Commercial Financing Disclosures

When you apply through Green Advance Capital, we evaluate your application and match you with lenders in our network that we believe are the best fit. Each lender independently underwrites your application, decides whether to extend an offer, and sets the terms of any funding agreement.

We do not set rates, terms, fees, or repayment structure. The lender does.

When a lender extends a funding offer to you, the lender is responsible for providing the disclosures required by applicable law. Depending on your state, the lender may be required to disclose:

• The total amount of funds you will receive.
• The total cost of the financing, including all interest, fees, and charges.
• An annual percentage rate or estimated APR.
• The total repayment amount and payment schedule.
• Any prepayment penalties or discounts.
• Collateral requirements, if any.

You should review the lender’s disclosure documents carefully before signing any funding agreement. If anything is unclear, ask the lender to explain it. Ask us to explain it. Have a lawyer or accountant review it if the amount is meaningful to your business. Don’t sign anything you don’t understand.

If a lender does not provide the disclosures required by your state’s law, you have a right to ask for them, and you should.

You have the right to compare funding offers from multiple lenders before signing. You are not obligated to accept the first offer we present, and you are not obligated to use Green Advance Capitalat all. Shopping offers is normal and encouraged — it’s how you confirm you’re getting fair terms.

If you would like us to source additional offers, ask. If you would prefer to apply directly to lenders without us, that’s your right as well.

Green Advance Capitalis paid by lenders on closed transactions, not by merchants. The amount of compensation may vary by lender and by transaction. This compensation is paid by the lender out of the lender’s own revenue and does not increase the cost of your funding — lender pricing is set by the lender independently of broker compensation.

In limited cases, we may charge merchants directly for specialized services such as SBA loan preparation, consulting, or custom advisory work. When we do, we disclose the fee in writing in advance and only proceed with your agreement.

We do not have exclusive arrangements, equity stakes, or volume bonuses with any lender in our network that would create a conflict of interest in how we match your application. We refer applications to the lenders we believe are the best fit based on your situation.

The funding products available through Green Advance Capital are intended exclusively for business and commercial purposes. They are not consumer loans and are not subject to the federal Truth-in-Lending Act, the Real Estate Settlement Procedures Act, or other consumer credit protection statutes that apply to personal loans.

By applying, you confirm that any funding you receive will be used for business purposes, not personal, family, or household use.

Several states have enacted commercial financing disclosure laws that give you specific rights as a merchant. These currently include New York, California, Utah, Virginia, and Georgia, with more states adding similar laws. Depending on where your business operates, you may have rights to:

• A standardized disclosure document from the lender.
• Specific format requirements for how cost of capital is presented.
• Cooling-off or rescission periods after signing.
• A right to receive disclosures in a particular language.
• A right to file complaints with your state’s regulator.

We encourage you to review the disclosure your lender provides and to contact your state’s financial regulator if you believe the disclosure is incomplete or inaccurate.

If you would like to know how a specific state’s law applies to your situation, ask us. We are not lawyers and cannot give legal advice, but we can point you to the relevant regulatory agency and the specific disclosure rules that apply.

If you have questions about a disclosure you’ve received from a lender, about our role in your transaction, or about your rights under state or federal commercial financing law, contact us at:

disclosures@greenadvancecapital.com

You can also reach us through the contact page or by calling (914) 677-2272 during business hours.

We will respond to disclosure questions within two business days.