Getting an offer will not impact your credit score. Only in the case of sole proprietorships and partnerships, a hard credit inquiry will be made after you receive and accept your offer should you choose to do so. The Small Business Link's Invoice Factoring Loans are issued by CIT, a Member FDIC.

To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires that The Small Business Link, on behalf of CIT, to obtain, verify, and record information that identifies each individual or institution that opens an account or establishes a customer relationship.

INFORMATION

ALL INFORMATION WILL BE HELD IN STRICTEST CONFIDENCE.

I certify that this information is correct and complete. I further understand that the credit grantor will rely on this information for the extension of credit. This is not an agreement by credit grantor to lend money, it is an agreement by the customer for the benefit of the credit grantor, should the credit grantor extend credit to the customer in the future.

RELEASE and AUTHORIZATION:

The undersigned requests that The Small Business Link, LLC. and any of its affiliates including, without limitation, their agents, and assigns (“THE LINK”), review Applicant’s credit for commercial financing, which financing is to be used for business purposes only and not for personal, family or household use (the “Financing”). The undersigned has advised THE LINK that he or she is an owner, principal, proprietor, partner, member, officer, or an individual acting as a guarantor of Applicant’s financial obligations with authority to act on behalf of Applicant. The undersigned understands and acknowledges that his or her personal credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and/or mode of living may be a factor in the evaluation of the credit worthiness of Applicant. Accordingly, the undersigned authorizes THE LINK to obtain and review credit reports and/or conduct background investigations on any of the undersigned and/or Applicant as may be necessary in the sole discretion of THE LINK to evaluate the Financing, any future financings of or credit extensions to Applicant, or any matter arising in connection thereto. The undersigned further understands and acknowledges that, (a) THE LINK may obtain such reports and information from national credit bureaus, reporting agencies, trade organizations, banks, finance companies or bonding companies and other third parties, and (b) THE LINK may disclose to third parties certain financial information regarding Applicant that THE LINK has obtained or will obtain in connection with the Financing, including without limitation, payment history information, account balances, due dates and other payment information. The undersigned hereby authorizes the release to THE LINK of the above information. Also, to help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. A copy of this signed document shall have the same validity as the original. The undersigned confirms the foregoing acknowledgments and authorizations and ratifies any prior actions of THE LINK in connection with any of the foregoing by executing where indicated below.

EQUAL CREDIT OPPORTUNITY ACT NOTICE

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

DISCLOSURE TO BORROWERS

BORROWERS PLEASE NOTE: Federal law states that whoever knowingly and willfully makes a false statement, overvalues any land, or property security, for the purpose of influencing THE LINK in connection with a loan, is subject to a fine of up to $5,000, or imprisonment for up to two years, or both. Under penalty of perjury, you certify that (i) all information given on this application is true, complete, and is given for the purpose of requesting a loan; and (ii) that, other than those you have stated on this application, you have no other outstanding indebtedness, either as a maker, co-maker, or guarantor. You authorize any person, association, or corporation to furnish on request THE LINK, information concerning you or your affairs. You authorize THE LINK to contact and inquire about your references and your employer(s) present, past and future; and to obtain consumer credit reports about you. You also authorize THE LINK to furnish information concerning your account to credit reporting agencies. THE LINK may report information about your account(s) to credit reporting agencies/bureaus. Late payments, missed payments, insufficient funds transactions, or other defaults on your account may be reflected in your credit report. You understand that you will be provided with a copy of the Agreements and Disclosures applicable to your Invoice Factoring Loan Plan, including the Invoice Factoring Loan Agreement and the Truth-in-Lending Disclosure, the Statement of Billing Rights, and the Security Agreement, when the loan sub-account is approved. You further agree that if you sign this Application and you access the line of credit, negotiate any check or draft that is issued under the terms of the Loan Plan, or utilize the loan proceeds in any way, then you are agreeing to be bound by the terms and conditions applicable to the Loan Plan, including the Promise to Pay all amounts owed to THE LINK. If you are applying for closed-end credit, you acknowledge that you will sign your Note and Disclosure Statement at the time the loan closes and you agree to be bound by its terms and conditions. If this application is approved and invoice factoring loan issued, the undersigned Applicant(s) by signing and using invoice factoring loan agree(s) that the Applicant(s) will be bound by the terms and conditions of the invoice factoring loan account agreement and disclosure and all amendments thereto.

Getting an offer will not impact your credit score. Only in the case of sole proprietorship and partnerships, a hard credit inquiry will be made after you receive and accept your offer should you choose to do so. THE LINK’s Invoice Factoring Loans are issued by The Small Business Link, LLC.

To help the U.S. Government fight the funding of terrorism and money laundering activities, Federal Law requires that THE LINK obtain, verify, and record information that identifies of each individual or institution that opens an account or establishes a customer relationship.

BORROWERS PLEASE NOTE: Federal law states that whoever knowingly and willfully makes a false statement, overvalues any land, or property security, for the purpose of influencing The Small Business Link in connection with a loan, is subject to a fine of up to $5,000, or imprisonment for up to two years, or both.

Under penalty of perjury, you certify that (i) all information given on this application is true, complete, and is given for the purpose of requesting a loan; and (ii) that, other than those you have stated on this application, you have no other outstanding indebtedness, either as a maker, co-maker, or guarantor. You authorize any person, association, or corporation to furnish on request The Small Business Link, information concerning you or your affairs. You authorize The Small Business Link to contact and inquire of your references and your employer(s) present, past and future; and to obtain consumer credit reports about you. You also authorize The Small Business Link to furnish information concerning your account to credit reporting agencies. The Small Business Link may report information about your account(s) to credit reporting agencies/bureaus. Late payments, missed payments, insufficient funds transactions, or other defaults on your account may be reflected in your credit report. You understand that you will be provided with a copy of the Agreements and Disclosures applicable to your Invoice Factoring Loan Plan, including the Invoice Factoring Loan Agreement and the Truth-in-Lending Disclosure, the Statement of Billing Rights and the Security Agreement, when the loan sub-account is approved. You further agree that if you sign this Application and you access the line of credit, negotiate any check or draft that is issued under the terms of the Loan Plan, or utilize the loan proceeds in any way, then you are agreeing to be bound by the terms and conditions applicable to the Loan Plan, including the Promise to Pay all amounts owed to The Small Business Link. If you are applying for closed-end credit, you acknowledge that you will sign your Note and Disclosure Statement at the time the loan closes and you agree to be bound by its terms and conditions. If this application is approved and invoice factoring loan issued, the undersigned Applicant(s) by signing and using invoice factoring loan agree(s) that the Applicant(s) will be bound by the terms and conditions of the invoice factoring loan account agreement and disclosure and all amendments thereto.