Terms of Service

1. Acceptance of Terms

By accessing or using ApplySBALoan.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Description of Service

ApplySBALoan.com is an informational and document preparation platform that helps small business owners understand SBA loan programs and prepare pre-qualification materials. We are not a lender, bank, financial institution, or licensed financial advisor. We do not originate, approve, or fund loans.

All pre-qualification results, eligibility scores, and AI-generated documents are estimates and informational tools only. They do not constitute a loan offer, guarantee of approval, or financial advice.

3. User Accounts

You may create a free account to save your applications and generated documents. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to provide accurate and complete information when registering.

4. Acceptable Use

You agree not to:

• Submit false, misleading, or fraudulent information
• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Reproduce, distribute, or resell any content from the Site without permission
• Use automated tools to scrape or extract data from the Site

5. AI-Generated Content Disclaimer

Documents and summaries generated by our AI tools are drafts intended to assist you in preparing your loan application materials. They are not reviewed by licensed attorneys or financial advisors. You are solely responsible for reviewing, editing, and verifying all AI-generated content before submitting it to any lender or third party.

6. No Guarantee of Results

Use of this Site does not guarantee loan approval, favorable terms, or any specific financial outcome. SBA loan approval decisions are made exclusively by SBA-approved lenders and the U.S. Small Business Administration. Our eligibility scores and program recommendations are estimates based on the information you provide.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of ApplySBALoan.com and is protected by applicable intellectual property laws. AI-generated documents created from your inputs are provided to you for your personal use in connection with your SBA loan application.

8. Limitation of Liability

To the fullest extent permitted by law, ApplySBALoan.com shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any information provided herein. Our total liability to you for any claim shall not exceed the amount you paid to use the Site (if any).

9. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

10. Modifications to Terms

We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

11. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising under these Terms shall be resolved in accordance with applicable federal and state law.

12. Contact

If you have questions about these Terms, please contact us through the contact form on our site.