Terms and Conditions

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

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1. Acceptance of Terms

Welcome to Fast Capital Rates ("Fast Capital Rates," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of www.fastcapitalrates.com (the "Website"), including all related services, business funding inquiries, applications, and communications.

By accessing or using our Website, submitting a funding inquiry, or requesting our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you should not use our Website or services.

You must be at least 18 years old and legally authorized to act on behalf of the business for which you are requesting financing.

2. Nature of Our Services

Fast Capital Rates is an independent business funding brokerage and referral service. We are not a direct lender, bank, or merchant cash advance funder.

Our services are designed to connect eligible businesses with independent third-party providers offering merchant cash advances, revenue-based financing, commercial loans, and other business financing products.

Fast Capital Rates may:

• Collect and review business funding inquiries.

• Evaluate preliminary funding eligibility.

• Match applicants with potential funding providers.

• Refer applications to one or more participating funding companies.

• Facilitate communications between applicants and funding providers.

• Assist applicants in understanding available funding options.

• Follow up regarding applications, funding offers, and related services.

All funding decisions are made independently by participating funding providers.

Fast Capital Rates does not guarantee approval, funding amounts, rates, terms, or the availability of financing.

3. Eligibility Requirements

By using our Website or submitting a funding request, you represent and warrant that:

• You are at least 18 years of age.

• You are the business owner or an authorized representative.

• You have the legal authority to submit information and request financing on behalf of the business.

• The business operates lawfully within the United States.

• All information you provide is accurate, current, and complete to the best of your knowledge.

• You will promptly update information that becomes inaccurate or incomplete.

• You are requesting financing primarily for legitimate business or commercial purposes.

Fast Capital Rates reserves the right to decline, suspend, or discontinue services when an applicant does not satisfy eligibility requirements or when information appears inaccurate, misleading, or fraudulent.

4. Business Funding Applications

When submitting a funding inquiry or application through our Website, you may be asked to provide information including:

• Business name and contact information

• Business ownership details

• Monthly or annual revenue

• Time in business

• Requested funding amount

• Existing business financing obligations

• Credit score range

• Business bank statements

• Financial documentation

• Other information reasonably necessary to evaluate funding options

By submitting this information, you authorize Fast Capital Rates to use and disclose it for the purpose of evaluating, matching, processing, and referring your funding inquiry as described in these Terms and our Privacy Policy.

You understand that submitting an inquiry does not create a loan agreement, financing commitment, or obligation for any provider to extend financing.

Additional applications, verification procedures, and documentation may be required by individual funding providers.

5. Authorization to Share Information With Funding Providers

By submitting a business funding request, you authorize Fast Capital Rates to share your application and related business information with multiple independent funding providers and referral partners for the purpose of evaluating potential financing opportunities.

These parties may include:

• Merchant cash advance companies

• Alternative business funding providers

• Commercial lenders

• Revenue-based financing companies

• Independent funding brokers

• Business financing marketplaces

• Underwriting and verification providers

• Financial institutions and related service providers

Participating providers may independently review your information, request additional documentation, and determine whether to offer financing.

You acknowledge that funding providers may have their own privacy policies, underwriting criteria, contractual terms, and application requirements.

Information sharing is subject to applicable privacy laws and the disclosures provided at the time of application.

Authorization to share information for funding evaluation does not, by itself, constitute consent to receive automated marketing calls or text messages.

6. No Guarantee of Approval or Funding

Fast Capital Rates does not guarantee that any applicant will receive financing.

Funding approval may depend on factors including:

• Business revenue

• Time in business

• Credit history

• Bank account activity

• Existing financing obligations

• Industry classification

• Underwriting requirements

• Funding provider policies

• Verification of submitted information

Any funding amounts, payment estimates, approval timelines, or financing terms displayed on our Website are illustrative unless expressly identified as an actual offer from a funding provider.

Prequalification, preliminary eligibility, or an indication of potential approval does not constitute final approval or a binding financing commitment.

Actual funding is subject to provider approval, completion of required documentation, execution of applicable agreements, and satisfaction of funding conditions.

7. Merchant Cash Advances and Financing Terms

Merchant cash advances and certain revenue-based financing products are generally commercial financing arrangements based on the purchase of future business receivables.

An MCA is not necessarily a traditional loan, and its legal classification depends on the applicable agreement, governing law, and structure of the transaction.

Depending on the funding product, financing terms may include:

• Advance or funded amount

• Purchased receivables amount

• Factor rate

• Total repayment or remittance amount

• Daily, weekly, or other remittance schedules

• Estimated financing duration

• Origination, underwriting, or other applicable fees

• Reconciliation provisions

• Default provisions

• Personal guarantees or other security arrangements

Factor rates are not equivalent to annual percentage rates (APRs).

The total cost of financing may be substantially higher than the amount originally advanced.

Some financing products may involve frequent withdrawals from a business bank account or a percentage of future receivables.

Applicants are responsible for reviewing all disclosures, fees, payment obligations, and contractual provisions before accepting financing.

Where applicable law requires standardized commercial financing disclosures, those disclosures must be provided by the party responsible under the relevant law.

8. Funding Rates, Advertised Offers, and Estimates

Any rates, funding amounts, repayment examples, approval timelines, or promotional claims displayed on our Website are subject to eligibility, underwriting, provider availability, and applicable law.

Advertised financing terms may not be available to every applicant.

Actual offers may vary based on business qualifications, financial history, provider criteria, and other factors.

Fast Capital Rates does not represent that every applicant will receive the lowest advertised rate or the maximum advertised funding amount.

No information displayed on our Website constitutes a binding financing offer unless expressly stated by the applicable funding provider.

9. Fees and Broker Compensation

Fast Capital Rates may receive compensation from participating funding providers, referral partners, or other commercial financing companies.

Compensation may be based on referrals, funded transactions, or other contractual arrangements.

The amount and structure of compensation may vary depending on the funding provider and financing product.

Applicants should review all applicable funding documents to determine whether any broker fees, origination charges, closing costs, or other fees apply.

Any fees payable by an applicant will be disclosed as required by applicable law.

Fast Capital Rates does not guarantee that third-party funding providers will offer financing without fees or additional costs.

10. Credit Checks and Financial Verification

Submitting an initial funding inquiry through Fast Capital Rates does not necessarily result in a consumer credit inquiry.

However, participating funding providers may request authorization to obtain business credit reports, consumer credit reports, bank account information, or other financial verification records.

Depending on the provider and financing product, credit inquiries may be soft or hard inquiries.

A hard credit inquiry may affect your personal credit score.

Any access to consumer credit reports must comply with the Fair Credit Reporting Act and other applicable laws, including requirements concerning permissible purposes and authorization where required.

Fast Capital Rates does not guarantee that applying for financing will have no effect on your credit.

11. Telephone Calls, SMS, and Email Communications

When you submit a funding inquiry, Fast Capital Rates may communicate with you regarding your request, application status, supporting documentation, and available funding opportunities.

Communications may include telephone calls, text messages, emails, and other legally permitted methods.

Marketing calls and text messages, including those using automated technologies where regulated, are subject to separate consent requirements under applicable law.

Where required, consent will be obtained through the disclosures and selections presented when you submit your information.

Consent to receive marketing calls or text messages is not a condition of purchasing or obtaining financing or any other service.

Message and data rates may apply.

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

Marketing emails may include an unsubscribe mechanism.

You may also request removal from marketing calling lists during a telephone conversation.

Revoking marketing consent does not necessarily prevent communications necessary to process an active funding request or otherwise permitted by law.

12. Third-Party Funding Providers

Fast Capital Rates works with independent third-party funding companies.

These providers are separate legal entities and are responsible for their own:

• Underwriting decisions

• Financing offers

• Credit evaluation procedures

• Funding agreements

• Payment collection procedures

• Customer service

• Contract administration

• Regulatory compliance obligations

Fast Capital Rates does not control every action or decision made by participating providers.

Once you enter into a financing agreement with a third-party provider, your contractual obligations are governed by that agreement.

Fast Capital Rates is not automatically a party to any financing agreement entered into between you and a funding provider.

Nothing in these Terms limits any responsibility or liability that cannot legally be excluded.

13. No Financial, Legal, or Tax Advice

Information provided through our Website is intended for general informational and commercial financing referral purposes.

Fast Capital Rates does not provide individualized legal, tax, accounting, or investment advice.

We do not act as your attorney, accountant, fiduciary, or independent financial adviser solely by providing brokerage or referral services.

You should consult qualified professional advisers when evaluating the financial, legal, and tax consequences of business financing.

You are responsible for determining whether any financing arrangement is appropriate for your business.

14. Accuracy of Information

You agree to provide truthful, accurate, and complete information when using our services.

You may not:

• Submit false or misleading business information.

• Impersonate another person or business.

• Submit financing applications without proper authorization.

• Provide fraudulent financial documents.

• Misrepresent business revenue or ownership.

• Use our Website for unlawful purposes.

• Attempt to interfere with Website security or functionality.

Fast Capital Rates may reject applications, suspend services, or take other lawful action when fraudulent or unauthorized activity is suspected.

15. Electronic Communications and Records

By using our Website, you acknowledge that certain communications, notices, and records may be provided electronically.

Where legally permitted, electronic communications may include application confirmations, funding-related notices, disclosures, and other service information.

If a transaction requires consent to electronic records or signatures under the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act") or applicable state law, the necessary disclosures and consent procedures will be provided separately.

These Terms do not replace any electronic records consent required for a particular transaction.

16. Website Cookies and Advertising Technologies

Our Website uses cookies, tracking pixels, analytics services, and advertising technologies to improve functionality, measure advertising performance, and deliver relevant marketing.

These technologies may include:

• Google Ads

• Google Analytics

• Google Remarketing

• Microsoft Advertising and Bing Ads

• Microsoft Universal Event Tracking

• Meta Pixel

• Facebook and Instagram advertising

• Website retargeting technologies

• Conversion tracking and attribution tools

Information concerning these technologies, including applicable privacy choices, is described in our Privacy Policy.

Use of our Website does not override any legally required consent or opt-out rights concerning advertising technologies.

17. Privacy and Information Security

Your use of our Website is also governed by our Privacy Policy, available at:

https://www.fastcapitalrates.com/privacy

We collect, use, retain, and disclose personal and business information as described in that policy.

We employ security measures designed to protect information, but no electronic system or internet transmission can be guaranteed to be completely secure.

You are responsible for providing accurate information and using reasonable precautions when submitting sensitive financial documentation.

18. Intellectual Property

All Website content, including text, graphics, logos, branding, layouts, designs, and other materials, is owned by Fast Capital Rates or used with permission from the applicable rights holders.

These materials are protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, republish, or commercially exploit Website content without prior written authorization, except as permitted by law.

Use of our Website does not grant you ownership of any intellectual property.

19. Third-Party Websites and Links

Our Website may contain links to independent funding providers, service providers, advertisers, or other third-party websites.

These links are provided for convenience and informational purposes.

Fast Capital Rates does not necessarily endorse or control the content, policies, security practices, or services of third-party websites.

Your interactions with third-party websites are governed by their respective terms and privacy policies.

We encourage you to review those terms before providing personal or financial information.

20. Website Availability

We strive to maintain reliable access to our Website and services.

However, we do not guarantee uninterrupted, error-free, or continuous availability.

The Website may occasionally be unavailable due to maintenance, technical difficulties, system updates, security concerns, or circumstances beyond our reasonable control.

We reserve the right to modify, suspend, or discontinue Website features or services, subject to applicable law.

21. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND OUR BROKERAGE AND REFERRAL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

Fast Capital Rates disclaims warranties of merchantability, fitness for a particular purpose, and noninfringement to the extent permitted by law.

We do not warrant that:

• Financing will be approved.

• Any particular funding amount will be available.

• A specific rate or financing term will be offered.

• Funding will occur within a particular timeframe.

• Website information will always be complete or error-free.

• The Website will operate without interruption or security incidents.

Nothing in this section excludes warranties or rights that cannot legally be disclaimed.

22. Limitation of Liability

To the maximum extent permitted by applicable law, Fast Capital Rates and its owners, officers, employees, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the Website or services.

This limitation may include, where legally permitted, damages relating to:

• Lost business opportunities

• Lost revenue or profits

• Funding application denials

• Delays in funding

• Decisions made by independent funding providers

• Website interruptions

• Unauthorized third-party activity

These limitations apply only to the extent permitted by applicable law.

Nothing in these Terms limits liability for fraud, willful misconduct, gross negligence, statutory violations, or other liabilities that cannot legally be excluded or limited.

23. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Fast Capital Rates and its owners, officers, employees, and agents from third-party claims, liabilities, damages, and reasonable expenses arising from:

• Your material violation of these Terms

• Fraudulent or intentionally misleading information you submit

• Your unauthorized use of another person's or business's information

• Your unlawful use of the Website

• Your infringement of third-party rights

This provision does not require you to indemnify Fast Capital Rates for its own unlawful conduct or other matters for which indemnification is prohibited by law.

24. Disputes and Governing Law

These Terms will be interpreted and enforced in accordance with applicable federal law and the laws of the state having jurisdiction over the relevant dispute, including applicable conflict-of-law principles.

Nothing in these Terms limits your ability to exercise rights or pursue remedies that cannot legally be waived.

Disputes involving a separate financing agreement with an independent funding provider may be subject to the dispute resolution provisions of that financing agreement.

No mandatory arbitration agreement or class-action waiver is created solely by these Terms.

25. Changes to These Terms

Fast Capital Rates may update or modify these Terms periodically to reflect changes in our business operations, services, legal requirements, or Website functionality.

Any revised Terms will be posted on this Website with an updated effective or revision date.

Changes will apply prospectively unless otherwise permitted by law.

Where legally required, we will provide additional notice or obtain consent before implementing material changes.

Continued use of the Website after updated Terms become effective may constitute acceptance to the extent permitted by applicable law.

26. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed where necessary.

The remaining provisions will continue in effect.

27. Entire Agreement

These Terms, together with our Privacy Policy and any additional disclosures or agreements expressly applicable to a particular service, constitute the agreement governing your use of the Website and our brokerage and referral services.

These Terms do not replace or modify any separate financing agreement entered into with an independent funding provider.

In the event of a conflict between these Terms and a legally required disclosure or separately executed agreement, the applicable law and governing agreement will control.

28. No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce that provision in the future.

Any waiver must be authorized and will apply only to the specific circumstances for which it is given.

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