Terms & Conditions

Effective Date: March 31, 2026
Last Updated: March 31, 2026

These Terms & Conditions ("Terms") govern your use of the Townecraft Finance & Credit Solutions LLC website and services. By accessing our website, submitting an application, or engaging with our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By using our website or services, you acknowledge that you have read, understood, and agree to these Terms, as well as our Privacy Policy. If you do not agree, you must discontinue use immediately.

2. Services Overview

Townecraft Finance & Credit Solutions LLC is a direct lender offering business financing solutions, including working capital loans, revenue-based financing, equipment financing, commercial real estate loans, invoice factoring, and business expansion funding. All loan products are subject to credit approval and underwriting criteria.

3. Eligibility

To apply for financing, you must:

• Be at least 18 years of age
• Have legal authority to bind the business entity applying for financing
• Operate a legitimate, lawful business
• Provide accurate and complete information in your application

We reserve the right to verify your identity, business information, and creditworthiness. Providing false or misleading information may result in denial of your application or legal action.

4. Loan Application Process

Submitting an application does not guarantee approval or create any obligation on our part to extend credit. We evaluate each application based on:

• Business financial performance and credit history
• Industry, revenue, and time in operation
• Personal credit of business owners or guarantors
• Collateral or assets (where applicable)

We may request additional documentation or information during the review process. Approval is subject to satisfactory underwriting and verification.

5. Loan Terms and Repayment

If approved, you will receive a loan agreement detailing:

• Loan amount, interest rate, and fees
• Repayment schedule and method
• Default provisions and remedies
• Collateral or security interests (if applicable)

You are responsible for reviewing all loan documents carefully before signing. Once executed, the loan agreement becomes a binding contract. Failure to repay as agreed may result in default, collection actions, credit reporting, and legal proceedings.

6. Fees and Charges

All applicable fees—including origination fees, processing fees, late fees, and prepayment penalties (if any)—will be disclosed in your loan agreement. We do not charge application fees unless otherwise stated in writing.

7. SMS Terms & Conditions

8. Use of Website

You agree to use our website only for lawful purposes. You may not:

• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or networks
• Use automated tools (bots, scrapers) to access or collect data
• Upload viruses, malware, or malicious code
• Interfere with the proper functioning of the website

We reserve the right to suspend or terminate your access if you violate these Terms.

9. Intellectual Property

All content on our website—including text, graphics, logos, images, and software—is the property of Townecraft Finance & Credit Solutions LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.

10. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy practices, or terms of these external sites. Use them at your own risk.

11. Disclaimers

Our website and services are provided "as is" without warranties of any kind, express or implied. We do not guarantee that:

• The website will be error-free, uninterrupted, or secure
• Information provided is accurate, complete, or current
• Loan approval or specific terms will be granted

You use our website and services at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, Townecraft Finance & Credit Solutions LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of profits, data, or business opportunities.

13. Indemnification

You agree to indemnify and hold harmless Townecraft Finance & Credit Solutions LLC from any claims, damages, liabilities, or expenses (including legal fees) arising from your breach of these Terms, violation of laws, or misuse of our services.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles. Any disputes arising from these Terms or our services shall be resolved through binding arbitration in Bergen County, New Jersey, in accordance with the rules of the American Arbitration Association, except where prohibited by law.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our website or services after changes constitutes acceptance of the revised Terms.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any executed loan agreements, constitute the entire agreement between you and Townecraft Finance & Credit Solutions LLC regarding your use of our services.

18. Contact Information

If you have questions or concerns about these Terms, please contact us:

Townecraft Finance & Credit Solutions LLC
1 De Boer Drive
Glen Rock, NJ 07452
Email: rafael@townecraftfinancecreditsolutions.com