separate, appropriate consent before sending marketing texts or placing telemarketing calls using technologies subject to consent requirements.

Your agreement to receive marketing calls or text messages is not a condition of purchasing or obtaining any product or service.

You may opt out of marketing text messages by replying STOP. Reply HELP for assistance where supported.

You may unsubscribe from marketing emails using the unsubscribe link included in those messages.

You may request that we stop marketing calls by informing our representative.

Opting out of marketing communications does not necessarily prevent nonmarketing communications related to an active funding application or other legally permitted purposes.

Consent to receive calls or messages, including from third-party funding providers, is governed by the disclosures and selections presented when you submit your information. This Privacy Policy alone does not constitute consent to telemarketing.

13. Credit Reports and Financial Verification

Certain funding providers may request permission to review personal or business credit information or verify financial information.

Depending on the provider and financing product, this may involve business credit inquiries, consumer credit inquiries, bank account verification, or financial document reviews.

Fast Capital Rates does not represent that all inquiries will be soft credit inquiries or that applying will never affect your credit score.

Any consumer credit report obtained for a purpose governed by the Fair Credit Reporting Act must be accessed and used only with a legally permissible purpose and any required authorization.

Funding providers are responsible for communicating their applicable credit inquiry procedures and obtaining legally required permissions.

14. Data Security

We recognize that business financing inquiries may involve sensitive personal and financial information.

We maintain administrative, technical, and organizational security measures designed to protect information against unauthorized access, alteration, disclosure, misuse, or destruction.

Depending on the systems and information involved, these measures may include access restrictions, authentication controls, encryption, vendor oversight, employee training, and security monitoring.

No internet transmission, electronic storage system, or security process can be guaranteed to be completely secure.

Where applicable, we will comply with legal requirements concerning information security and notification of qualifying data security incidents.

15. Data Retention

We retain personal and business information for as long as reasonably necessary to:

Process funding inquiries and applications
Maintain records of funding referrals
Provide requested services
Comply with legal, regulatory, tax, and accounting requirements
Maintain consent and communication records
Prevent fraud and protect our business
Resolve disputes and enforce agreements

Retention periods vary based on the information involved, the purpose for which it was collected, applicable legal requirements, and legitimate business needs.

When information is no longer reasonably necessary, we will delete, deidentify, or securely dispose of it, subject to applicable law and technical limitations.

16. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

Request confirmation of whether we process your personal information
Access personal information maintained about you
Request correction of inaccurate personal information
Request deletion of certain personal information
Obtain a portable copy of certain information
Opt out of qualifying sales of personal information
Opt out of targeted advertising or qualifying sharing
Limit certain uses of sensitive personal information
Opt out of certain qualifying automated decision-making activities
Appeal the denial of a privacy request, where applicable
Exercise privacy rights without unlawful discrimination

These rights are subject to applicable exemptions, identity verification, and legal requirements.

You may submit privacy requests through the privacy request options made available on our Website.

We will respond within the time required by applicable law. We may request additional information when necessary to verify your identity or authority.

Authorized agents may submit requests where permitted by law and subject to applicable verification requirements.

17. California Privacy Rights

This section applies to California residents to the extent the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA/CPRA"), applies to our processing activities.

Categories of Personal Information

During the preceding 12 months, depending on your interactions with us, we may have collected:

Identifiers, including names, contact information, IP addresses, and online identifiers
Personal information described in California Civil Code Section 1798.80
Commercial information, including funding inquiries and transaction information
Internet or electronic network activity information
Approximate geolocation information
Audio or electronic communications information
Professional or employment-related information
Sensitive personal information, such as financial account information or government identifiers when required for funding applications
Inferences derived from the information described above

We collect this information from individuals, business representatives, Website technologies, service providers, and authorized funding or verification partners.

We use and disclose these categories for the business and commercial purposes described in this Privacy Policy.

California Rights

Subject to applicable law, eligible California residents may request access, correction, deletion, information about our disclosures, and other rights provided under the CCPA/CPRA.

Eligible residents may also opt out of qualifying sales or sharing of personal information.

Do Not Sell or Share My Personal Information

California residents may exercise applicable opt-out rights through the privacy choices mechanism made available on our Website.

Where required by law, we recognize and honor valid opt-out preference signals, including Global Privacy Control ("GPC"), for the browser or device and other information to which the signal legally applies.

Sensitive Personal Information

We collect sensitive personal information when reasonably necessary to evaluate or facilitate requested funding services, verify identity, prevent fraud, or satisfy legal requirements.

If our uses or disclosures of sensitive personal information trigger a statutory right to limit, we will provide the legally required mechanism to exercise that right.

Non-Discrimination

We will not unlawfully discriminate against individuals for exercising applicable privacy rights.

18. Other U.S. State Privacy Rights

Residents of states with applicable comprehensive privacy laws may have additional rights concerning access, correction, deletion, portability, targeted advertising, personal information sales, and certain profiling activities.

These rights vary by jurisdiction and may be subject to statutory exemptions and eligibility requirements.

Where required, we will provide a mechanism to appeal a denied privacy request.

Requests may be submitted through the privacy request mechanisms made available on our Website.

19. Global Privacy Control and Do Not Track

Certain browsers and browser extensions transmit privacy preference signals, including Global Privacy Control.

Where legally required, we process valid GPC signals as requests to opt out of qualifying sales or sharing of personal information.

Browser-based "Do Not Track" signals are distinct from GPC. Because there is no universally adopted standard for responding to traditional Do Not Track signals, our Website may not respond to those signals unless required by applicable law.

20. Managing Cookies and Advertising Preferences

You can control certain cookies through your browser settings.

You may also use the Website's cookie preference controls, where available, to manage nonessential cookies and advertising technologies.

Disabling certain cookies may affect Website functionality or limit our ability to remember preferences.

Where required by law, we provide a method to withdraw consent for nonessential tracking.

Deleting cookies may require you to reselect your preferences on a future visit.

21. Third-Party Websites and Services

Our Website may contain links to third-party websites, funding applications, financing companies, or other services.

We are not responsible for the privacy practices, security measures, or content of independently operated third-party websites.

We encourage you to review the privacy policies and terms of any funding provider or third-party service before submitting additional information.

22. Children's Privacy

Fast Capital Rates provides business funding referral services intended for adults and business representatives who are at least 18 years old.

Our Website is not directed toward children under 18, and we do not knowingly collect personal information directly from children for our funding services.

If we become aware that we have collected personal information from a child in circumstances requiring deletion, we will take appropriate action consistent with applicable law.

23. International Visitors

Our services are primarily intended for businesses located in the United States.

If you access our Website from outside the United States, your information may be transferred to, stored in, or processed in the United States or other jurisdictions where our service providers operate.

Where applicable, we will comply with legal requirements governing international transfers of personal information.

24. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, information practices, technology, or legal obligations.

When changes are made, we will update the "Last Updated" date above.

If required by applicable law, we will provide additional notice or obtain consent before implementing material changes affecting personal information.

We encourage you to review this Privacy Policy periodically.