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TERMS AND CONDITIONS
www.moneyman4business.com

Effective Date: November 1, 2007 • Last Revised: January 2, 2019

BY USING OR ACCESSING THIS WEBSITE IN ANY MANNER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS. MM4B RESERVES THE RIGHT TO MODIFY THESE TERMS AT ANY TIME, AND SUCH UPDATES WILL TAKE EFFECT IMMEDIATELY UPON POSTING. CONTINUED USE OF THIS WEBSITE CONSTITUTES YOUR ONGOING ACCEPTANCE. IF YOU DO NOT ACCEPT THESE TERMS, YOU MUST IMMEDIATELY CEASE ALL USE OF THIS WEBSITE AND REFRAIN FROM SUBMITTING ANY INFORMATION.

IMPORTANT NOTICE: MM4B IS NOT A LENDER. We act as an independent sales and consulting organization. We help business owners identify funding options, prepare applications, and negotiate with third-party lenders. We do not make credit decisions, set lender terms, or guarantee loan approval.

  1. Agreement Between User and www.moneyman4business.com

Welcome to www.moneyman4business.com (the “Site”). The Site is operated by Money Man 4 Business (“MM4B,” “we,” “us,” or “our”). By accessing or using the Site, you (the “User” or “you”) agree to be bound by these Terms and Conditions (the “Terms”), our Privacy Policy, and any other policies or agreements referenced herein. If you do not agree to these Terms, do not use the Site or submit any information.

  1. Unauthorized Use

Any access to or use of MM4B’s Website or internal systems that is not expressly authorized including gaining entry without permission, misusing login credentials, uploading harmful or unlawful content, exploiting third-party protected materials, or misappropriating any information published on this Site is strictly forbidden and may result in immediate termination of access and legal action.” 

“MM4B may observe, log, and analyze activity and usage patterns on this Website for security, compliance, and service improvement purposes. By visiting or using this Website, you acknowledge and accept that such observation may occur.

  1. Services We Provide

MM4B offers the following services to businesses and individuals seeking capital or financial solutions:

  1. Loan packaging and consulting for conventional business loans, lines of credit, and equipment financing.
  2. SBA loan consulting (7(a), 504, and Disaster/EIDL loans) including application preparation, document review, and submission.
  3. Prequalification assessments where we estimate potential rates and terms based on your profile, prior to any formal engagement.
  4. Referral and intermediary services connecting you with third-party lenders best suited to your needs.

For all services, we operate as your advocate, striving to find the most affordable and suitable funding program based on the information you provide. However, final loan decisions, terms, and conditions are made solely by the lender; we do not control or guarantee those outcomes.

  1. Your Consent to Communications

By submitting any inquiry, application, prequalification form, or ticket on the Site, or by emailing or calling MM4B, you expressly consent to be contacted by us and our authorized representatives using any of the following methods:

  1. Phone calls (live and pre-recorded)
  2. Fax
  3. SMS/Text messages
  4. Ringless voicemail messages
  5. Robotic or automatic dialling systems
  6. Email

You may opt out of any communication method at any time by calling 281-763-2294 ext. 0 or by emailing cash@moneyman4business.com. MM4B may require you to confirm your opt-out request in writing or by email. Opting out of marketing communications does not affect our ability to contact you regarding active service engagements.

Cookies & Tracking: The Site uses cookies and similar tracking technologies to enhance user experience, analyze usage, and deliver customized content. By using the Site, you consent to such tracking as described in our Privacy Policy.

  1. Prequalification and Formal Engagements

Prequalification

When you submit a prequalification form or initial inquiry, we may provide estimates of potential interest rates, fees, and loan terms. These estimates are projections based on historical data and the information you provide. They are not final offers, nor do they bind MM4B or any lender. The prequalification process and all information exchanged during it are kept strictly confidential between MM4B and the client/merchant.

Formal Engagement Agreements

If you decide to proceed after prequalification, you will be asked to sign a separate written Engagement Agreement (delivered and executed via a third-party electronic signing platform such as Adobe Sign). That agreement will clearly state:

  1. Our fee – a percentage of the funded amount or a minimum flat fee, whichever is greater. The minimum fee may vary based on the scope of work assessed during prequalification (e.g., $12,500; $16,000; $20,000 or other amounts as agreed).
  2. The specific lender or program being pursued.
  3. Payment authorization (ACH debit) to pay our fee within 24 hours of loan funding.
  4. The 36-month non-circumvention (lender protection) period.

Engagement Agreements are incorporated by reference into these Terms. By signing any Engagement Agreement, you reaffirm your acceptance of these Terms. MM4B may require you to sign a new Engagement Agreement if a new lender or program is identified; the original Engagement Agreement and its lender protection obligations remain in full force.

For SBA loans (7(a), 504, or EIDL), MM4B will also complete and submit the required SBA Form 159D (Fee Disclosure and Compensation Agreement). All SBA fee arrangements comply with 13 C.F.R. Part 103 and SBA Standard Operating Procedures.

  1. Authorization to Use Your Information

When you submit an application, financial documents, or any other information to MM4B, you grant MM4B a limited power of attorney and full authorization to:

  1. Use that information to evaluate your funding prospects (prequalification).
  2. Share your information and documents with third-party lenders, underwriters, and their affiliates as necessary to secure loan offers, pre-approvals, or final approvals.
  3. Pull your personal and business credit reports, and verify information with creditors, financial institutions, and government agencies.

This authorization remains in effect for the duration of your engagement and throughout the 36-month non-circumvention period described below. You confirm that all information and documents you provide are true, accurate, and complete. If you knowingly submit fraudulent, false, or misleading information and a loan is denied or delayed as a result, you remain fully liable for MM4B’s fee as set forth in your Engagement Agreement. 

Certain services offered through the Site may be delivered by third-party partners. By using such services, you consent to MM4B sharing necessary information with those third parties to fulfil your request, subject to our Privacy Policy.

  1. Confidentiality and Data Security

MM4B takes the protection of your personal and business information seriously. We implement industry-standard security measures, including Secure Socket Layer (SSL) encryption and all protocols required by applicable federal and state law, to safeguard your documents and data against unauthorized access, disclosure, or alteration.

We treat your information as confidential and will not sell, rent, or lease it to third parties for their own marketing purposes. We share your information only:

  1. With lenders and service providers necessary to complete your funding or service request;
  2. As required by law or legal process; or
  3. With your prior written consent.

While we strive to protect all information, no data transmission over the internet can be guaranteed 100% secure. By using the Site, you acknowledge that inherent risks exist beyond our control.

  1. Non-Circumvention and 36-Month Lender Protection

Protected Period

Once MM4B introduces you to a lender or submits your application to a lender, MM4B and moneyman4business.com are collectively “protected” for a period of thirty-six (36) months. This protection extends beyond the directly introduced lender and applies to any lender that may be affiliated with, associated with, or related to that lender, as lenders frequently operate through networks of affiliated entities. The protection period begins on the effective date of your Engagement Agreement and continues until thirty-six (36) months after the date of termination of that agreement.

Obligation

During the protected period, you may not contact or work directly with that same lender to obtain any funding product, line of credit, or financial accommodation without MM4B’s involvement. If you do, you remain obligated to pay MM4B the full fee that would have been due under your Engagement Agreement for any resulting transaction.

Survival After Cancellation

You may cancel MM4B’s consulting services at any time with written notice. However, cancellation does not cancel the 36-month lender protection. The non-circumvention obligation and fee liability survive termination of any Engagement Agreement and these Terms. If you sign a new Engagement Agreement for a different lender or program, the original lender protection period under the first agreement remains in full force.

  1. SBA Loan-Specific Terms (Including EIDL)

SBA Fee Disclosure – Form 159D

For SBA 7(a), 504, and Economic Injury Disaster Loans (EIDL), MM4B complies with SBA Agent requirements. A completed SBA Form 159D detailing our compensation will be provided to you and filed with SBA. SBA does not require you to use an agent and does not pay MM4B’s fee. You are directly responsible for MM4B’s fee unless the lender includes it in the loan disbursement. This requirement applies to all 7(a), 504, and EIDL disaster loan engagements.

EIDL Flat Fee Services

For SBA EIDL application, reconsideration, or appeal assistance, MM4B charges a flat base fee of $2,500 per submission. This includes:

  1. Submission of the EIDL application (new, reconsideration, or appeal).
  2. Completion of SBA Form 2202 (Schedule of Liabilities), IRS Form 4506-T, and SBA Form 3502.
  3. Review of supporting documents to be submitted to the SBA.

Additional services not covered by the base fee (e.g., narrative letters, resolutions, entity research with local/state/federal agencies, legal document review, or other custom workflow tasks) are billed at $300.00 per hour, calculated to the nearest tenth of an hour. Total compensation equals the base fee plus any applicable hourly charges.

Payment Timing- EIDL

All EIDL fees (base and hourly) are due within 24 hours of the SBA depositing funds into your business bank account. MM4B will generate an invoice and, pursuant to your prior ACH authorization, debit the total amount from the bank account you provided. Any unpaid invoice accrues a late fee of 18% annually of the outstanding balance (1.5% per month). You may terminate MM4B’s services at any time, but the base fee and all hourly fees earned up to the point of termination are immediately due and payable.

Misrepresentation

If you misrepresent any information in connection with an SBA loan application and the application is denied or funding is delayed as a result, you remain liable for MM4B’s full fee (base and all earned hourly charges).

SBA Burden Statement

The estimated burden to complete SBA Form 159D is 5 minutes per response. Comments regarding burden estimates should be directed to: U.S. Small Business Administration, Chief, Administrative Information Branch, Washington, D.C. 20416, and the Desk Officer for SBA, Office of Management and Budget, New Executive Office Building, Room 10202, Washington, D.C. 20503 (OMB Control No. 3245-0201). Do not send completed forms to OMB.

  1. Fees and Payment (General- Non-SBA Engagements)

For non-SBA engagements, our fee is a percentage of the lender’s principal amount (also known as the promissory amount, funding amount, or financing amount), typically 10%, or as specified in your Engagement Agreement or a minimum flat fee, whichever is greater, as stated in your signed Engagement Agreement. Payment is due immediately upon your receipt of funds from the lender. You authorize MM4B to initiate an ACH debit from your designated business bank account for the full fee within 24 hours of funding. If, for any reason, MM4B’s fee cannot be included in the lender’s disbursement, you remain personally and corporately responsible for payment upon funding.

Disclaimer of Lender Responsibility

MM4B does not act as a lender, nor do we set, control, or guarantee any lender’s terms, conditions, interest rates, fees, or approval decisions. Our role is strictly limited to consultancy, loan packaging, and advocacy. Any loan agreement is solely between you and the lender. You should carefully read and understand all lender documents before signing. MM4B is not liable for any acts, omissions, or decisions of any third-party lender.

  1. Potential Disruption of Service
  1. There may be occasions when this Website is inaccessible, delayed, or operating at reduced capacity due to circumstances including but not limited to: 
  2. Technical failures in hardware or software, including devices, servers, internet connections, or network infrastructure; 
  3. Excessive demand or capacity overload on our systems; 
  4. Environmental events such as extreme weather, floods, fires, earthquakes, or other acts beyond human control;
  5. Full or partial loss of electricity or essential utility services;
  6. Labor disruptions or work stoppages, whether partial or complete; 
  7.  Directives from regulatory bodies, judicial orders, or government authorities; or
  8. Any other circumstance outside MM4B’s reasonable ability to prevent or control.
  9. MM4B assumes no liability for losses or inconveniences resulting from such disruptions and retains the right to suspend or discontinue Website access at any time without advance notice.”MM4B shall not be liable for any such interruptions or delays. MM4B reserves the right to terminate any or all Website offerings or transmissions without prior notice.
  1. Intellectual Property and Prohibited Uses

All content on the Site (text, graphics, logos, images, software, and their compilation) is owned by MM4B or its licensors and protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial informational purposes only.

You agree not to:

  1. Modify, reproduce, or create derivative works from Site content without prior written permission from MM4B.
  2. Use the Site for any unlawful purpose or in violation of these Terms.
  3. Attempt to decompile, reverse engineer, or hack any portion of the Site.
  4. Use automated means (robots, scrapers) to access or collect data from the Site without permission.
  5. Damage, disable, overburden, or interfere with the Site’s operation.

MM4B reserves the right to terminate or restrict your access to the Site at any time, with or without notice, for any violation of these Terms or applicable law.

  1. Children Under Eighteen

MM4B does not knowingly collect personal information from persons under the age of 18, either online or offline. If you are under 18 years of age, you may not use www.moneyman4business.com without the permission of a parent or guardian.

  1. International Users

The Site is controlled, operated, and administered by MM4B from its offices within the United States of America. All use of this Site, whether by domestic or international users, is governed exclusively by applicable United States federal, state, and local laws. If you access the Site from a location outside the USA, you are responsible for ensuring your use complies with all applicable U.S. federal, state, and local laws, rules, and regulations. You agree not to use MM4B content in any manner prohibited by such laws.

  1. Indemnification

You agree to indemnify, defend, and hold harmless MM4B, its officers, directors, employees, and agents from any losses, claims, liabilities, and expenses (including reasonable attorney’s fees) arising out of:

  1. Your use of the Site or our services;
  2. Your violation of these Terms or your Engagement Agreement;
  3. Any false, fraudulent, or misleading information you provide;
  4. Your violation of any third-party rights; or
  5. Your violation of any applicable law or regulation.

MM4B may, at its own expense, assume the exclusive defense of any matter subject to indemnification by you, and you agree to cooperate fully in asserting any available defences.

  1. Limitation of Liability

GIVEN THE INHERENT LIMITATIONS OF DIGITAL SYSTEMS AND THE POTENTIAL FOR UNFORESEEN ERRORS, THE SITE AND ALL ASSOCIATED SERVICES ARE MADE AVAILABLE STRICTLY ON AN ‘AS IS’ AND ‘AS AVAILABLE’ BASIS, WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND. MM4B AND ANY ASSOCIATED DATA PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THOSE RELATING TO FITNESS FOR A SPECIFIC PURPOSE, MERCHANTABILITY, FREEDOM FROM HARMFUL CODE, OR NON-INFRINGEMENT OF ANY THIRD-PARTY RIGHTS.

MM4B ACCEPTS NO RESPONSIBILITY FOR ANY TECHNICAL FAILURES, INACCURACIES, DELAYS IN ACCESS, INCOMPATIBILITIES WITH USER DEVICES OR BROWSERS, OR ANY OTHER ISSUES THAT MAY ARISE FROM FACTORS OUTSIDE MM4B’S DIRECT CONTROL. NOTHING IN THESE DISCLAIMERS SHALL BE INTERPRETED AS WAIVING OR RESTRICTING ANY OBLIGATION MM4B HOLDS TOWARD ITS CLIENTS UNDER APPLICABLE LAW.

IN NO EVENT SHALL MM4B BE HELD RESPONSIBLE FOR ANY FORM OF INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE LOSS INCLUDING LOSS OF INCOME, BUSINESS OPPORTUNITY, OR DATA ARISING IN CONNECTION WITH YOUR ACCESS TO OR USE OF THIS WEBSITE OR ITS SERVICES, IRRESPECTIVE OF WHETHER MM4B WAS MADE AWARE OF THE POTENTIAL FOR SUCH HARM OR THE LEGAL THEORY UNDER WHICH SUCH CLAIM IS BROUGHT.

Your sole and exclusive remedy for dissatisfaction with the Site or these Terms is to discontinue use of the Site.

  1. Dispute Resolution- Arbitration and Class Action Waiver

Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Site, any Engagement Agreement, or the services provided by MM4B- whether based on contract, tort, statute, or equity shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16).

Location and Governing Law

Any arbitration, dispute resolution, or court proceeding shall take place in Harris County, Houston, Texas. The arbitrator shall apply the laws of the State of Texas without regard to conflict-of-law principles. The arbitrator’s award shall be final and binding, and judgment may be entered in any court of competent jurisdiction. This agreement and all matters related hereto are governed by the rules, laws, and regulations of the State of Texas.

Pre-Dispute Resolution

Before initiating arbitration, the parties agree to attempt informal resolution by contacting the other party in writing and negotiating in good faith for at least thirty (30) days.

Class Action Waiver

All disputes must be brought on an individual basis, not as a class, collective, or representative action. The arbitrator may not consolidate multiple parties’ claims or preside over any form of representative proceeding.

THIS MEANS YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION AGAINST MM4B.

Costs and Attorney’s Fees

The prevailing party in any arbitration or court proceeding to enforce these Terms shall be entitled to recover its reasonable costs and attorney’s fees.

Survival

This arbitration provision survives termination of these Terms and any Engagement Agreement.

  1. Termination and Access Restriction

MM4B reserves the right, in its sole discretion, to terminate your access to the Site and related services or any portion thereof at any time, without notice. Termination of your access does not relieve you of any obligations or liabilities incurred prior to termination, including fee obligations and the 36-month non-circumvention obligation.

  1. Enforceability and Governing Law

“Should any individual provision within these Terms be found legally invalid or impossible to enforce, that provision alone shall be severed, while all remaining provisions continue to operate with full legal effect. The severed provision shall be substituted with a valid and enforceable provision that most accurately reflects the original intent. These Terms coexist with and do not supersede any separate agreement you may have entered into directly with MM4B. Access to and use of this Website is subject to the laws of the State of Texas and also the Federal Government of the United States of America.”

  1. General Provisions

Entire Agreement

These Terms, together with the Privacy Policy and any signed Engagement Agreement(s), constitute the entire agreement between you and MM4B regarding the Site and our services, superseding all prior or contemporaneous communications, proposals, or agreements, whether electronic, oral, or written.

No Agency

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and MM4B beyond the independent sales and contractor relationship described herein.

Changes to Terms

MM4B reserves the right, in its sole discretion, to change these Terms at any time. The most current version will be posted on this page with a revised effective date and will supersede all prior versions. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Admissibility

A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings to the same extent and subject to the same conditions as other business documents originally generated and maintained in printed form.

Language

It is the express wish of the parties that this agreement and all related documents be written in English.

Notices

Any notices required or permitted under these Terms may be sent electronically to the email address you provided or to the MM4B contact information below.

  1. California License Notice

NOTICE: California legislation requires that we inform California borrowers when we refer or consult with you regarding financing. National Money Man 4 Cash Advance LLC is licensed as a Finance Broker by the California Department of Business Oversight, License No. 60DBO-95011.

Notice: You should ensure that you understand all terms of any loan offer that is recommended or suggested to you before agreeing to the loan terms. To report a complaint about any loan transaction, you may contact the California Department of Financial Protection and Innovation at 1-866-275-2677 (1-866-ASK-CORP), or file your complaint online at www.dbo.ca.gov.

 

Contact Us

MM4B welcomes your questions or comments regarding these Terms:

Money Man 4 Business

363 North Sam Houston Parkway East, Suite 1100

Houston, Texas 77060

Email: cash@moneyman4business.com

Phone: 281-763-2294 ext. 0

Website: www.moneyman4business.com

 

Effective Date: November 1, 2007 • Last Revised: January 2, 2019