Terms of Service

1. Acceptance of Terms

By accessing or using the Express Funding Of America website (expresssfunding.com) and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use our website or services. These Terms constitute a legally binding agreement between you and Express Funding Of America ("Company," "we," "us," or "our").

2. Description of Services

Express Funding Of America provides business funding solutions, including but not limited to working capital loans, merchant cash advances, business lines of credit, equipment financing, invoice factoring, and SBA loan assistance. We act as a facilitator connecting businesses with appropriate funding options. We are not a direct lender in all cases and may connect you with third-party lending partners.

3. Eligibility

To use our services, you must be at least 18 years of age, have the legal authority to enter into binding agreements, and be the owner or authorized representative of the business seeking funding. By using our services, you represent and warrant that you meet all eligibility requirements.

4. Application & Information Accuracy

You agree to provide accurate, current, and complete information in all applications and communications with us. You understand that providing false or misleading information may result in the denial of your application, termination of services, and potential legal consequences. We reserve the right to verify any information you provide.

5. Communications Consent

You understand that consent is not required as a condition to receive our services. Message and data rates may apply. Message frequency varies based on your interaction with us.

Opt-Out: You may opt out of text messages at any time by replying STOP. You may opt out of email communications by clicking the unsubscribe link in any email.

Help: For assistance with text messaging, reply HELP or contact nir@expresssfunding.com.

6. No Guarantee of Funding

Submitting an application does not guarantee approval or funding. All funding decisions are subject to review, verification, and approval based on various factors including but not limited to business revenue, creditworthiness, time in business, and other underwriting criteria. We reserve the right to decline any application at our sole discretion.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Express Funding Of America or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

8. Prohibited Uses

You agree not to:

• Use our website or services for any illegal or unauthorized purpose
• Submit false or fraudulent applications or information
• Interfere with or disrupt our website or services
• Attempt to gain unauthorized access to our systems
• Use automated systems to scrape or extract data from our website
• Impersonate any person or entity

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXPRESS FUNDING OF AMERICA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11. Indemnification

You agree to indemnify, defend, and hold harmless Express Funding Of America, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of our website or services, your violation of these Terms, or your violation of any third-party rights.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of Florida.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions shall remain in full force and effect.

15. Contact Us

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