Legal Disclosures

1. Commercial Use Only

Stewards Business Capital provides commercial financing products exclusively for business purposes. We do not offer consumer loans, personal loans, residential mortgages, or investment advisory services. By applying with us you are confirming that that funds will be used solely for business purposes.

2. No Guarantee of Approval

Submission of an application and minimum of 3 months bank statements does not guarantee an approval, specific funding amounts, pricing, or timelines. All approvals are subject to underwriting review, compliance verification, and risk assessment.

3. Application & Credit Authorization

By submitting an application, you authorize Stewards Business Capital and its designated partners to verify business information, obtain business and (if applicable) consumer credit reports, verify bank account activity, perform identity verification, conduct fraud prevention screening, and complete OFAC and AML compliance checks.

4. Broker Registration & Licensing Compliance

Where required by state law, Stewards Business Capital maintains appropriate commercial finance broker registrations and complies with applicable state-level commercial financing disclosure laws.

5. Surety Bond Compliance

In jurisdictions requiring bonding for commercial finance brokers is required, surety bonds are maintained and filed with appropriate state authorities in accordance with statutory requirements.

6. State-Specific Commercial Financing Disclosures

Where required by law, we provide state-mandated disclosures prior to contract execution, including total repayment amount, estimated APR (if applicable), payment frequency, finance charges, prepayment policies, and broker compensation disclosures where applicable.

7. UCC Filing Procedures

Where applicable, financing agreements may require filing of a UCC-1 financing statement. We maintain internal procedures governing UCC authorization language, filing accuracy, amendment tracking, and release procedures upon satisfaction of obligations.

8. ACH Authorization & Payment Processing

All automated debits require written authorization within executed agreements. ACH processing complies with NACHA operating rules and applicable federal banking standards.

9. Confession of Judgment Compliance

Where legally permitted and contractually agreed, confession of judgment provisions may be included. Such provisions are excluded where prohibited by law and enforced only in accordance with governing statutes.

10. TCPA & Communications Compliance

We comply with the Telephone Consumer Protection Act (TCPA) and related communication laws. We maintain opt-in tracking logs, timestamped consent records, and opt-out processing systems.

11. AML & OFAC Screening

We maintain Anti-Money Laundering (AML) procedures including OFAC sanctions screening, identity verification protocols, fraud detection systems, and suspicious activity monitoring.

12. Data Security Standards

We utilize commercially reasonable administrative, technical, and physical safeguards including SSL encryption, secure API connections, encrypted data transmission, role-based access controls, and secure document storage.

13. Client Portal Disclaimer

The client portal provides informational access to payment history, account summaries, and funding status. Official obligations are governed solely by executed financing agreements.

14. Electronic Signatures & Records (E-SIGN)

By using our website and executing agreements electronically, you consent to electronic signatures and electronic delivery of records in accordance with the Federal ESIGN Act and Uniform Electronic Transactions Act (UETA).

15. SMS Consent Policy

By submitting your information, you consent to receive SMS messages regarding application status, funding updates, and account notifications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time.

16. California Privacy Notice (CCPA/CPRA)

California residents have the right to request access to, deletion of, or correction of personal information. We do not sell personal information for monetary consideration. Requests may require identity verification.

17. ADA Accessibility Statement

We strive to comply with WCAG 2.1 accessibility standards and provide reasonable accommodations for individuals experiencing difficulty accessing our website.

18. Do Not Sell or Share My Personal Information

California residents may request that we not share personal information for cross-context behavioral advertising purposes.

19. Cookie Policy

We use cookies and similar technologies to enhance user experience, analyze traffic, and improve marketing performance. Users may disable cookies through browser settings.

20. Anti-Discrimination Statement

We do not discriminate on the basis of race, color, national origin, religion, gender, sexual orientation, age, disability, or any other protected status. Financing decisions are based on legitimate business factors.

21. Governing Law & Dispute Resolution

All agreements are governed by the laws specified in executed financing contracts. Dispute resolution provisions, including arbitration clauses where applicable, are defined within signed agreements.