SmartLenders Terms of Service

I certify that all statements in this application and each document required to be submitted in connection herewith are true, correct, and complete. I authorize SmartLenders, its holding company, affiliates, and assignees (”SmartLenders”) to rely on such statements, make such inquiries and gather such information it deems necessary to verify any information provided to SmartLenders on this application or any such required document, including inquiries to the IRS, business credit reporting and credit bureau agencies. I further authorize SmartLenders, to exchange this application, the information contained or submitted with this application and all banking relationship information with each other and with technology service providers, business credit reporting or credit bureau agencies and my creditors. I further agree to notify SmartLenders promptly of any material change in such information.


USA PATRIOT ACT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or acquires a loan. What this means for you: When you open an account or obtain a loan, SmartLenders will ask for your name, address, date of birth and other information that will allow SmartLenders to identify you. SmartLenders will also ask to see your driver’s license or other identifying documents.


COMMERCIAL USE: I certify that any property and or proceeds from the proposed loan request will be used by the applicant for business or commercial purposes only and not for any personal, family or household purpose, and that the proposed request would constitute a business or commercial loan, which is exempted from the disclosure requirements of (Regulation 2) Truth in Lending of the Board of Governors of the Federal Reserve System. I agree to indemnify and hold harmless from any and all claims, loss or damage resulting or caused by this request, being subject to any provisions of the Federal Consumers Credit Protection Act (Truth in Lending Act) and Regulation 2 of the Board of Governors of the Federal Reserve System. I certify that I have full authority to act on behalf of the applicant in connection with the above referenced credit request.


Your agreement of these terms and conditions acts not only under your authority and capacity within the entity you represent in making this business credit application; but also is an effective waiver and consent to SmartLenders to verify any information it deems necessary on you as an individual to include, but not limited to, your individual credit bureau information.