Disclosures

Effective: REPLACE_ME (effective date)  ·  Entity: REPLACE_ME Legal Entity Name

1. We are a broker, not a lender

REPLACE_ME Legal Entity Name does not lend money and does not make credit decisions. We present applications to third-party funding providers who decide independently whether to extend financing and on what terms. Any financing agreement is between you and that provider.

2. How we are compensated

We are paid a commission by the funding provider when a transaction completes. You pay us no fee. Commission rates differ between products and providers. Faster, higher-cost products such as merchant cash advances generally pay a broker more than slower, lower-cost products such as SBA loans.

That is a genuine conflict of interest and we state it plainly rather than burying it. Our published guidance reflects it: our SBA page recommends SBA where you qualify and can wait, and our merchant cash advance page opens by saying it is the most expensive money we place. You should still ask, on any specific offer, what we are paid on it. We will tell you.

3. A merchant cash advance is not a loan

It is the purchase of a specified amount of your future receivables at a discount. There is no interest rate; cost is expressed as a factor rate, and the total remitted is fixed at signing. Because it is a purchase rather than a loan, it is not subject to the same regulations, disclosure requirements or usury limits that apply to loans in many states.

Practical consequences worth understanding before signing: repaying early generally does not reduce the total amount owed; remittance is typically taken daily or weekly from your deposits; and the effective annualised cost is often substantially higher than a comparable term loan. Ask us to convert any factor rate into an annualised figure before you sign.

4. Stacking

Taking an additional advance while one is outstanding, known as "stacking", significantly increases the risk of default and is, in our experience, the fastest way a viable business becomes an insolvent one. Many funding agreements prohibit it and treat it as an event of default. We will decline to arrange it.

5. Personal guarantees

Many products require a personal guarantee or a performance guarantee from an owner. That can make you personally liable. We will identify which applies before you sign; read the agreement, and consider having a lawyer read it.

6. No guarantee of approval

Submitting an application does not guarantee approval, an amount, a rate or a timeline. All figures described on this site are typical ranges, not offers.

7. Availability

Products and terms vary by state and are not available everywhere. Some industries are restricted by most funding providers.

8. Independence

REPLACE_ME Legal Entity Name is independently owned and is not affiliated with, owned by, or operating as a trade name of any bank, funding provider or other financing brand.

9. General

Hudson Row Advisors is a financing marketplace and broker. We are not a bank and do not make credit decisions. A merchant cash advance is a purchase of a portion of your future receivables, not a loan, and is not subject to the same regulations as a loan. Approval, amounts, factor rates and terms are determined by third-party funding providers and depend on the information you supply and their underwriting. Nothing on this site is an offer, a commitment to fund, or financial, legal or tax advice. Not available in all states.

10. Questions

REPLACE_ME Legal Entity Name
REPLACE_ME, REPLACE_ME, NY REPLACE_ME
REPLACE_ME@hudsonrowadvisors.com · REPLACE_ME