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Terms of Service

Please read these terms carefully before using our website or services.

Effective Date: March 1, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Vellford Capital LLC and its affiliates ("Company," "we," "us," or "our"). By accessing or using the website located at vellfordcapital.com (the "Website"), including any content, functionality, and services offered on or through the Website, you accept and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not access or use the Website. We reserve the right to modify these Terms at any time. Your continued use of the Website following any changes constitutes acceptance of the revised Terms.

2. Eligibility

The Website and our services are intended for use by:

  • Individuals who are at least 18 years of age.
  • Business owners or authorized representatives of businesses operating within the United States.
  • Entities that meet our minimum eligibility criteria for funding products, including but not limited to minimum time in business, monthly revenue, and other underwriting requirements.

By using this Website, you represent and warrant that you meet all eligibility requirements. If you do not meet these requirements, you must not access or use the Website.

3. Description of Services

Vellford Capital provides business funding solutions including, but not limited to:

  • Working Capital
  • Business Lines of Credit
  • Revenue-Based Financing
  • Equipment Financing
  • SBA Loans
  • Merchant Cash Advances

Vellford Capital may act as a direct funder or may connect applicants with third-party lending partners. In cases where third-party lenders are involved, additional terms and conditions from those lenders may apply. We do not guarantee approval of any application for funding.

4. Application Process & No Upfront Costs

Vellford Capital does not charge upfront fees for submitting a funding application. Our application process is designed to be straightforward and transparent:

  • No Upfront Costs: You will never be asked to pay a fee before receiving funding.
  • No Hard Credit Pulls: Initial inquiries and pre-qualifications do not involve hard credit inquiries that affect your credit score. A soft credit check may be performed during the initial review. Hard credit pulls, if required, will only occur with your explicit consent during formal underwriting.
  • No Obligation: Submitting an application does not obligate you to accept any funding offer.
  • Decisions in Hours: While we strive to provide rapid decisions — often within 24 hours — processing times may vary based on the complexity of the application and completeness of submitted documentation.

All information you provide during the application process must be accurate, current, and complete. Providing false, misleading, or fraudulent information may result in the denial of your application and potential legal action.

5. Funding Terms & Repayment

If your application is approved, the specific terms of your funding — including the funded amount, factor rate or interest rate, repayment schedule, payment frequency, and any applicable fees — will be outlined in a separate Funding Agreement provided to you prior to disbursement.

Key provisions that may be included in your Funding Agreement:

  • Repayment terms, including daily, weekly, or monthly payment schedules.
  • ACH (Automated Clearing House) authorization for automated payments.
  • Early payoff options and any associated discounts or fees.
  • Late payment consequences, including potential default provisions.
  • Renewal and refinancing terms.

These Website Terms do not replace or supersede any individual Funding Agreement. In the event of a conflict between these Terms and a Funding Agreement, the Funding Agreement shall prevail with respect to the specific funding transaction.

6. Fees & Disclosures

Vellford Capital is committed to transparency in all fee structures. While there are no upfront application fees, certain fees may apply after approval and funding, including but not limited to:

  • Origination fees (if applicable, disclosed prior to funding).
  • Processing or administrative fees.
  • Late payment fees or default-related charges.
  • Wire transfer or expedited funding fees.

All applicable fees will be clearly disclosed in your Funding Agreement before you accept any offer. You will have the opportunity to review and accept or decline the terms before any funds are disbursed.

7. Use of the Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Website in any way that violates any applicable federal, state, local, or international law or regulation.
  • Submit false, incomplete, or misleading information in any application or form.
  • Attempt to gain unauthorized access to any portion of the Website, server, or any systems connected to the Website.
  • Use any robot, spider, scraper, or other automated means to access the Website for any purpose without our prior written consent.
  • Introduce viruses, Trojan horses, worms, or other malicious or technologically harmful material.
  • Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website.

8. Intellectual Property

The Website and its entire contents, features, and functionality — including but not limited to all information, text, graphics, logos, images, videos, the Vellford Capital name, the Vellford Capital shield logo, and the design, selection, and arrangement thereof — are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You must not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any material from our Website except as incidental to normal web browsing (e.g., caching, printing a single copy for personal reference).

9. Privacy & Data Collection

Your privacy is important to us. Our collection and use of personal information in connection with the Website is governed by our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with our Privacy Policy.

During the application process, we may collect:

  • Personal identification information (name, email, phone number).
  • Business information (business name, EIN, industry, revenue).
  • Financial documents (bank statements, tax returns, financial statements).
  • Credit information (obtained through soft or hard credit inquiries with your consent).

We implement bank-level security measures to protect your data and will never sell your personal information to third parties for marketing purposes.

10. Third-Party Partners & Lenders

Vellford Capital may partner with third-party lenders, financial institutions, and service providers to fulfill funding requests. When your application is shared with or fulfilled by a third-party partner:

  • You will be informed before your information is shared with any third-party lender.
  • Additional terms and conditions from the third-party lender may apply to your funding.
  • Vellford Capital is not responsible for the terms, rates, or conditions offered by third-party lenders.

Any links to third-party websites on vellfordcapital.com are provided for your convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

11. Disclaimer of Warranties

THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE.

WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

NOTHING ON THIS WEBSITE CONSTITUTES A GUARANTEE OR COMMITMENT TO FUND ANY APPLICATION. ALL FUNDING DECISIONS ARE SUBJECT TO UNDERWRITING REVIEW AND APPROVAL.

12. Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL VELLFORD CAPITAL LLC, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SUCCESSORS, OR ASSIGNS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE, OR ANY SERVICES OBTAINED THROUGH THE WEBSITE.

THIS INCLUDES ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, OR LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

13. Indemnification

You agree to defend, indemnify, and hold harmless Vellford Capital LLC, its affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including but not limited to any information or content you submit through the Website.

14. Governing Law & Jurisdiction

All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the laws of the State of Minnesota without giving effect to any choice or conflict of law provision.

Any legal suit, action, or proceeding arising out of or related to these Terms or the Website shall be instituted exclusively in the federal or state courts located in Hennepin County, Minnesota. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

15. Arbitration

At the Company's sole discretion, any disputes arising from these Terms or use of the Website, including disputes concerning their interpretation, violation, invalidity, non-performance, or termination, may be submitted to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association, applying the laws of the State of Minnesota.

16. Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

17. Severability & Waiver

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms will continue in full force and effect.

No waiver by the Company of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy and any applicable Funding Agreement, constitute the sole and entire agreement between you and Vellford Capital LLC regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

19. Changes to These Terms

We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any updates, as they are binding on you.

20. Contact Information

If you have any questions about these Terms of Service, please contact us:

Vellford Capital LLC
Email: info@vellfordcapital.com
Website: vellfordcapital.com