Disclosures & Disclaimers

1 We Are NOT a Lender

ApplySBALoan.com is an informational and document preparation platform only. We are not a bank, credit union, mortgage company, licensed lender, or any kind of financial institution. We do not:

• ✗ Make, originate, or fund loans of any kind
• ✗ Approve or deny loan applications
• ✗ Set interest rates or loan terms
• ✗ Collect loan payments or hold funds

All actual loan decisions are made exclusively by SBA-approved banks, credit unions, and lenders — not by this website.

2 No Affiliation with the U.S. Government or SBA

ApplySBALoan.com is a private, independently owned website. We are not affiliated with, endorsed by, sponsored by, or connected to:

• ✗ The U.S. Small Business Administration (SBA)
• ✗ The U.S. Federal Government or any of its agencies
• ✗ SCORE, SBDCs, or any government-affiliated organization

The term "SBA" in our name refers to the loan programs we help users understand and prepare for. For official SBA resources, visit sba.gov.

3 No Guarantee of Loan Approval

Our free pre-qualification tool, eligibility scores, and AI-generated summaries are estimates only. They are based on information you provide and general SBA program guidelines. They do not constitute:

• ✗ A loan offer or commitment to lend
• ✗ A guarantee or promise of loan approval
• ✗ A guarantee of specific loan amounts, rates, or terms
• ✗ Legal or financial advice of any kind

Actual eligibility and loan terms depend on lender underwriting, your full financial history, current SBA program rules, and other factors we cannot fully evaluate.

4 AI-Generated Content Disclaimer

ApplySBALoan.com uses artificial intelligence (AI) to help generate pre-qualification summaries and draft loan documents. You should know:

• ⚠ AI-generated documents are drafts and starting points, not final submissions
• ⚠ They have not been reviewed by a licensed attorney, CPA, or financial advisor
• ⚠ AI can make mistakes — always review all content before using it
• ⚠ You are solely responsible for any documents you submit to lenders

We strongly recommend consulting a licensed SBA lender, CPA, or business attorney before submitting any loan application.

5 No Financial or Legal Advice

Nothing on this website — including articles, guides, calculators, loan scenarios, success stories, or AI-generated content — constitutes financial advice, legal advice, tax advice, or investment advice.

All content is provided for general educational and informational purposes only. Every business situation is unique. We encourage you to consult qualified professionals for advice specific to your circumstances.

6 How We Make Money

ApplySBALoan.com is a free-to-use platform. We may earn revenue through:

• → Advertising: Display ads (e.g., Google AdSense) may appear on the site. These ads are selected automatically and do not represent our endorsement of any advertiser.
• → Referrals: We may occasionally refer users to third-party lenders or services. If we receive compensation for such referrals, it does not affect our editorial content or recommendations.

We do not accept payment to rank lenders favorably or to hide negative information. Our goal is to provide accurate, unbiased guidance.

7 Your Personal Information

When you use our pre-qualification tool or create an account, you provide personal and financial information. Here is how we handle it:

• ✓ We do not sell your personal information to third parties
• ✓ We do not run a hard credit pull — your credit score is not affected by using our tool
• ✓ Your information is used solely to generate your pre-qualification estimate and documents
• ✓ You may delete your account and data at any time by contacting us

For full details, see our Privacy Policy.

8 Accuracy of Information

We work hard to keep our content accurate and up to date. However, SBA programs, loan limits, interest rates, and eligibility rules change frequently. We cannot guarantee that every piece of information on this site reflects the most current program rules.

Always verify current program details directly with the SBA (sba.gov) or an SBA-approved lender before making any financial decisions.

9 Contact Us

If you have questions about these disclosures, or if you believe any content on our site is inaccurate or misleading, please reach out: