Terms of Use

Acceptance of Terms

By accessing or using this website, you agree to these Terms of Use and to our Privacy Policy. If you do not agree, you should not use this website.

Website Informational Purpose Only

This website is provided for general informational purposes regarding SHBA Capital and potential business-financing inquiries. Content on this site does not constitute financial, legal, tax, or other professional advice and should not be relied upon as a substitute for independent evaluation.

Broker Status and Business-Purpose Scope

SHBA Capital is a commercial finance broker and not a direct lender. This website and related services are intended for business-purpose financing inquiries only and not for consumer loans, personal loans, or consumer debt services.

No Guarantee of Approval, Terms, or Funding Outcome

Nothing on this website should be interpreted as a guarantee of financing approval, rate, term, structure, amount, or funding outcome. Any financing opportunity remains subject to underwriting, eligibility, documentation, provider requirements, and other relevant factors.

Business-Use Framing

This website is intended primarily for business owners, commercial-use inquiries, and business-purpose financing discussions. References to financing on this site are generally framed around commercial or business-related use cases rather than personal, family, or household purposes.

User Responsibilities

By using this site, you agree to:

• Provide information that is accurate and not knowingly misleading.
• Use the site only for lawful purposes.
• Maintain the confidentiality of any information you submit through your own systems or devices.
• Use reasonable care when sharing information through forms, email, or phone.

Applicant Information and Authorized Submission

If you submit an inquiry, onboarding materials, supporting documents, or other information through this website or related SHBA Capital workflows, you represent that the information is accurate to the best of your knowledge and not intentionally false, incomplete, or misleading.

You should submit only information that you are authorized to provide on behalf of the business or individual concerned. SHBA Capital may require business verification, identity-related review, beneficial-owner review, document review, or related follow-up as part of business-purpose onboarding or financing evaluation.

Prohibited Uses

You may not use the site to:

• Violate any applicable law or regulation.
• Submit false, fraudulent, or deceptive information.
• Interfere with the operation or security of the website.
• Attempt unauthorized access to the website, servers, or related systems.
• Copy, scrape, reproduce, or exploit site content beyond permitted use without authorization.

Intellectual Property

Unless otherwise stated, the website design, text, graphics, branding, logos, layout, and other content are owned by or used with permission by SHBA Capital and are protected by applicable intellectual-property laws. No rights are granted except as necessary for ordinary personal or internal business review of the website.

Third-Party Links

The website may include links to third-party websites, platforms, or tools. SHBA Capital does not control and is not responsible for third-party content, services, policies, or practices. Accessing third-party sites is at your own discretion and risk.

Disclaimers

This website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, except as may not be disclaimed under applicable law. We do not warrant that site content will always be accurate, complete, current, uninterrupted, or error free.

Limitation of Liability

To the fullest extent permitted by law, SHBA Capital and its affiliates, officers, employees, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, business, data, or goodwill arising out of or related to use of this website.

Indemnification

You agree to defend, indemnify, and hold harmless SHBA Capital and its affiliates, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, and expenses arising out of your use of the website, your violation of these Terms, or your infringement of another party's rights.

Governing Law

These Terms should be governed by the laws of California, without regard to conflict-of-law principles, unless otherwise required by applicable law.

Changes to These Terms

We may revise these Terms of Use from time to time. Updated terms will be posted on this page with a revised effective or last-updated date. Continued use of the site after changes are posted is subject to the updated Terms.

Contact Information

Questions about these Terms of Use may be directed to submissions@shbacapital.com, +1 323-994-2601.