Terms of Service

Effective Date: 6/20/2025

These Terms of Service (“Terms”) govern the use of services provided by Financial Equipment Solutions LLC (“FES”, “we”, “our”, or “us”), including Equipment Financing, Working Capital Programs (such as Merchant Cash Advances and Business Lines of Credit), and other business funding solutions (“Services”). By accessing or using our Services, you (“Client,” “you,” or “your”) agree to be bound by these Terms and all applicable laws and regulations.

1. Acceptance of Terms

By submitting an application or using our website, you agree to these Terms and any policies referenced herein, including our [Privacy Policy] and any other agreements applicable to your funding program.

2. Eligibility

To use our Services, you must:

  • Be a business entity or authorized representative of a business operating in the United States.

  • Submit truthful and complete information.

  • Meet underwriting criteria, including time in business, revenue requirements, and creditworthiness.

3. Services Offered

We offer the following business financing solutions:

a. Equipment Financing
Loans or lease-to-own programs for acquiring new or used business-essential equipment.

b. Cash-Out Programs (Borrowing Against Equipment)
Access working capital by leveraging owned equipment as collateral without selling or interrupting operations.

c. Merchant Cash Advance (MCA)
Receive upfront capital in exchange for a portion of your future business sales or receivables.

d. Business Line of Credit
Flexible revolving access to capital with a pre-approved limit, usable as needed.

4. Application Process

You agree to provide accurate, up-to-date information and supporting documentation when applying. By applying, you authorize FES and its partners to conduct soft or hard credit checks, background checks, and underwriting assessments as necessary.

5. Approval and Disbursement

Funding decisions are based on underwriting and lender partner approval. Approval is not guaranteed. If approved, funds will be disbursed in accordance with your signed agreement or lender’s terms.

6. Fees and Interest Rates

Any applicable fees (such as origination or processing) and interest or factor rates will be fully disclosed before you accept funding. We do not charge broker fees to the client. All costs are included in your offer and vary by funding product and credit profile.

7. Repayment Terms

Repayment terms vary by product and are determined based on your business’s credit profile, financials, and deal structure:

  • Equipment Financing - Typically repaid monthly over 12 to 84 months, depending on equipment type and borrower qualifications.

  • Cash-Out Programs - Typically repaid monthly, with terms based on the value of your collateral and the specifics of the transaction.

  • Merchant Cash Advances (MCA) - Typically repaid through daily or weekly remittances, though monthly options may be available in certain cases.

  • Business Line of Credit - Typically repaid weekly, but monthly repayment options may be available depending on the lender and program.

Failure to meet repayment obligations may result in late fees, changes to your repayment terms, default status, or legal action.

8. Use of Funds

All funds must be used for legitimate business purposes. You agree not to use proceeds for personal use or any unlawful activity.

9. Security Interests and Collateral

Certain funding options may require collateral or a personal guarantee. You agree that in the event of default, we or our partners may enforce legal remedies, including repossession or legal claims, as permitted by applicable law.

10. Privacy and Data Use

We collect and share your information with third-party lenders and funding partners to match you with the best options. For more, please review our [Privacy Policy].

11. Limitation of Liability

To the fullest extent permitted by law, FES is not liable for indirect, incidental, or consequential damages arising from use of our services, delays in funding, or denial of credit.

12. Default and Termination

We reserve the right to suspend or terminate your access to Services if you breach these Terms or any signed agreement. Upon default, you may be subject to collection efforts or legal proceedings.

13. Amendments

FES may update these Terms at any time. Changes will be posted to our website and become effective upon posting. Your continued use of the site or Services constitutes acceptance.

14. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes shall be resolved under Florida law.

15. Dispute Resolution

Any disputes will be resolved through mediation or arbitration in Florida before resorting to formal litigation, unless otherwise required by law. Both parties agree to make reasonable efforts to settle disputes informally first.

16. Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining portions will remain in full force and effect.

Contact Us

Financial Equipment Solutions LLC
Based in Miami, Florida
Office: (786) 906-1900
Email: info@financialequipmentsolutions.com
Website: www.financialequipmentsolutions.com