Terms of Use

Who we are

Sparks Family Finance is a business financing brokerage. We are not a bank, a lender, or a credit union. We do not make credit decisions, issue credit, or determine the terms of any financing. We introduce business borrowers to third-party lenders and assist with the application process.

No offer of credit

Nothing on this website is an offer, commitment, or pre-approval of credit. Rates, amounts, terms, and timelines shown are typical market ranges presented for general information. All financing is subject to lender underwriting, verification, and approval, and actual terms may differ materially from anything shown here.

Business purposes only

The financing products described on this site are commercial products available to business entities for business purposes. They are not consumer loans and do not carry consumer lending protections.

Your responsibilities

• Information you submit must be accurate and complete
• You must be authorized to seek financing on behalf of the business you name
• You may not use this site for any unlawful purpose or to submit another party’s information without authority

Not professional advice

Content on this site is general information about financing structures. It is not legal, tax, accounting, or investment advice. Consult your own attorney and CPA before entering into any financing arrangement — particularly on tax matters such as Section 179 treatment.

Third-party links and lenders

We are not responsible for the content, terms, or conduct of third-party websites or lenders. Any financing agreement you enter is between you and that lender.

Limitation of liability

[TODO — attorney-drafted clause.]

Governing law and disputes

[TODO — attorney-drafted clause naming your state and your chosen dispute resolution mechanism.]

Changes

We may update these terms. The “last updated” date above reflects the current version, and continued use of the site constitutes acceptance.

Contact

Questions about these terms: klark@sparksfamilyfinance.com