Terms of service

These Terms and Conditions ("Agreement") govern the relationship between you ("Client" or "You") and Manifest Funding ("Broker," "We," or "Us") regarding the services We provide in brokering business loans and other commercial financing products. By engaging our services, you agree to be bound by these terms.

 

1. Broker Services and Scope of Work
 

Manifest Funding acts solely as an independent commercial loan broker.

Our Role: We analyze your financing needs, prepare your application package, and introduce you to our network of third-party lenders, financing sources, and funding partners ("Lenders").
No Guarantee of Funding: We do not guarantee that your application will be approved, nor do we guarantee any specific interest rate, term, or amount of financing. The final decision rests entirely with the Lenders.
Client Representation: You represent and warrant that all information, documents, and statements You provide to Us are true, accurate, and complete. You agree to promptly update Us with any changes.
 

2. Fees and Compensation
 

Broker Fee (Paid by Lender): If and only if You accept an offer of financing from a Lender introduced by Us, Manifest Funding will be paid a Broker Fee from the lender (also known as an origination or success fee). This fee is a percentage of the total financing amount and is typically paid directly by the Lender from the loan proceeds upon closing.

No Additional Client Fee: You acknowledge and agree that Manifest Funding does not charge the Client any additional, separate broker fees, origination fees, or success fees directly. Our compensation comes solely from the funding source or Lender, as disclosed in the separate compensation agreement provided prior to closing.
No Fee for Unsuccessful Applications: If You do not accept and close financing through a Lender We introduce, no Broker Fee is due to Us.

 

3. Privacy and Confidentiality
 

Information Sharing: You explicitly authorize Manifest Funding to share all necessary financial, business, and personal information and documents You provide (including, but not limited to, tax returns, bank statements, and credit reports) with Lenders in our network for the sole purpose of evaluating and securing financing offers.
Credit Authorization: You authorize Us and any Lender in our network to obtain consumer and business credit reports, background checks, and other relevant information necessary for the application process.
 

4. Client Responsibilities and Disclosure
 

Exclusivity (if applicable): If a separate agreement grants us an exclusive right to broker financing for a specified period, you agree not to seek or accept financing from other sources during that period for the type of financing covered by the agreement.
Full Disclosure: You must disclose to Us any existing financing, liens, or encumbrances on your business or collateral that may affect your ability to secure new financing.
Timeliness: You agree to provide all requested documentation promptly to avoid delays in processing your application.
 

5. Disclaimer of Liability
 

No Fiduciary Duty: You acknowledge that Manifest Funding acts as an independent contractor and not as a fiduciary, legal advisor, or financial planner.
Lender Decisions: We are not responsible for the actions, policies, fees, or final decisions of any Lender. You are solely responsible for reviewing and understanding the final loan documents provided by the Lender.
Indemnification: You agree to indemnify and hold harmless Manifest Funding from any claims, losses, or damages arising from the use of our services or any agreement You enter into with a Lender.
 

6. Governing Law
 

This Agreement shall be governed by and construed in accordance with the laws of California and Texas, without regard to its conflict of laws principles.

 

7. Communication
 

For all inquiries, notices, or communications regarding these Terms and Conditions or our services, please contact us at:

Email: [email protected]