Terms of Use

1. Acceptance

By accessing or using this website you agree to these Terms of Use. If you do not agree, please do not use the site.

2. Nothing here is an offer

All content is provided for general information about the commercial financing Credit Point Advance provides. Nothing on this site constitutes an offer, commitment or guarantee to provide financing on any terms. Amounts, repayment terms, factor rates and fees shown are maximums or typical ranges. The terms applicable to your business are established solely in a signed funding agreement following review of your application.

3. All credit types considered

Statements that all credit types are considered mean exactly that: a score is one input among several, alongside revenue, time trading and payment history. It is not a statement that every applicant will be approved, and it is not a guarantee of any particular amount, rate or term. Every application is subject to review.

4. Business purposes only

The products described here are commercial financing for business purposes only. They are not consumer loans, are not available for personal, family or household purposes, and are not subject to the protections that apply to consumer lending products.

5. Merchant cash advances

A merchant cash advance is not a loan. It is the purchase of a fixed amount of future receivables at a discount. It carries no interest rate and no annual percentage rate, has no fixed maturity date, and is priced as a flat factor rate. Duration varies with your sales volume.

6. Not professional advice

Content on this site is not legal, tax, accounting or financial advice. Consult your own advisors before entering into any financing arrangement.

7. Your responsibilities

• Information you submit must be accurate, current and complete, and you must be authorized to submit it for the business named.
• You may not use this site unlawfully, attempt unauthorized access, or interfere with its operation or security.
• You may not scrape, harvest or copy content by automated means.

8. Intellectual property

The content, design, text and graphics on this site are owned by Credit Point Advance or its licensors and protected by applicable law. You may view and print pages for your own business purposes; other reproduction or distribution requires our written permission.

9. Third-party links

Links to third-party sites are provided for convenience. We do not control and are not responsible for their content, availability or privacy practices.

10. Disclaimer and limitation of liability

This site is provided “as is” and “as available” without warranties of any kind, express or implied, to the fullest extent permitted by law. To the fullest extent permitted by law, Credit Point Advance is not liable for any indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, this site.

11. Equal opportunity

We conduct our business in accordance with applicable federal and state law, including the Equal Credit Opportunity Act, which prohibits discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has capacity to contract), or because all or part of the applicant’s income derives from a public assistance program.

12. Governing law

These terms are governed by the laws of the State of New York without regard to conflict of laws principles.

13. Changes

We may update these terms. The revised version takes effect when posted here.

14. Contact

Credit Point Advance. Email info@creditpointadvance.com.