Effective Date: April 3, 2026
Last Updated: April 3, 2026
By accessing or using the website the-4-financial.com and services provided by 4FINANCIAL LLC ("we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you may not use our website or services.
You agree to use our website only for lawful purposes and in accordance with these Terms. You may not:
4FINANCIAL LLC provides direct business lending services, including but not limited to working capital loans, revenue-based financing, equipment financing, business expansion loans, invoice financing, and commercial real estate loans.
All loan applications are subject to approval and underwriting. Approval is not guaranteed, and terms may vary based on creditworthiness, business performance, and other factors. We reserve the right to decline any application at our sole discretion.
By submitting a loan application, you represent and warrant that:
If you opt in to receive SMS/MMS messages from 4FINANCIAL LLC, the following terms apply:
All content on this website, including text, graphics, logos, images, and software, is the property of 4FINANCIAL LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our written permission.
Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Accessing third-party links is at your own risk, and you should review their terms and privacy policies.
To the fullest extent permitted by law, 4FINANCIAL LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, 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 arising out of or relating to these Terms shall not exceed the amount you paid us (if any) for the services in question.
You agree to indemnify, defend, and hold harmless 4FINANCIAL LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our website or services, your violation of these Terms, or your infringement of any third-party rights.
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not guarantee that the website will be uninterrupted, error-free, or free from viruses or other harmful components.
We make no representations or warranties regarding the accuracy, completeness, or reliability of any information on our website.
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in the Privacy Policy.
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or your use of our services shall be resolved through binding arbitration in Boca Raton, Florida, in accordance with the rules of the American Arbitration Association.
You agree to waive any right to a jury trial or to participate in a class action lawsuit.
We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after changes are made constitutes acceptance of the revised Terms.
We may terminate or suspend your access to our website or services at any time, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the website will immediately cease.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and 4FINANCIAL LLC regarding your use of our website and services, and supersede all prior agreements and understandings.
If you have questions or concerns about these Terms & Conditions, please contact us:
4FINANCIAL LLC
5761 Veranda Way Unit 4
Boca Raton, FL 33433
Email: jason@the-4-financial.com