Trust & Compliance

Last updated: August 25, 2026 · Operated by Envoy Fiber, LLC

The commercial finance industry is known for fine print. We’re building the opposite. These standards are reflected in our partner agreements and in how we operate the platform. Your executed agreements control in any actual transaction; see also our Terms of Service.

These pages summarize our operating commitments for general information only. They are not legal advice and do not modify any agreement you sign — please have your own attorney review every document before you sign it.

Written offers

Every funding offer is a written offer stating the full cost in one number before you sign. In states with prescribed commercial financing disclosure formats (California, New York, Utah, and Virginia), qualifying offers include that state's required disclosure.

No automatic debits

We do not use automatic daily or weekly ACH debits from your operating account. Install Factoring operates the platform; approved invoices are purchased by independent B2B factoring partners, who disburse the advance and collect from the payer. If a recourse event occurs, it is handled under your executed agreement with the purchasing partner — typically by invoicing you for the repurchase, not by sweeping your account.

No seller-side late fees

If your payer pays late, we do not charge you escalating penalty interest or late fees because a payer delayed payment. Payer slow-payment risk is priced into underwriting rather than passed to you as penalties.

When you may have to repurchase an invoice

A seller may have to repurchase an invoice only when the billed work was misrepresented or fraudulent; the invoice was subject to a preexisting lien or encumbrance; or the payer raises a bona fide dispute or chargeback about the work. Your executed agreement with the purchasing partner controls — read it before you sign.

Data security posture

We maintain a written information security program (WISP) modeled on FTC Safeguards Rule practices. It is an internal program, not a certification. Never send bank credentials by email. Payment details are collected only through secure channels during onboarding. All data is encrypted in transit and at rest.

UCC filings explained

As is standard when receivables are sold or financed, partners may file UCC-1 financing statements to record their interest in invoices they purchase — see UCC Article 9 (secured transactions) as published by Cornell’s Legal Information Institute. A UCC-1 filing records a security interest; whether a given transaction is treated as a sale or a secured loan depends on the full contract terms, not the filing alone. Filings are addressed per the terms of each transaction's agreement.

Complaints & Support

If you have an issue with a funding transaction, your reserve, or our platform, contact us at the address below and we will respond and work the issue with you.

support@installfactoring.com