Important Disclosures
Please read these disclosures carefully. They apply to this website and to all inquiries and transactions involving InstaFunding LLC.
Last updated: July 2026
Contents
1. Not a Loan Disclosure
InstaFunding LLC ("InstaFunding," "we," "us") is not a lender and does not make loans. InstaFunding provides capital to businesses through the purchase of future receivables. In these transactions, InstaFunding purchases a specified amount of a business's future receivables at an agreed-upon purchase price. Such transactions are commercial agreements between businesses. They are not loans, do not bear interest, and no annual percentage rate applies or is calculable for them, because they are not credit transactions.
2. How a Receivables Purchase Works
In a receivables purchase transaction: (a) the business sells, and InstaFunding purchases, a specified amount of the business's future receivables; (b) InstaFunding pays the business an agreed purchase price upfront; and (c) the business remits the purchased receivables as they are generated, in the manner set forth in the parties' agreement, which may include reconciliation provisions that align remittances with actual receivables. The complete terms of any transaction are set forth exclusively in the definitive written agreement between InstaFunding and the business. No statement on this website modifies, supplements, or supersedes the terms of any such agreement.
3. No Guarantee of Funding
Submission of an application or inquiry through this website is a request for information only. All funding is contingent on underwriting review and approval. InstaFunding may decline any application in its sole discretion. Funding amounts, purchase prices, specified amounts, remittance structures, and timing vary based on underwriting factors, including business performance, deposit history, industry, existing obligations, and other criteria. Any timeframes referenced on this website (including "24–48 hours" and "same-day decisions") are typical experiences, not commitments, and depend on the completeness of the application and documentation. Nothing on this website constitutes an offer, commitment, or guarantee to provide funding.
4. Separate Entities; Term Loan Products
References on this website to business term loans or similar credit products relate exclusively to products that may be offered by a separate affiliated entity operating under applicable state licensing, including licensing in the State of Utah. InstaFunding LLC does not offer, broker, or originate loans. Any loan product is subject to the offering entity's own application process, underwriting criteria, disclosures, and applicable law, and may not be available in all states. Nothing on this website constitutes an offer or commitment to lend by any entity.
5. No Financial, Legal, or Tax Advice
Content on this website is provided for general informational purposes only and does not constitute financial, legal, accounting, or tax advice. You should consult your own advisors before entering into any financing or receivables purchase transaction. InstaFunding does not act as a fiduciary or advisor to any applicant or counterparty.
6. Forward-Looking Statements
This website may contain statements regarding InstaFunding's business, funding volumes, capabilities, and processes that are forward-looking or based on historical experience. Such statements reflect conditions as of the date made, are subject to change without notice, and should not be relied upon as predictions of future performance or availability of funding.
7. Use of Site Does Not Create a Relationship
Use of this website, submission of an application or inquiry, or communication with InstaFunding personnel does not create any contractual, advisory, fiduciary, or other relationship between you and InstaFunding. A relationship arises only upon execution of a definitive written agreement signed by an authorized representative of InstaFunding. Information provided on this website and in the application process is not binding on either party.
8. Governing Law
This website and its use are governed by the laws of the State of Connecticut, without regard to conflict-of-laws principles. Unless otherwise provided in a definitive written agreement, any dispute arising out of or relating to this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Connecticut, and you consent to venue and personal jurisdiction in those courts.
9. Limitation of Liability
To the maximum extent permitted by law, InstaFunding and its members, officers, employees, affiliates, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages — including lost profits, lost revenue, or business interruption — arising out of or relating to your use of, or inability to use, this website or its content, regardless of the theory of liability and even if advised of the possibility of such damages. This website and its content are provided "as is" and "as available," without warranties of any kind, express or implied.
Questions about these disclosures may be directed to info@instafunding.com. See also our Terms of Use and Privacy Policy.