# Disclosures | Team Red Funding > Important disclosures from Team Red Funding. We offer business financing only, are not a bank, and work with third-party funding partners on every offer. Canonical page: https://teamredfunding.com/disclosures # Disclosures Last updated: September 2026 Team Red Funding offers business financing products only. We are not a bank and do not directly lend money. Team Red Funding acts as a financing marketplace and/or broker, connecting small businesses with a network of third-party private funding partners. Approval is not guaranteed. All financing is subject to underwriting by the applicable funding partner and may be declined at their sole discretion. ## 1. Business Financing Only All products and services offered or described on this website are intended exclusively for use by legally formed US business entities for commercial and business purposes. Team Red Funding does not offer consumer loans, personal loans, or any financing governed by the Truth in Lending Act (TILA) in a consumer context. By submitting an inquiry, you confirm that you are seeking financing solely for business purposes. ## 2. Team Red Funding Is Not a Bank Team Red Funding is not a bank, credit union, or other licensed depository institution. We are not licensed as a lender in any US state in a capacity that involves direct origination of loans to businesses. Team Red Funding operates as a financing marketplace and, where applicable, as a commercial loan broker, introducing businesses to third-party funding partners who independently evaluate and extend financing offers. No banking relationship is created between you and Team Red Funding by your use of this Site or submission of an inquiry. ## 3. Third-Party Funding Partners Financing offers you may receive through Team Red Funding are originated, underwritten, and funded by independent third-party entities ("Funding Partners"), which may include: - Private commercial lenders - Merchant cash advance providers - Equipment finance companies - Revenue-based financing providers - Other alternative business financing entities Each Funding Partner has its own underwriting guidelines, approval criteria, lending policies, fee structures, and terms and conditions. Team Red Funding does not control, guarantee, or endorse the products, offers, or practices of any Funding Partner. Team Red Funding may receive compensation from Funding Partners in the form of referral fees, broker commissions, or similar arrangements when a financing transaction is completed. This compensation does not increase the cost of financing to you. ## 4. Funding Amounts, Times, and Terms Vary Any amounts, interest rates, factor rates, terms, repayment schedules, or funding timelines described on this website are illustrative examples only. They are not guaranteed and do not represent the terms any specific business will receive. Actual financing offers depend on: - The completeness and accuracy of the information you provide - The Funding Partner's independent underwriting review of your business's financial history, cash flow, time in business, industry, and other factors - Market conditions and Funding Partner capacity at the time of application - The jurisdiction in which your business operates Funding timelines vary by applicant, funding product, and Funding Partner review, and depend on the completeness of the application and how quickly the applicant's bank processes transactions. No specific funding speed is guaranteed. ## 5. No Guarantee of Approval Submitting an application or inquiry through Team Red Funding does not guarantee that your business will receive a financing offer. Not all businesses will qualify. Pre-qualification or initial eligibility estimates provided on the Site are based on limited information and do not constitute a firm offer or commitment to lend. A final approval decision is made solely by the Funding Partner after completing its underwriting process. ## 6. Illustrative Examples Case studies, testimonials, example scenarios, funding amounts, and customer stories presented on this website are for illustrative purposes only. They represent past experiences of specific businesses under specific conditions and are not a guarantee, prediction, or promise of any particular outcome for your business. Results will vary based on individual circumstances. ## 7. Credit Inquiries Checking your options through Team Red Funding may involve a credit inquiry on the business owner(s). The type of inquiry depends on the Funding Partner and product. If you proceed with a financing offer from a Funding Partner, that partner may conduct a further credit inquiry as part of their formal underwriting. You will be informed prior to any additional inquiry being performed. ## 8. Rates and Fees Business financing products offered through our Funding Partners may carry interest rates, factor rates, origination fees, administrative fees, prepayment penalties, or other charges. The cost of financing varies widely depending on the product type, your business profile, and the Funding Partner. Annual percentage rates (APRs) or equivalent cost metrics for business financing products may be higher than those associated with traditional bank loans. You should carefully review all fees, terms, and total cost of capital before accepting any financing offer. ## 9. State Availability Financing products and availability vary by state. Not all products are available in all states. Certain Funding Partners may not operate in your state. Team Red Funding makes no representation that any specific product is available to businesses in every US jurisdiction. You are responsible for complying with applicable local, state, and federal laws in connection with any financing you obtain. ## 10. Contact for Questions If you have questions about these disclosures or about any financing product, please contact us before submitting an application: - Email: [BMGP@teamredfunding.com](mailto:BMGP@teamredfunding.com) - Phone: [(346) 889-3237](tel:+13468893237) See also our [Privacy Policy](https://teamredfunding.com/privacy) and [Terms & Conditions](https://teamredfunding.com/terms). --- Team Red Funding - David King - (346) 889-3237 - BMGP@teamredfunding.com Powered by [Launch Automation](https://launchautomation.ai/custom)