Terms of Use

By accessing this site or submitting information through the Qualification Engine, you agree to these Terms of Use. If you do not agree, do not use the site.

2nd Chance Biz Capital is a financial technology platform and referral service, not a bank, direct lender, or funder. We do not make credit decisions, set final pricing, or issue commitments. All financing is originated, underwritten, approved, and funded by third-party lenders and funders under their own agreements.

We may receive compensation from a funding partner when a transaction closes. That compensation may vary by product and partner.

All financing described on this site is for business and commercial purposes only. It is not offered for personal, family, or household use, and consumer lending protections that apply to personal credit generally do not apply. Merchant cash advances are purchases of future receivables, not loans, and are not governed by state usury limits.

Rate ranges, factor rates, funding speeds, credit minimums, and qualification criteria published on this site are 2026 market benchmarks compiled from published lender pricing. They are illustrative, not offers, quotes, commitments, or guarantees of any term. Actual terms depend on creditworthiness, industry, collateral, time in business, deposit history, and prevailing prime and Treasury rates.

Funding timelines assume a complete application with all documentation supplied at submission. Federally guaranteed structures such as SBA 7(a) and 504 follow agency timelines outside any lender's control. Testimonials describe individual experiences and are not a promise that you will receive similar results.

You represent that you are at least 18 years old, that you are authorized to act on behalf of the business you submit, and that all information you provide is accurate and complete. Submitting false or misleading information may result in denial of financing and may constitute fraud.

You grant us permission to share your submission with lenders and funding partners for the purpose of evaluating financing for your business. Submitting a request does not create a commitment by us or any partner to provide financing.

You may not use this site to submit another party's information without authority, to scrape or bulk-download content, to interfere with site security or availability, or for any unlawful purpose.

The site's content, product comparisons, copy, branding, and design are owned by 2nd Chance Biz Capital and protected by applicable law. You may view and print pages for your own business use; any other reproduction or redistribution requires written permission.

The site may reference or link to third-party sites and services. We do not control and are not responsible for their content, terms, or privacy practices.

The site is provided on an as-is and as-available basis without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Nothing here is legal, tax, accounting, or investment advice; consult your own advisors before entering into any financing.

To the maximum extent permitted by law, 2nd Chance Biz Capital is not liable for indirect, incidental, consequential, special, or punitive damages, or for lost profits or business, arising from your use of the site or any financing obtained through a partner.

You agree to indemnify and hold harmless 2nd Chance Biz Capital and its officers, employees, and agents from claims arising out of your use of the site, your submissions, or your breach of these terms.

These terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Massachusetts.

We may revise these terms at any time; the effective date above reflects the current version, and continued use constitutes acceptance. Questions: 2nd Chance Biz Capital, 301 Edgewater Place, Suite 100, Wakefield, MA 01880, Approval@2ndchancebizcapital.com.