The terms governing your use of Premier Access Funding's website and commercial lending services.
Effective Date: January 1, 2025 | Last Updated: June 1, 2025
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Applicant," "Borrower," or "you") and Premier Access Funding ("Company," "we," "us," or "our") governing your use of our website at premieraccessfunding.com ("Site") and any related services, products, or applications offered by Premier Access Funding (collectively, "Services").
BY ACCESSING OUR WEBSITE OR SUBMITTING AN APPLICATION, YOU AGREE TO THESE TERMS IN FULL. IF YOU DO NOT AGREE, DO NOT USE OUR WEBSITE OR SERVICES.
By accessing or using our Site or Services, you represent that: (a) you are at least 18 years of age; (b) you have the legal authority to enter into these Terms individually or on behalf of a business entity; (c) you have read, understood, and agree to be bound by these Terms; and (d) all information you provide to us is accurate, complete, and not misleading.
Premier Access Funding is a commercial lender and financial services company that provides business financing products, including but not limited to business lines of credit, short-term business loans, equipment financing, merchant cash advances, and commercial real estate (DSCR) loans to qualifying businesses in the United States.
Premier Access Funding is not a bank. Loan products are originated by Premier Access Funding and/or its licensed lending partners.
Our Services are available only to business entities operating in the United States. Individual consumer loans are not offered. All loan products are subject to credit approval and underwriting review.
Submission of a loan application does not constitute a commitment to lend, and does not guarantee approval for any loan product. All applications are subject to underwriting review, credit evaluation, identity verification, and satisfying all other applicable requirements at our sole discretion.
Annual Percentage Rates (APR) for our loan products range from approximately 9% to 99%, depending on the product type, loan amount, loan term, borrower creditworthiness, time in business, and other underwriting factors. Not all applicants will receive the lowest advertised rate.
Merchant cash advances are not loans and are structured as purchases of future business receivables. MCAs carry factor rates (not APR) typically ranging from 1.10x to 1.50x of the funded amount. Full cost-of-capital disclosures will be provided in your term sheet before signing.
You will receive a full and complete term sheet detailing all fees, costs, factor rates or interest rates, repayment schedule, and total cost of capital prior to executing any loan agreement. Do not sign any loan agreement without reviewing the full disclosure.
Pre-qualification and eligibility checks use soft credit inquiries which do not affect your credit score. A hard credit inquiry, which may affect your credit score, will be performed only with your explicit authorization prior to final underwriting and loan approval.
You certify that all information provided in any loan application is true, accurate, and complete to the best of your knowledge. Providing false, misleading, or fraudulent information in connection with a loan application is a federal crime under 18 U.S.C. § 1014 and may result in application denial, immediate loan recall, and referral to law enforcement authorities.
The specific terms and conditions governing any approved loan, including repayment schedule, interest rates, fees, prepayment provisions, default conditions, and remedies, will be set forth in the individual loan agreement executed at funding. In the event of a conflict between these Terms and a signed loan agreement, the loan agreement governs.
Prepayment policies vary by product. Some loan products include prepayment discounts; others may include prepayment fees. Your specific prepayment terms will be disclosed in your loan agreement before signing.
Failure to make scheduled payments may result in: reporting to credit bureaus, acceleration of the outstanding balance, referral to collections, legal action, and reporting to applicable regulatory agencies. We strongly encourage borrowers experiencing difficulty to contact us immediately at 480-579-1800 or info@premieraccessfunding.com before missing a payment.
Premier Access Funding is committed to fair, ethical, and non-discriminatory lending practices. We comply with the Equal Credit Opportunity Act (ECOA), which prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or other protected characteristics. All lending decisions are made based on creditworthiness, business performance, and other legitimate business factors.
If you believe you have been the victim of discriminatory lending practices, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the Federal Trade Commission (FTC).
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Site for the purpose of inquiring about and applying for our loan products. This license does not include the right to: scrape, copy, or redistribute any content; use our Site for any commercial purpose other than applying for our services; frame or mirror any portion of our Site; or use any automated tools to access our Site.
All content on this Site — including text, graphics, logos, images, audio, software, and data compilations — is the property of Premier Access Funding or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. Unauthorized use is strictly prohibited.
By providing your phone number and/or email address, you expressly consent to receive communications from Premier Access Funding and its authorized representatives via telephone (including automated and prerecorded calls), SMS text message, and email regarding your application, loan status, and related financial products. This consent is not a condition of receiving a loan. Standard message and data rates may apply. You may opt out at any time as described in our Privacy Policy.
Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over third-party sites and are not responsible for their content, privacy practices, or services. Accessing third-party links is at your own risk.
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
NOTHING ON THIS SITE CONSTITUTES LEGAL, FINANCIAL, TAX, OR INVESTMENT ADVICE. YOU SHOULD CONSULT QUALIFIED PROFESSIONALS BEFORE MAKING FINANCING DECISIONS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PREMIER ACCESS FUNDING, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT OF FEES PAID BY YOU TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).
You agree to indemnify, defend, and hold harmless Premier Access Funding and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of our Site or Services; (b) your violation of these Terms; (c) any false or inaccurate information you provided to us; or (d) any third-party claims arising from your actions.
These Terms are governed by the laws of the State of [State], without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our Services shall be resolved as follows:
Informal Resolution: Before initiating formal proceedings, you agree to contact us at info@premieraccessfunding.com to attempt informal resolution.
Binding Arbitration: Any dispute not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration shall take place in [City, State]. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.
Class Action Waiver: YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
Our Services are intended for businesses operating within the United States. Loan products may not be available in all states due to state licensing requirements and applicable law. We make no representation that our Services are appropriate or available in all jurisdictions.
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated effective date. Your continued use of our Site or Services following the posting of changes constitutes your acceptance of those changes. We encourage you to review these Terms periodically.
We reserve the right to terminate or restrict your access to our Site and Services at any time, with or without cause, and without prior notice. Sections 5.2, 8, 9, 10, and 11 survive termination of these Terms.
These Terms, together with our Privacy Policy and any executed loan agreement, constitute the entire agreement between you and Premier Access Funding regarding your use of the Site and Services and supersede all prior agreements and understandings.
Questions about these Terms should be directed to:
Quick Links: Privacy Policy | Apply for Funding | Contact Us
| Equal Opportunity Lender | This is not a commitment to lend. All loans subject to underwriting approval.