Disclosures

1. Not a Loan Disclosure

InstaFunding LLC is not a lender and the merchant cash advance transactions described on this website are not loans. A merchant cash advance is the purchase and sale of a specified amount of a business's future receivables in exchange for an upfront Purchase Price. It is a commercial transaction between businesses. It does not bear interest, has no principal balance, and has no fixed maturity or amortization schedule. State and federal laws applicable to consumer credit and commercial lending do not apply to these transactions in the same manner, and nothing on this website should be understood as offering or describing credit.

2. Receivables Purchase Explanation

In a receivables purchase transaction: (a) the merchant sells, and InstaFunding LLC purchases, a Specified Amount of the merchant's future receivables; (b) the merchant receives the agreed Purchase Price upfront; and (c) InstaFunding LLC receives remittances from the merchant's receivables as they are generated, until the Specified Amount has been delivered. Remittance mechanics, reconciliation rights, and all other terms are established exclusively in the executed purchase agreement between the parties. Descriptions on this website are general educational summaries only and do not modify, supplement, or interpret any agreement.

3. No Guarantee of Funding

Submission of an application or inquiry does not obligate InstaFunding LLC to purchase receivables or provide funding of any kind, and does not obligate the applicant to proceed. All funding is contingent on underwriting review, verification of information, and final approval. Approval amounts, pricing, and structures vary by business and are not established until set forth in an executed agreement. Estimated timelines on this website (including references to same-day decisions and 24–48 hour funding) describe typical experience for complete files and are not commitments in any individual case.

4. No Financial, Legal, or Tax Advice

Content on this website is provided for general informational purposes only and does not constitute financial, investment, legal, accounting, or tax advice. Businesses should consult their own qualified advisors before entering into any financing or receivables purchase transaction. InstaFunding LLC does not act as an advisor or fiduciary to any applicant or merchant.

5. Forward-Looking Statements

This website may contain statements regarding business volumes, funding speeds, growth, and market position. Such statements reflect historical experience or present intention and are not promises of future performance or outcomes. Actual results vary and depend on factors outside any party's control.

6. Separate Entity Products

Where this website references term loan products, such products are offered exclusively by a separate, independently operated entity licensed in the State of Utah, and not by InstaFunding LLC. InstaFunding LLC does not originate, offer, broker, or service loans. References to term financing on this website are informational; any loan relationship would be governed solely by that separate entity's agreements and disclosures.

7. Governing Law & Venue

This website, its content, and any dispute arising out of or relating to the use of this website are governed by the laws of the State of Connecticut, without regard to conflict-of-laws principles. The exclusive venue for any such dispute shall be the state or federal courts located in Connecticut, and each user consents to the personal jurisdiction of such courts. Executed commercial agreements contain their own governing-law and venue provisions, which control as to those agreements.

8. Limitation of Liability

To the fullest extent permitted by law, InstaFunding LLC and its members, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to the use of, or inability to use, this website or its content, even if advised of the possibility of such damages. The website and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, availability, or fitness for a particular purpose.

9. Use of Site — No Contractual Relationship

Use of this website, submission of a form, or communication with InstaFunding LLC through this website does not create any contractual, advisory, fiduciary, or other relationship between the user and InstaFunding LLC. A relationship is formed only by a definitive written agreement executed by both parties. Information provided on or submitted through this website is not binding on either party.