These Terms of Service ("Terms") govern your use of eqfunding.com and the application platform (the "Services") operated by Vertex Innovation Collective LLC, doing business as EQ Funding ("EQ Funding," "we," "us"). By using the Services, you agree to these Terms and to our Privacy Policy.
EQ Funding is a financing marketplace and broker. We are not a lender, and we do not make credit decisions. When you submit an application, we route it to third-party lenders in our network who independently decide whether to extend an offer and on what terms. Any financing agreement is between you and the lender. EQ Funding is compensated by lenders on closed transactions.
Submitting an application does not guarantee that you will receive an offer, a particular rate, or funding within any particular timeframe. Calculators, rate ranges, timelines, and example deal profiles on this site are illustrations based on typical network activity — they are not quotes, pre-approvals, or commitments to lend. Actual terms are set solely by the lender after reviewing your file.
You agree that the information you submit is accurate and that you are authorized to submit it on behalf of your business. You authorize us to share your application with lenders in our network as described in the Privacy Policy, and you consent to being contacted about your application as described there.
You may not use the Services to submit false or fraudulent applications, interfere with the operation of the site, or attempt to access data that is not yours.
The site, including its design, copy, and brand assets, is owned by Vertex Innovation Collective LLC. Press may use the brand assets provided on our press page in accordance with the guidelines there.
The following additional terms apply if you register for or participate in the EQ Funding partner program (the "Partner Program"). By creating a partner account you agree to them in addition to the rest of these Terms.
You must be at least 18 and provide accurate registration details. You are responsible for activity under your account and for keeping your contact and payout information current. One account per partner; we may suspend or close duplicate or fraudulent accounts. Participation does not make you an employee, agent, joint venturer, or partner of EQ Funding — you act as an independent referrer.
A referral is attributed to you when an applicant reaches us through your referral link, enters your referral code, or enters your registered name on the application. Link attribution relies on a cookie that lasts up to 90 days from the applicant's last visit and is device- and browser-specific; where more than one partner is involved, the most recent referral controls. We determine attribution in good faith, and our determination is final. Referrals of yourself, your own businesses, existing applicants or leads already in our pipeline, or applicants you are not authorized to refer are not eligible.
You earn a referral fee only when a referred application results in a transaction that actually funds. No fee is earned on applications, inquiries, declines, withdrawn or duplicate applications, or deals that do not close. A fee is considered earned only after the financing funds and any rescission, refund, cancellation, or chargeback period has passed.
Referral fees are tiered by the funded amount and product category, as set out in your partner dashboard. Certain lower-margin products (for example SBA, commercial real estate, and invoice factoring) pay a reduced fee because our own compensation on them is smaller. Fees are stated in U.S. dollars, are gross of any taxes, and apply per funded transaction. We may change the fee schedule prospectively; the schedule in effect when a deal funds governs that deal.
Earned fees are paid to the payout method you set up in the portal, after the deal funds and the applicable clawback period passes. You are responsible for providing valid payout and tax details; we are not liable for payments delayed or misdirected because your information was inaccurate or incomplete. If a funded deal is later rescinded, refunded, cancelled, or charged back, any related fee is reversed and may be offset against future fees.
You must represent EQ Funding truthfully and may not promise approvals, rates, or terms on our behalf. You may not send spam or unsolicited messages, harvest contacts unlawfully, impersonate EQ Funding, bid on our brand terms in paid search, or use deceptive, misleading, or incentivized-without-disclosure tactics. You must comply with all applicable laws, including those governing marketing, email, calls, and texts (such as CAN-SPAM, the TCPA, and Canada's CASL). Violations may result in forfeiture of fees and termination from the Partner Program.
You are solely responsible for any taxes on fees you receive. We may require valid tax documentation (such as a W-9 or W-8) before paying fees and may issue tax forms (such as a Form 1099) where required by law.
We may modify, suspend, or discontinue the Partner Program, or your participation in it, at any time and for any reason. Fees validly earned on deals that funded before termination remain payable, subject to the clawback and conduct terms above.
The Services are provided "as is" without warranties of any kind. To the maximum extent permitted by law, EQ Funding is not liable for indirect, incidental, or consequential damages arising from your use of the Services, or for the acts, omissions, or terms offered by third-party lenders. Our total liability for any claim relating to the Services will not exceed one hundred dollars ($100).
These Terms are governed by the laws of the state in which Vertex Innovation Collective LLC is organized, without regard to conflict-of-laws principles.
We may update these Terms from time to time. Material changes will be reflected in the effective date above. Continued use of the Services after changes take effect constitutes acceptance.
Questions about these Terms: hello@eqfunding.com