Disclosures

Flokapital
Operated by Flokapital, a company organized under the laws of [State of formation]
Effective Date: [Effective Date]

These Disclosures apply to your use of Flokapital’s website, calculators, educational content, funding-application tools, and related services (the "Services") operated by Flokapital ("Flokapital," "we," "us," or "our"). They should be read together with our Terms of Use, Privacy Policy, and SMS Terms. They are intended to help you understand important facts about our role, compensation, credit inquiries, and certain legal topics. They are not legal advice, and they do not replace the official loan, lease, or purchase documents of any Funding Provider.

1. We are a broker and marketplace, not a lender

Flokapital is a small-business funding brokerage, marketplace, and education brand. We are not a bank, not a lender, not a credit union, and not a government agency. We do not originate loans in our own name as a lender unless we expressly disclose a change in that practice and hold any required licenses.

Participating banks, non-bank lenders, equipment lessors, providers of lines of credit, purchasers of future receivables (including merchant cash advance providers), and other funding companies (together, "Funding Providers") offer their own products. Those providers make their own credit or purchase decisions, set their own terms, and are responsible for their own contracts and legally required product disclosures.

Submitting a profile or application to Flokapital:

• does not guarantee that any provider will approve you;
• does not guarantee any amount, rate, fee, factor rate, term, or funding date;
• does not obligate you to accept any offer; and
• does not create a loan or credit agreement with Flokapital.

2. Compensation

Flokapital may receive compensation from Funding Providers or other third parties if you are referred to a provider, if you submit an application, or if you complete a financing or funding transaction. Compensation may vary by provider and product and may be a flat amount, a percentage of the amount funded, or another structure.

This compensation is how we are typically paid for our work. It may influence which options we present or how we present them. You should review each provider’s official terms and cost, and you may compare offers and decline any option. We do not charge you a fee merely to check options through our standard process unless we clearly disclose a fee in advance and you agree to it.

3. No guarantee of approval, terms, or timing

Approval, amounts, rates, fees, holdbacks, and timing depend on many factors, including your business’s time in operation, revenue, industry, credit profile, existing debt, collateral, documentation, and the Funding Provider’s underwriting or purchase criteria, as well as market conditions and legal restrictions.

Some products can fund more quickly than others; none is guaranteed to fund in a stated number of hours or days. "Pre-qualification," "options," or "paths" are not approvals.

4. Product availability

Not every product is available in every state, to every industry, or to every applicant. Minimum time in business, revenue, credit, or other requirements vary. A product described in educational content or a calculator may not be offered to you.

5. Credit inquiries and possible impact on credit

If you authorize us and our partners as described in the Terms of Use, Funding Providers or credit-reporting partners may obtain consumer or commercial credit reports. That process may include:

• a soft inquiry, which often does not affect a consumer credit score in the same way as a hard inquiry; and/or
• a hard inquiry, which may appear on a credit report and may affect a credit score.

An initial profile may use self-reported ranges or a soft inquiry only. Moving forward with a particular provider may involve a hard inquiry. We will not represent that "checking options never affects credit" in a way that hides a later hard pull. You should ask, before authorizing a hard pull, who will pull the report and whether it will be a hard inquiry.

If adverse action is taken based on a consumer report, the party taking that action is responsible for any legally required notice.

6. Commercial purpose only

The Services are for business and commercial funding inquiries only, not for personal, family, or household credit. You must not use the Services to apply for consumer-purpose credit. Commercial transactions may not carry the same federal consumer-credit protections as consumer-purpose loans.

7. State commercial financing disclosure laws

A growing number of states require specific disclosures for certain commercial financing, including (among others, and as they may be amended):

• California: Senate Bill 1235 and the regulations of the California Department of Financial Protection and Innovation ("DFPI") for covered commercial financing;
• New York: the Commercial Finance Disclosure Law ("CFDL") and Department of Financial Services rules;
• Utah, Virginia, Georgia, Florida, Connecticut, Texas, Kansas, Missouri, and other states that have enacted or may enact commercial financing disclosure or registration requirements.

Who provides the legally required product disclosures. For a covered transaction, the "provider" or other party defined in the applicable statute (often the Funding Provider, and in some cases a broker or arranger, depending on the state’s definition and the structure of the deal) is responsible for delivering the official commercial financing disclosure at the time and in the form the law requires.

Flokapital’s estimates are not a substitute. Calculators, summaries, or conversations on our site or with our team are educational estimates. They are not the official state-required commercial financing disclosure. If a law requires a disclosure before you accept a specific offer, you should receive it from the responsible party and review it carefully, including APR or estimated APR, finance charges, term, repayment amounts, and any prepayment or average-monthly-cost figures the law requires.

Counsel should confirm whether Flokapital, in its role as a broker or marketplace, is itself a "provider," "broker," or other regulated person under any of these laws, and whether additional registration, disclosure, or advertising rules apply to us in particular states.

8. Merchant cash advances and similar products

A merchant cash advance ("MCA") or similar product is often structured as a purchase of a portion of future receivables or other assets, not as a loan. If that is how a particular product is documented, it may not have an interest rate in the same way a loan does. Instead, cost is often expressed as a factor rate or a purchase price, with remittances based on a percentage of sales or a fixed daily or weekly amount.

Because the term can be short and remittances frequent, the equivalent annual percentage cost can be high. State law treatment of MCAs varies. Some states apply commercial financing disclosure laws or other rules to these products. An MCA is not appropriate for every business. You should understand the total payback, the remittance structure, the effect on cash flow, and whether any reconciliation is offered, before agreeing.

9. SBA-related disclaimer

Flokapital is not the U.S. Small Business Administration and is not a government lender. We are not affiliated with, endorsed by, or sponsored by the SBA, any SBA district office, or any other federal agency, except to the extent a particular Funding Provider is itself an SBA lender or participant and you deal with that provider on an SBA product.

SBA programs (including 7(a) and 504) have eligibility rules, use-of-proceeds limits, guaranty-fee structures, and documentation requirements set by the SBA and the participating lender. Mention of SBA products on our site is educational. We do not set SBA rates or guarantee SBA approval. Guaranty fees and terms change; confirm current rules with the lender and official SBA sources.

10. Calculators

Our calculators are tools to help you explore "what if" scenarios. They use the numbers you enter and standard formulas (for example, amortizing payments, or total payback equal to an advance multiplied by a factor rate). Results are estimates only and may not include all fees, residual values, prepayment terms, variable-rate adjustments, or state-required metrics. They are not a quote or an offer.

11. Testimonials, examples, and results

Any testimonials, case studies, sample funding plans, or examples of amounts or products are illustrative or represent individual experiences. They are not a guarantee of similar results. "Illustrative preview" or "demo" materials on the site are fictional or generalized examples, not your actual offer.

12. Licensing

Flokapital may be required to hold licenses, registrations, or exemptions in certain states in order to broker, arrange, or refer commercial financing or to conduct related activity (for example, a California Finance Lenders Law or California broker or referral registration, or other state licenses).

License and registration numbers, if and as required, will be listed here when issued and confirmed by counsel:

• California: [License numbers if applicable]
• Other states: [License numbers if applicable]

If a license number is shown as a placeholder, it has not yet been confirmed and should not be treated as evidence that a license is in place. We will not claim to be licensed in a state unless counsel has confirmed the requirement and the current license status. Some activities or products may be exempt from licensing; that is a legal determination for counsel.

If you have questions about our licensing, contact [Contact Email] or the applicable state regulator (for example, the DFPI in California).

13. Educational content

Guides and comparisons are for general information. They may become out of date. We do not warrant that every product description is complete. Always rely on a Funding Provider’s official documents for a specific offer.

14. Privacy and communications

Our collection and sharing of information, including with Funding Providers and with third-party application and technology platforms, is described in our Privacy Policy. Telephone and SMS practices are described in the Terms of Use and SMS Terms.

15. Contact

Flokapital
[Business Address]
Email: [Contact Email]
Phone: [Phone]