Terms and Conditions

We are committed to providing exceptional customer support and assistance.

Terms and Conditions

1. Introduction

These Terms and Conditions (“Terms”) govern the use of Capitolio Funding’s services. By using our website and applying for funding, you agree to these Terms in full. If you do not agree with these Terms, please discontinue the use of our services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract under applicable law to apply for funding from Capitolio Funding. All applications are subject to credit approval, and funding is not guaranteed.

3. Funding Process

Capitolio Funding provides high-risk financing to businesses. The approval and amount of financing are determined by several factors, including creditworthiness, business financials, and our risk assessment. The funding provided is intended for business purposes only and may not be used for personal or household purposes.

4. Repayment Terms

Repayment terms vary based on the loan product and risk profile of the borrower. Capitolio Funding will provide clear documentation of the repayment schedule, including interest rates, fees, and any prepayment options. Early repayment may be possible, subject to applicable terms, and certain fees or discounts may apply.

5. Fees and Interest

By accepting a loan from Capitolio Funding, the borrower agrees to the applicable fees and interest rates associated with their financing product. These will be clearly detailed in the loan agreement. Failure to comply with the repayment terms may result in additional charges and legal action.

6. Late Payments and Default

Late payments may result in additional fees or penalties. In cases of default, Capitolio Funding reserves the right to pursue collection actions, including legal remedies, to recover any outstanding amounts owed. The borrower is responsible for any associated legal or collection costs.

7. Privacy and Data Usage

We respect your privacy and are committed to protecting your personal information. Capitolio Funding collects and processes data in accordance with our Privacy Policy. By using our services, you consent to the collection and use of your information as described in that policy.

8. Dispute Resolution

Any disputes arising from these Terms or the loan agreement will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Both parties waive the right to a jury trial.

9. Changes to Terms

Capitolio Funding reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. It is your responsibility to review these Terms periodically for any updates.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the state in which Capitolio Funding is incorporated. All legal proceedings must be brought within this jurisdiction.

11. Limitations of Liability

Capitolio Funding is not responsible for any indirect, incidental, or consequential damages that may arise from the use of our services. Our liability is limited to the amount of funds provided under your loan agreement.

12. Contact Information

For any questions or concerns regarding these Terms, please contact Capitolio Funding

FAQs

Find answers to commonly asked questions 

How does it work? 

You simply complete a form and submit simple, minimum documentation and we reach you to go through the process of getting your funding in record time.

How long does it take?

Our process is designed to deliver a decision within hours

How quickly can I get my funding

Once approved, you can have your funds wired to your account in a 24 hour window. 

Is my business eligible? 

This are the requirements:
- $20.000 + in Monthly Revenue
- FICO Score 500 +
- Minimum 8 months in Business
- Maximum 3 Negative days per Month
- Minimum 5 Deposits per Month
- Minimum 51% Ownership 

  • †Same-Day Funding is available in select states for business loans up to $250K. Eligibility applies to loan applications completed Monday through Friday by 11:00 a.m. ET. Funds are typically disbursed by 5:00 p.m. local time on the same day. Applications submitted after 11:00 a.m. ET, on weekends, or bank holidays will be processed the next business day, with funding within 2–3 business days.
  • *Instant Funding requires prior registration and acceptance of Instant Funding Terms. Limited to lines of credit draws from $2,000 to $25,000, with one draw per business day. Only eligible debit cards from participating financial institutions can be used. Transfers typically occur within 30 minutes but may be subject to delays or additional restrictions.
  • **Capitolio Funding cannot serve certain industries. Please see our restricted industries list. Additionally, we do not provide business loans in North Dakota. Other underwriting requirements may apply.
  • ‡If you prepay your loan in full, we may apply a reduction to the remaining unpaid interest as outlined in your loan agreement under the Prepayment Interest Reduction provision.
  • §Only businesses with excellent credit profiles, cash flow, and a strong payment history with Capitolio Funding may qualify for the lowest rates. The average APR for term loans is 48.3%, and the average APR for lines of credit is 47.9%, based on loans originated in the six months ending June 30, 2024.
  • ◊For certain states and loan conditions, you may be required to make a minimum draw of $2,000 at the time of loan origination.
  • Loans are subject to lender approval and may be issued by a member of the Capitolio Funding group or by a third-party lender such as Celtic Bank, depending on the location and circumstances of the business.
  • Capitolio Funding® is a registered trademark. All rights reserved.
  • Capitolio Funding | 418 Broadway, Ste R, Albany, NY 12207, USA | Phone: +1 (305) 469-7291
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