Terms and Conditions

Last updated: July 10, 2026

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the website operated by Forwardfy Capital LLC ("Forwardfy Capital," "we," "us," or "our"). By accessing the website, submitting an application, or making an inquiry, you ("the User") agree to be bound by these Terms and by our Privacy Policy.

Forwardfy Capital LLC is a business financing broker, not a lender or bank. We arrange alternative business funding products - which may include revenue-based financing, merchant cash advances, invoice factoring, term loans, and lines of credit - directly or through our network of third-party funding partners. Any credit decision, underwriting decision, or funding offer is made by the funding provider, not by Forwardfy Capital LLC.

2. Authorization and Capacity

The User confirms that they possess the legal capacity to use this website and to enter into agreements, and that they are authorized to act on behalf of any business or entity they represent in any application, inquiry, or communication made through the website.

The User further represents that any financing sought through this website is for business or commercial purposes only, and not for personal, family, or household use.

3. Accuracy of Information

The User agrees to provide accurate and complete information when applying or making inquiries via the website, and to promptly update such information as needed. Submitting false or misleading information may result in denial of services and may carry legal consequences.

4. Credit Inquiries and Checks

By submitting an application, the User authorizes Forwardfy Capital LLC and the funding providers to which Forwardfy Capital LLC submits the User's application to contact third parties - including banks, financial institutions, and credit reporting agencies - to verify the information provided. Checking your initial funding options has no impact on your personal credit score, and any soft credit pull happens only if you choose to move forward. A funding provider may require a hard credit check, which could include business and/or personal credit reports, before issuing a final funding offer; Forwardfy Capital LLC will inform you before any such check that could affect your credit score, and any hard credit check will only be run with your permission.

5. Information Sharing and Confidentiality

The User consents to the collection and disclosure of personal information in accordance with our Privacy Policy. Forwardfy Capital LLC may share User information with third-party small-business funding partners, banks, financial institutions, and credit reporting agencies for the evaluation and offering of credit products and services suited to the User's business, and with service providers who help operate the website and process applications.

6. Communication Consent

When you submit a form on this website that includes a consent disclosure, you agree that Forwardfy Capital LLC and its designated agents and representatives may contact you via telephone, text message, email, or other forms of communication regarding your application, our services, and related offerings, consistent with the specific consent language presented to you at the time you submitted your information.

7. Text Messaging (SMS) Consent

Where you have affirmatively agreed to receive text messages from Forwardfy Capital LLC (for example, by checking a consent box on an application or contact form), we may send text communications, including informational and promotional messages, potentially using automated technology. Message frequency varies. Consent to texts is not a condition of obtaining any service. Message and data rates may apply. You may opt out at any time by replying STOP to any message, or by providing written notice to Info@ForwardFy.com; reply HELP for help.

8. Acceptable Use of the Website

The User agrees not to misuse the website, including but not limited to:

• Attempting unauthorized access to systems, accounts, or data;
• Distributing malware, viruses, or other harmful code;
• Transmitting spam or unsolicited communications through the platform;
• Infringing the intellectual property rights of Forwardfy Capital LLC or any third party;
• Engaging in any activity that disrupts or impairs the website or its services.

9. Intellectual Property

All content on this website - including text, graphics, logos, and design - is the property of Forwardfy Capital LLC or its licensors and is protected by applicable intellectual property laws. No content may be reproduced or distributed without prior written permission.

10. No Offer or Guarantee

Content on this website is provided for general information and does not constitute an offer, commitment, or guarantee of funding. All funding products are subject to application, review, and execution of a definitive funding agreement, whose terms control in the event of any conflict with website content.

11. Indemnification

The User agrees to indemnify, defend, and hold harmless Forwardfy Capital LLC, its officers, employees, and agents from and against any liability, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from the User's use of the website or violation of these Terms.

12. Changes to These Terms

We may update these Terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

13. Contact

Questions about these Terms? Contact Forwardfy Capital LLC at Info@ForwardFy.com or (855) 393-7449, Monday – Friday, 9:00 a.m. – 8:00 p.m. ET, or by mail at Forwardfy Capital LLC, 1400 Ave Z, Suite 409, Brooklyn, NY 11235.