Terms of Service

Please read these terms carefully before using our services

Last Updated: January 15, 2026

These Terms of Service ("Terms") govern your use of the Power Business Capital website and services. By accessing our website or using our services, you agree to be bound by these Terms.

1. Services Description

Power Business Capital provides merchant cash advances and revenue-based funding solutions to businesses. Our services are not traditional financing products. A merchant cash advance is a purchase of a portion of your future receivables at a discount, not a loan.

We act as an intermediary connecting businesses with funding solutions. Approval and terms of any funding are subject to underwriting criteria and may vary based on your business qualifications.

2. Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Be authorized to act on behalf of the business applying for funding
  • Provide accurate and complete information
  • Have a legitimate business operating in the United States

3. Application Process

When you submit an application:

  • You authorize us to verify the information you provide
  • You authorize us to obtain credit reports and other information necessary to evaluate your application
  • You acknowledge that submitting an application does not guarantee approval
  • You agree to provide additional documentation if requested

4. Accuracy of Information

You represent and warrant that all information you provide is accurate, complete, and current. Providing false or misleading information may result in denial of your application and may constitute fraud.

5. Bank Account Verification

By connecting your bank account through our verification services (such as Plaid or DecisionLogic), you:

  • Authorize us to access your account information for verification purposes
  • Acknowledge that the verification service has its own terms and privacy policy
  • Confirm that you are authorized to grant access to the account

6. Communications

By providing your contact information, you consent to receive communications from us regarding your application and our services. This may include:

  • Email communications
  • Phone calls
  • SMS/text messages (if you opt in)

For SMS communications, standard message and data rates may apply. You can opt out of SMS messages at any time by replying STOP.

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Power Business Capital or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Prohibited Uses

You agree not to:

  • Use our services for any unlawful purpose
  • Submit false or fraudulent applications
  • Interfere with the operation of our website
  • Attempt to gain unauthorized access to our systems
  • Use automated systems to access our website without permission

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these websites. Your use of third-party websites is at your own risk.

10. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT OUR WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POWER BUSINESS CAPITAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES.

12. Indemnification

You agree to indemnify and hold harmless Power Business Capital and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

16. Severability

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

17. Contact Information

For questions about these Terms, please contact us:

Power Business Capital
Email: info@powerbizcap.com
Phone: (888) 555-0123