Terms & Conditions

Welcome to SPENCEME LLC. By accessing our website or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, you may not use our services.

2. Services Provided

SPENCEME LLC is a direct business lender providing working capital solutions, revenue-based financing, equipment financing, business expansion loans, and commercial real estate financing to qualified businesses.

All loan products are subject to:

• Credit approval and underwriting review
• Verification of business information
• Compliance with applicable federal and state lending laws
• Execution of a loan agreement containing specific terms, rates, and conditions

3. Eligibility Requirements

To apply for our services, you must:

• Be at least 18 years of age
• Have authority to enter into a binding contract on behalf of your business
• Operate a legally registered business entity
• Provide accurate and complete information in your application

4. Application Process

When you submit a loan application:

• You authorize us to obtain your business and personal credit reports
• You certify that all information provided is accurate and complete
• You understand that submitting an application does not guarantee approval
• You agree to provide additional documentation as requested during underwriting

5. SMS Terms & Conditions

6. Loan Terms and Conditions

Specific loan terms, including interest rates, fees, repayment schedules, and other conditions, will be detailed in your individual loan agreement. These Terms & Conditions do not constitute a loan offer or agreement.

All loans are subject to:

• Individual underwriting and approval
• Execution of a formal loan agreement
• Compliance with all applicable federal and state laws

7. Fees and Charges

Any fees associated with your loan will be clearly disclosed before you accept the loan offer. Fees may include:

• Origination fees
• Processing fees
• Late payment fees (if applicable)
• Other fees as disclosed in your loan agreement

8. Repayment Obligations

If you accept a loan offer:

• You agree to repay the full amount borrowed plus any applicable fees and interest
• Payments are due according to the schedule in your loan agreement
• Late payments may result in additional fees and negative credit reporting
• Default may result in collection action and legal proceedings

9. Use of Website

You agree to use our website only for lawful purposes. You may not:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Use automated tools to scrape or collect data
• Violate any applicable laws or regulations

10. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of SPENCEME LLC and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

11. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or harmful components

12. Limitation of Liability

To the fullest extent permitted by law, SPENCEME LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services.

13. Governing Law

These Terms & Conditions are governed by the laws of the State of Ohio, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Cuyahoga County, Ohio.

14. Arbitration Agreement

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

15. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the revised terms.

16. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Information

If you have questions about these Terms & Conditions, please contact us:

18. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any executed loan agreements, constitute the entire agreement between you and SPENCEME LLC regarding the use of our website and services.