Terms & Conditions of Service

Quick Bridge Funding, LLC

Welcome to Quick Bridge Funding, LLC. (“Quick Bridge”). Quick Bridge is a licensed lender in some states. Quick Bridge offers certain small businesses access to financing. In California, products are made or arranged pursuant to California Financing Law license no.: 603J292.

Products offered by Quick Bridge and its affiliates are business products only, and submitted applications may be evaluated for one of two separate products – a business loan or sales-based financing.

The products and services described on the website are only offered in jurisdictions where they may be legally offered. In no event shall the information on this website be deemed an offer to or solicitation of anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The application, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining a financial product and is warranted to be true, correct, and complete.

Your use of this site constitutes your agreement to each of the terms and conditions set forth herein (“Terms and Conditions”) and to the Quick Bridge Privacy Policy, which is incorporated herein by reference. If you do not agree to any of these terms, then please do not use the website. Quick Bridge reserves the right to update the content of its website, including these Terms and Conditions, at any time without prior notice.

Electronic Communications

By using any part of this website or sending e-mails to Quick Bridge, you agree to receive communication from us electronically, and that all agreements, notices, account updates, disclosures, and other communication that we, our affiliates, partners, or independent contractors provide to you electronically satisfy any legal requirement that such communication be in writing and are effective immediately. You have the right to withdraw your consent to receive disclosures and submit information electronically. You may withdraw your consent by contacting Quick Bridge in writing. If you choose to withdraw your consent, you will not be able to make any request through our website. If you have a pending request on our website, we will terminate it and remove it from our system. If you have already received funding, all previously agreed upon terms and conditions will remain in effect, and we will send disclosure to your verified business address provided during registration.

Telephone Communications

You hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls, text messages, and SMS messages from Quick Bridge, its affiliates, marketing partners, agents, other authorized third parties, and others calling at Quick Bridge’s request, or on its behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular or mobile telephone numbers) even if those telephone numbers are listed on a Federal, state, or other jurisdiction Do-Not-Call list. Your cellular or mobile telephone provider may charge you according to the type of plan you carry. You may opt out of receiving calls and marketing from Quick Bridge and its affiliates, marketing partners, agents and others as provided in the Privacy Policy or by contacting us directly.

Adverse Action Notice

If your application for business credit is denied, you have the right to request a written statement of the specific reasons for the denial. To obtain the statement, please write to Quick Bridge Funding, LLC, 46 Discovery, Ste. 200, Irvine, CA 92618, within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement.

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address, and toll-free telephone number are shown below. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right to a free copy of your report from the reporting agency if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file (if one was used) by contacting:

Experian P.O. Box 2002 Allen, TX 75013 888-397-3742

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Federal Trade Commission, Equal Credit Opportunity, 600 Pennsylvania Ave., NW, Washington, DC 20580.

USA PATRIOT Act Notice

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or business that requests financing.

What does this mean for individuals: When you request financing, we will ask for your name, address, date of birth, Social Security number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

What does this mean for businesses: When a business requests financing, we will ask for the business name, business address, Employer Identification Number (EIN), and other information that allows u to identify the business and signatories. We may also ask to see other identifying documents showing the existence of the business.

Applicants

The individual(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that:

  1. The individual signing the application on behalf of the Applicant is an authorized agent of the business;
  2. The Applicant is of the age of majority in the jurisdiction in which he or she resides;
  3. All information and documents provided by Applicant to Quick Bridge, its affiliates, agents, or service providers are true, accurate and complete;
  4. Applicant will immediately notify Quick Bridge of any change in such information or financial condition;
  5. Applicant authorizes Quick Bridge to disclose all information and documents that Quick Bridge may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial financing, including without limitation the application therefore (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions;
  6. Each Assignee will rely upon the accuracy and completeness of such information and documents;
  7. Quick Bridge, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary;
  8. Such authorization shall extend to obtaining Applicant’s personal credit profile to consider the Applicant for business financing, and subsequently for the purposes of updating, renewing or extending financing, and for reviewing or collecting payment thereof,
  9. Applicant waives and releases any claims against Recipients and any information providers arising from any act or omission relating to the requesting, receiving or releasing of information;
  10. Applicant agrees that Quick Bridge may communicate with Applicant through a live agent, artificial or prerecorded voice, and automated SMS text at the phone number(s) provided regarding the products and/or services about which Applicant is inquiring. Applicant certifies, warrants, and represents that the telephone numbers that Applicant has provided are Applicant’s contact numbers and Applicant is permitted to receive calls at the phone numbers provided. Standard text message and minute charges applied by Applicant’s cell phone carrier will apply.
  11. This request is for business and not for consumer purposes.

Subject to Approval

This is not a guaranteed offer of financing. Rates and terms for business financial products are subject to underwriting guidelines, may be provided by third parties, and are subject to approval. The approved funding amount is based on eligibility, which may vary. Restrictions may apply. Application is subject to approval and is based on factors such as business type, time in business, annual sales, average business bank account balances, personal credit and other variables deemed relevant by us.

Use of the Website

You accept sole responsibility for all your activities using the website, including your conduct on the website. You will not use the website for any unauthorized or illegal purpose. You will be responsible for ensuring that you do not violate any applicable local, state, national or international law, rule, regulation, or order of any court in conjunction with your use of the website, including but not limited to copyright laws. You will not upload or transmit viruses, worms, or any other destructive code. You will not use bots to engage the website.

You agree you will not interfere, in any way, with others’ use of or access to the website and will not attempt to gain unauthorized access to the computer system of any other website user. You agree you will not use any robot, spider or other automatic device, manual process or application or data mining or extraction tool to access, monitor, or copy the website without our express permission. You also agree not to take any other action that imposes an unreasonable or disproportionately large load on the website.

Intellectual Property Rights

The content on the website (the “Content”) is subject to copyright and other intellectual property rights under local and international laws conventions. To the best of its knowledge, Quick Bridge uses only Content that it owns or is otherwise allowed and permitted for use by the owner/s of the copyrights and other intellectual property rights therein.

Content on the website is provided to you AS IS only, you may not use, download, upload, reproduce, copy, duplicate, print, display, perform, republish, sell, license, post, transmit, disseminate, redeliver using “framing technology,” otherwise distribute, or commercially exploit in any way, the website, or any portion thereof, or any Content on the website, without the prior written permission of Quick Bridge. Quick Bridge reserves all rights not expressly granted in and to the website and Content.

You agree not to circumvent, disable, or otherwise interfere with the security related features of the website or features that prevent or restrict use of the website or copying of any Content or enforce limitations on use of the website or any of the Content therein.

Warranty Disclaimer & Limitation of Liability

YOU AGREE THAT YOUR USE OF THE WEBSITE SHALL BE AT YOUR SOLE RISK AND IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, QUICK BRIDGE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF. QUICK BRIDGE MAKES NO WARRANTIES OR REPRESENTATIONS REGARDING THE ACCURACY OR COMPLETENESS OF THIS WEBSITE’S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE. IN NO EVENT SHALL QUICK BRIDGE, ITS OFFICERS, MEMBERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR OTHER INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

CERTAIN STATE LAWS DO NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS ABOVE MAY NOT APPLY TO YOU.

Indemnification

You agree to indemnify, defend and hold harmless Quick Bridge and its affiliates, and partners including without limitation, Quick Bridge service providers and their respective officers, directors, employees, agents and representative from and against all losses, expenses, damages and costs including reasonable attorneys’ fees, for any claims, causes of actions, procedures or allegations arising out of or relating to any violation of these Terms and Conditions, your use of the website, website content, or user content by you or any other person accessing any website on your behalf.

Events Beyond Control

Under no circumstances shall Quick Bridge be held liable for any delay or failure in this website and/or information on the website directly or indirectly resulting from, arising out of, relating to, or in connection with events beyond the reasonable control of Quick Bridge, including, without limitation, internet failures, equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, earthquakes, explosions, acts of God, war, terrorism, governmental actions, orders of courts, agencies or tribunals, or non-performance of third parties. The provisions of this paragraph are in addition to, and are not intended to limit or modify, the limitations in the Limitations of Liability section as stipulated above.

Governing Law and Forums

Any dispute arising from these terms shall be resolved exclusively in the State and Federal courts of the State of California. Furthermore, these terms and the interpretation, performance, and enforcement of your and Quick Bridge’s rights and duties shall be construed in accordance with the laws of the State of California except for the conflict or choice of law principles thereof.