Terms of Use

Agreement to Terms

By accessing or using the Eagle Business Loans website at eaglebusinessloans.com (the “Site”), submitting a funding application, using our calculators or tools, or contacting us through any form on this Site, you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use this Site or our services. These Terms apply to all visitors, users, and applicants.

01 Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you (“you” or “User”) and Eagle Business Loans, LLC (“Eagle Business Loans,” “we,” “us,” or “our”), a licensed Independent Sales Organization headquartered in Morehead City, North Carolina.

These Terms govern your use of this Site and all funding matching, pre-qualification, and educational services offered through it. They apply to all interactions with Eagle Business Loans through this Site, including but not limited to browsing educational content, using our funding calculators, submitting pre-qualification applications, using contact forms, and subscribing to email communications.

Your continued use of this Site after any changes to these Terms constitutes your acceptance of the updated Terms. We recommend bookmarking this page and reviewing it periodically.

02 Definitions

For the purposes of these Terms, the following definitions apply:

03 Nature of Services — ISO Model

Important: Eagle Business Loans is an Independent Sales Organization (ISO), not a lender, bank, credit union, or direct financial institution. Reading and understanding this section is essential before using our services.

3.1 What Eagle Business Loans Does

Eagle Business Loans provides business funding matching services. Specifically, we:

• Collect business and financial profile information from applicants through pre-qualification applications
• Review and evaluate those profiles against the current underwriting criteria of lenders in our verified network
• Route applications to targeted lenders whose criteria match the applicant’s profile
• Present qualifying funding offers to applicants with full disclosure of terms
• Assist applicants in understanding funding options, program differences, and application requirements
• Provide educational content about business funding programs, scam protection, and industry-specific financing
• Offer interactive tools (the Funding Estimate Calculator and Payment Estimator) for informational purposes

3.2 What Eagle Business Loans Does Not Do

• Eagle Business Loans does not lend money, extend credit, or provide financing directly to any business
• Eagle Business Loans does not guarantee approval for any funding program or with any lender
• Eagle Business Loans does not set loan terms, interest rates, factor rates, or repayment schedules — these are determined exclusively by the Lender
• Eagle Business Loans does not provide legal, tax, accounting, or financial advisory services
• Eagle Business Loans does not represent or act as an agent of any specific Lender
• Eagle Business Loans does not guarantee that a Lender will honor a preliminary indication of funding eligibility

3.3 Lender Relationship

Any funding arrangement you enter into as a result of Eagle Business Loans’ Services is a direct agreement between you and the applicable Lender. Eagle Business Loans is not a party to any loan agreement, merchant cash advance agreement, factoring agreement, or other funding contract between you and a Lender. The terms of any such agreement, including repayment obligations, default provisions, and remedies, are governed exclusively by that agreement and the Lender’s policies.

Eagle Business Loans is not responsible for and does not control the decisions, terms, underwriting criteria, or conduct of any Lender in our network. Each Lender operates independently and under its own regulatory framework.

04 Eligibility to Use This Site

By using this Site and submitting an application, you represent and warrant that:

• You are at least 18 years of age
• You are a legal resident or entity of the United States
• You have the legal authority to act on behalf of the business for which you are seeking funding, including the authority to authorize a soft credit inquiry and to provide the business and personal information requested
• You are seeking funding for a legitimate, lawful business purpose
• The information you provide to Eagle Business Loans is truthful, accurate, and complete to the best of your knowledge
• Your use of this Site does not violate any applicable law or regulation
• You are not a competitor of Eagle Business Loans accessing the Site for competitive intelligence purposes

Eagle Business Loans reserves the right to decline to provide Services to any individual or entity at our sole discretion, for any reason not prohibited by applicable law.

05 Permitted and Prohibited Uses

5.1 Permitted Uses

You may use this Site and our Services for the following purposes:

• Exploring business funding options available through our lender network
• Using our calculators and tools for educational, non-binding funding estimates
• Submitting a genuine pre-qualification application for your business
• Contacting Eagle Business Loans with questions about our services
• Accessing educational content about business funding, program requirements, and scam protection
• Subscribing to our email newsletter

5.2 Prohibited Uses

You agree not to use this Site or our Services for any of the following purposes:

Violation of these prohibitions may result in immediate termination of your access to our Services and, where applicable, referral to law enforcement.

06 Funding Applications & Submissions

6.1 Accuracy of Applications

When you submit a pre-qualification application through this Site, you represent that all information provided — including but not limited to business name, industry, monthly revenue, time in business, credit score range, desired funding amount, and contact information — is truthful and accurate to the best of your knowledge at the time of submission.

Providing materially false or misleading information in a funding application may constitute fraud under applicable federal and state law, including wire fraud statutes. Eagle Business Loans reserves the right to report suspected fraudulent applications to appropriate authorities and to cooperate fully with any resulting investigation.

6.2 Soft Credit Authorization

By submitting a pre-qualification application, you authorize Eagle Business Loans to perform a soft credit inquiry on the primary business owner identified in the application. A soft credit inquiry does not affect your credit score and is not visible to other lenders or creditors. Hard credit inquiries, which may affect your credit score, are performed only by individual Lenders as part of their own underwriting process, not by Eagle Business Loans at the pre-qualification stage.

6.3 Lender Submission Authorization

By submitting an application, you authorize Eagle Business Loans to share your business profile with lenders in our verified network for the purpose of evaluating your funding eligibility, as described in our Privacy Policy. You acknowledge that this sharing may result in lenders contacting you directly regarding potential funding offers. You may withdraw this authorization prospectively by contacting us, but withdrawal does not affect sharing that has already occurred.

6.4 No Obligation

Submitting a pre-qualification application creates no obligation on your part to accept any Offer presented to you. You may review all qualifying Offers, request additional information, and decline any or all Offers without penalty. Eagle Business Loans will never pressure, harass, or create artificial urgency to compel you to accept an Offer.

6.5 No Obligation on Eagle Business Loans

Accepting a pre-qualification application does not obligate Eagle Business Loans to submit your profile to any specific lender or to secure any particular funding outcome. Eagle Business Loans provides matching services on a best-efforts basis and cannot guarantee that any lender in our network will offer funding to any specific applicant.

07 No Lending Relationship

All funding transactions are between you and the applicable Lender. Eagle Business Loans’ role ends when a qualifying Offer is presented to you and you elect to accept it. The funding agreement, all repayment obligations, default provisions, and related legal rights and duties exist exclusively between you and the Lender.

Eagle Business Loans is not responsible for:

• The accuracy or completeness of any Offer presented by a Lender
• A Lender’s decision to approve, deny, modify, or withdraw a funding offer
• A Lender’s compliance with applicable lending laws and regulations
• A Lender’s conduct before, during, or after funding
• Disputes between you and a Lender regarding repayment, collections, or terms
• Any financial loss, credit damage, or legal liability arising from a funding agreement between you and a Lender

If you have a dispute with a Lender, you must resolve that dispute directly with the Lender and through any dispute resolution mechanism in your funding agreement.

08 ISO Compensation Disclosure

Eagle Business Loans receives a referral or origination fee from the Lender when a funding transaction successfully closes through our network. This fee is paid entirely by the Lender — not by the borrower. Eagle Business Loans charges borrowers no fees at any stage of the process, including application, pre-qualification, review, matching, offer presentation, or closing.

8.1 Conflict of Interest Acknowledgment

You acknowledge that the compensation arrangement described above creates a potential financial incentive for Eagle Business Loans to favor lenders or programs that generate higher fees. Eagle Business Loans addresses this conflict by:

• Disclosing the compensation arrangement in writing in these Terms, our Privacy Policy, and on our website
• Presenting all qualifying funding programs to which your profile is matched, not only those with the highest fee structures
• Providing transparent explanations of the terms of each Offer, including factor rates, APR where applicable, total repayment amounts, and daily or monthly payment obligations
• Never recommending that you accept an Offer solely because it generates a higher fee for Eagle Business Loans

8.2 No Fiduciary Duty

Eagle Business Loans’ Services are provided as a commercial matching and referral service. Nothing in these Terms, in our conduct, or in the nature of our Services creates a fiduciary relationship, advisory relationship, or agency relationship between Eagle Business Loans and you. You are responsible for independently evaluating any funding offer before accepting it.

09 No Guarantee of Funding Approval

Eagle Business Loans makes no representation, warranty, or guarantee — express or implied — that submitting an application through our Site will result in funding approval, the receipt of any Offer, or funding on any particular timeline or under any particular terms.

All funding decisions are made exclusively by the applicable Lender based on its own underwriting criteria, which may change at any time without notice. The following factors, among others, may result in a Lender declining an application that Eagle Business Loans submits on your behalf:

• Bank statement review revealing NSF activity, low average daily balance, or irregular deposit patterns
• Existing undisclosed loan positions, MCA positions, or tax liens
• Credit score changes between pre-qualification and full underwriting
• Industry restrictions or concentration limits at the specific Lender
• Changes in the Lender’s underwriting criteria or risk appetite
• Inability to verify the information provided in the pre-qualification application
• Open bankruptcy proceedings or recent bankruptcy discharge

Our Funding Estimate Calculator and any funding range estimates provided by Eagle Business Loans are illustrative projections based on general lender thresholds — not pre-approvals, commitments, or guarantees. See Section 11 for the full calculator disclaimer.

10 Accuracy of Site Content

Eagle Business Loans makes reasonable efforts to ensure that the information on this Site — including descriptions of funding programs, qualification requirements, interest rates, factor rates, and program features — is accurate and current. However, the business funding market changes rapidly, and we cannot guarantee that all information on this Site reflects the most current lender criteria, program availability, or market conditions at any given time.

In particular, you should be aware that:

• Program minimums (credit score, revenue, time in business) shown on this Site represent typical thresholds and may not reflect every lender’s current criteria
• Funding amount ranges shown are illustrative and based on historical network data — individual approvals may be higher or lower
• Funding speed estimates are based on typical program timelines and not guaranteed for any specific application
• SBA loan terms and guidelines are subject to change by the U.S. Small Business Administration without notice

Nothing on this Site constitutes legal, tax, financial, accounting, or investment advice. You are encouraged to consult with qualified professionals before entering into any funding agreement.

12 Intellectual Property

All content on this Site — including but not limited to text, articles, guides, calculators, tool interfaces, graphics, logos, page layouts, design elements, color schemes, navigation structures, and the compilation and arrangement of all such materials — is owned by or licensed to Eagle Business Loans and is protected by applicable United States and international copyright, trademark, and other intellectual property laws.

12.1 Limited License

Eagle Business Loans grants you a limited, non-exclusive, non-transferable, revocable license to access and use this Site for personal, non-commercial purposes related to evaluating Eagle Business Loans’ Services. This license does not include the right to:

• Copy, reproduce, or distribute any Site content for commercial purposes
• Create derivative works from any Site content
• Scrape, systematically download, or aggregate Site content through automated means
• Use Eagle Business Loans’ name, logo, or brand elements without express written permission
• Remove or alter any copyright, trademark, or proprietary rights notices

12.2 User Content License

By submitting any User Content (including application data, contact form submissions, and communications) to Eagle Business Loans, you grant Eagle Business Loans a non-exclusive, royalty-free license to use, process, store, and share that User Content as necessary to provide our Services, as described in our Privacy Policy. You represent that you have the right to submit all User Content and that it does not violate the rights of any third party.

12.3 Trademarks

The Eagle Business Loans name, logo, and all related product and service names and slogans are trademarks of Eagle Business Loans, LLC. You may not use any Eagle Business Loans trademarks without express prior written consent. All third-party trademarks referenced on this Site are the property of their respective owners.

13 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE AND ALL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

EAGLE BUSINESS LOANS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SITE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS
• WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
• WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT ON THE SITE
• WARRANTIES THAT ANY DEFECTS IN THE SITE WILL BE CORRECTED
• WARRANTIES THAT ANY FUNDING APPLICATION WILL RESULT IN AN OFFER, APPROVAL, OR FUNDING

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, some of the above exclusions may not apply to you.

14 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EAGLE BUSINESS LOANS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THIS SITE OR OUR SERVICES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, business, or data
• Costs of procuring substitute services
• Business interruption or loss of business opportunity
• Damage to your credit score or credit file resulting from inquiries performed by Lenders during underwriting
• Any decision made by a Lender to approve, decline, modify, or withdraw a funding offer
• Your reliance on any funding estimate, calculator output, or educational content on this Site
• Unauthorized access to or alteration of your application data
• Any conduct or content of any third party accessible through or linked from this Site

IN NO EVENT SHALL EAGLE BUSINESS LOANS’ TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THIS SITE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT OF FEES, IF ANY, PAID BY YOU TO EAGLE BUSINESS LOANS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

THE FOREGOING LIMITATIONS APPLY EVEN IF EAGLE BUSINESS LOANS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES; IN SUCH JURISDICTIONS THE ABOVE LIMITATIONS MAY NOT APPLY IN FULL.

15 Indemnification

You agree to defend, indemnify, and hold harmless Eagle Business Loans and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

• Your use of this Site or our Services
• Any User Content you submit, including any false, inaccurate, or fraudulent information in a funding application
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of any third-party right, including intellectual property rights
• Any funding agreement you enter into with a Lender

Eagle Business Loans reserves the right to assume exclusive control of the defense of any matter subject to indemnification by you, at your expense. You agree to cooperate with Eagle Business Loans in asserting any available defenses.

16 Third-Party Links & External Resources

This Site contains links to third-party websites, including government resources (FTC, SBA, NC Secretary of State), lender program pages, and educational references. These links are provided for your convenience and informational purposes only.

Eagle Business Loans does not control, endorse, or assume responsibility for any third-party websites or their content. The inclusion of a link does not imply Eagle Business Loans’ endorsement of the linked site, its operators, or their products and services. You access linked third-party sites at your own risk and subject to those sites’ own terms and privacy policies.

In particular, links to any Lender’s website or materials do not constitute an endorsement of that Lender by Eagle Business Loans, a representation that the Lender is suitable for your specific needs, or a guarantee of the Lender’s practices or regulatory compliance.

18 Dispute Resolution

18.1 Informal Resolution First

Before initiating any formal dispute resolution proceeding, you agree to contact Eagle Business Loans at the information in Section 20 and give us a reasonable opportunity — not less than 30 days — to resolve the dispute informally. Many concerns can be addressed quickly through direct communication, and we are committed to resolving legitimate disputes fairly and promptly.

18.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising from or related to these Terms, the Services, or your use of this Site — including questions about the existence, validity, scope, or enforceability of this arbitration provision — shall be resolved by final and binding arbitration administered by a nationally recognized arbitration organization (such as the American Arbitration Association or JAMS) under its applicable commercial arbitration rules, rather than in court.

18.3 Class Action Waiver

YOU AND EAGLE BUSINESS LOANS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.

18.4 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened misappropriation or infringement of intellectual property rights, or to address fraudulent conduct. Small claims court actions that qualify under applicable jurisdictional limits are also exempt from mandatory arbitration.

18.5 Arbitration Location and Costs

Arbitration may be conducted by telephone, online, or in person in Carteret County, North Carolina, or another mutually agreed location. Each party shall bear its own attorneys’ fees and costs in arbitration, unless the arbitrator determines that a claim or defense was frivolous or brought in bad faith.

17 Governing Law & Jurisdiction

These Terms and any dispute arising from or related to these Terms or your use of this Site shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.

Subject to the arbitration provisions in Section 18, you agree that any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Carteret County, North Carolina, and you hereby consent to the personal jurisdiction and venue of such courts.

19 Changes to These Terms

Eagle Business Loans reserves the right to modify these Terms at any time. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Post the updated Terms at eaglebusinessloans.com/terms-of-use
• Where practicable, provide notice to active applicants or email subscribers of material changes

Your continued use of this Site after changes are posted constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of this Site. We encourage you to review these Terms periodically.

Changes to these Terms will not apply retroactively to disputes arising before the effective date of the change, except as required by applicable law.

20 Contact Information

For questions about these Terms, to report a potential violation, to exercise legal rights, or for any other legal inquiry related to Eagle Business Loans’ operations, please contact us at:

Eagle Business Loans — Legal Contact

For funding questions, application status inquiries, or general customer service — rather than legal inquiries — please use our Contact page or reach us at the main business phone and email.