The commercial finance industry is known for fine print. We're building the opposite. These are our contractual commitments to every seller.
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 (like California), we provide the exact required document.
We do not use automatic daily or weekly ACH debits from your operating account. We collect our advance and fee from the payer's remittance to us. If a recourse event occurs, we invoice you; we do not sweep your account.
If your payer pays late, that is our underwriting risk. We do not charge you escalating penalty interest or late fees because a payer delayed payment.
You are only required to repurchase a receivable if the work wasn't real, if there was fraud, or if you breached a specific warranty (e.g., selling the same receivable twice). You never bear the risk of payer insolvency or slow-pay.
We maintain a written information security program (WISP) aligned with the FTC Safeguards Rule. We tokenize bank details through our payments vendor and never store them raw. All data is encrypted in transit and at rest.
When we buy your receivables, we file a public notice (UCC-1) to protect our priority as the purchaser. This is standard commercial practice and required by law to perfect our purchase. We automatically terminate the filing when your facility closes.
If you have an issue with a funding transaction, your reserve, or our platform, we have a named channel and a strict response SLA.
support@installfactoring.com