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Terms & Conditions

Last updated: June 12, 2026

PLEASE READ THESE TERMS & CONDITIONS CAREFULLY BEFORE USING THIS SITE OR SUBMITTING INFORMATION.

These Terms & Conditions (“Terms”) govern your access to and use of versatilfinancial.com, including any related webpages, forms, applications, uploads, communications, content, and services provided by Versatil Financial LLC (“Versatil Financial,” “we,” “us,” or “our”) through the website (collectively, the “Site” and “Services”).

By accessing the Site, submitting a form, uploading documents, communicating with us, clicking “Submit,” “Agree,” or a similar button, or using our Services, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy.

If you do not agree, do not use the Site, submit information, or use the Services.

1. About Versatil Financial

Versatil Financial provides business financing brokerage, referral, documentation support, readiness support, and general business financing education for small-business owners.

Versatil Financial is not a bank, lender, creditor, loan originator, underwriter, servicer, or funding provider. We do not make credit decisions, issue approvals, fund transactions, service accounts, or control the underwriting criteria, terms, pricing, fees, disclosures, or decisions of any third-party lender, funder, broker, or financing provider.

Any financing product, offer, approval, denial, rate, term, repayment amount, fee, condition, disclosure, agreement, funding decision, or underwriting requirement is determined solely by the applicable third-party provider.

2. Business-Purpose Use Only

The Site and Services are intended for business-purpose financing inquiries only.

By using the Site or submitting information, you represent that any financing request is for business purposes and not for personal, family, or household purposes.

You must be at least 18 years old and authorized to submit information on behalf of the business identified in your inquiry.

3. No Guarantee of Approval, Funding, or Terms

Submitting a form, uploading documents, speaking with Versatil Financial, receiving a preliminary review, or being referred to a third-party provider does not guarantee:

  • Approval.
  • Funding.
  • A financing offer.
  • Specific rates, fees, terms, or repayment amounts.
  • Consolidation.
  • Savings.
  • Eligibility.
  • A particular funding timeline.
  • A particular product type.
  • Acceptance by any lender, funder, broker, or provider.

Any examples, ranges, estimates, timelines, or descriptions on the Site are for general informational purposes only and may vary based on business performance, bank activity, revenue, debt load, credit profile, industry, documentation, state, underwriting review, fraud screening, lender/funder criteria, and verification of information.

4. Accuracy of Information and Documents

You agree to provide true, accurate, complete, current, and non-misleading information and documents.

You must not submit false, altered, incomplete, fraudulent, misleading, or unauthorized documents or information.

You understand that lenders, funders, brokers, providers, processors, and verification services may independently review, verify, validate, or reject information and documents.

False, misleading, incomplete, altered, or fraudulent information may result in denial, withdrawal of an offer, termination of review, cancellation of a transaction, reporting of suspected fraud, and/or the applicable third party exercising any rights or remedies available under its agreements, policies, and applicable law.

You are responsible for ensuring that any documents, images, statements, uploads, or materials you submit are lawful, accurate, authorized, and do not violate the rights of any person or entity.

5. Authorization to Collect, Use, and Share Information

By submitting information or documents, you authorize Versatil Financial to collect, receive, review, process, store, transmit, and share the information and documents you provide as reasonably necessary to provide the Services, evaluate your inquiry, organize your file, communicate with you, refer your request, support underwriting review, verify information, prevent fraud, maintain records, and comply with applicable obligations.

You authorize Versatil Financial to share information with independent third-party lenders, funders, brokers, financing providers, processors, underwriters, service providers, technology vendors, professional advisors, and compliance providers as described in our Privacy Policy and as reasonably connected to your inquiry or requested Services.

Third-party providers have their own privacy practices, eligibility criteria, underwriting rules, fees, agreements, disclosures, and security practices. You should review all third-party disclosures, terms, and agreements before proceeding.

6. Credit Reports and Verification

Versatil Financial does not obtain a consumer credit report unless permitted by law and authorized where required.

If a lender, funder, broker, or provider requires a credit report, bank verification, identity verification, fraud prevention check, UCC/lien search, background check, or other due diligence, you may be asked to provide additional authorization or documents.

Third-party providers are responsible for their own underwriting, verification, and compliance processes.

7. No Upfront Broker Fees Charged by Versatil Financial

Versatil Financial does not charge business owners upfront fees, advance fees, application fees, processing fees, or broker fees for commercial financing broker services before a financing transaction closes.

Any fees, costs, deductions, origination charges, underwriting charges, credit check fees, appraisal fees, due diligence fees, filing fees, or other charges required by a third-party lender, funder, broker, provider, or independent service provider are determined solely by that third party and should be reviewed directly in the applicable written disclosures, agreements, invoices, or closing documents.

You should not pay any fee unless you understand who is charging it, why it is being charged, whether it is refundable, and whether it is required to proceed.

8. No Legal, Tax, Accounting, Credit Repair, or Investment Advice

The Site and Services are provided for general business information, financing support, brokerage, referral, readiness, and educational purposes.

Versatil Financial does not provide legal, tax, accounting, credit repair, investment, or financial advisory services.

You should consult your own attorney, CPA, tax advisor, accountant, financial advisor, or other professional before signing financing agreements, making major financial decisions, relying on tax or legal interpretations, or restructuring business obligations.

9. Communications Consent

By providing your contact information, you authorize Versatil Financial and its representatives to contact you about your inquiry, documents, appointments, application status, next steps, or requested Services by phone, email, SMS/text message, or other electronic means.

Informational or service-related communications may include appointment reminders, document requests, verification requests, application updates, and next-step instructions.

Marketing calls or texts require separate consent where required by law. Marketing consent is not required to submit an inquiry or request Services.

You may opt out of SMS/text messages at any time by replying STOP, CANCEL, UNSUBSCRIBE, END, or QUIT, or by contacting us at info@versatilfinancial.com. You may unsubscribe from marketing emails by using the unsubscribe link or contacting us.

10. Electronic Records and Signatures

You consent to receive communications, disclosures, notices, records, and documents electronically where permitted by law.

If electronic signature or electronic records are used, you agree that your electronic signature, checkbox selection, typed name, click acceptance, or similar electronic action may have the same legal effect as a handwritten signature where permitted by law.

Certain transactions or documents may require separate electronic signature consent or additional disclosures.

11. Third-Party Providers and Links

The Site may contain links or referrals to third-party websites, lenders, funders, brokers, providers, platforms, tools, or resources.

Versatil Financial does not control and is not responsible for third-party websites, services, underwriting decisions, disclosures, offers, agreements, privacy practices, security practices, fees, acts, omissions, or representations.

Your interactions with third parties are governed by their own terms, agreements, disclosures, and privacy policies.

12. Website Content and Intellectual Property

All content on the Site, including text, graphics, logos, design elements, trademarks, service marks, images, videos, downloads, forms, tools, and other materials, is owned by Versatil Financial or used with permission, unless otherwise stated.

You may not copy, reproduce, distribute, modify, display, sell, license, scrape, or exploit Site content without prior written permission from Versatil Financial, except as permitted by law.

13. User Content and Submitted Materials

If you submit documents, messages, uploads, images, files, business information, or other materials, you retain ownership of your materials, but grant Versatil Financial a limited right to use, process, store, transmit, reproduce, and share them as reasonably necessary to provide the Services, evaluate your inquiry, refer your request, comply with obligations, and operate our business.

You represent that you have the right and authority to submit all materials you provide and that your materials do not violate any law, agreement, privacy right, publicity right, intellectual property right, contract right, or other right of any person or entity.

14. Prohibited Uses

You agree not to:

  • Submit false, misleading, altered, fraudulent, or unauthorized information.
  • Impersonate another person or business.
  • Submit documents you are not authorized to provide.
  • Use the Site for unlawful, abusive, fraudulent, or deceptive purposes.
  • Attempt to gain unauthorized access to the Site, systems, accounts, data, or networks.
  • Interfere with Site security or functionality.
  • Upload malicious code, viruses, malware, or harmful files.
  • Scrape, crawl, reverse engineer, or misuse the Site.
  • Use the Site to violate any applicable law, regulation, or third-party right.

We may suspend, restrict, or terminate access to the Site or Services if we believe these Terms have been violated or if continued use creates risk to Versatil Financial, our customers, partners, service providers, or third parties.

15. Availability, Errors, and Changes

We may modify, suspend, or discontinue the Site or Services at any time without notice.

We do not guarantee that the Site will be uninterrupted, error-free, secure, or available at all times.

Information on the Site may contain errors, omissions, outdated information, or typographical mistakes. We may update content at any time, but we are not obligated to update all information.

16. Disclaimers

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

VERSATIL FINANCIAL DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND RELIABILITY.

VERSATIL FINANCIAL DOES NOT WARRANT OR GUARANTEE ANY FINANCING OUTCOME, APPROVAL, OFFER, RATE, TERM, SAVINGS, CONSOLIDATION, FUNDING TIMELINE, OR THIRD-PARTY PERFORMANCE.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VERSATIL FINANCIAL LLC, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AFFILIATES, SERVICE PROVIDERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOSS OF DATA, BUSINESS INTERRUPTION, DENIAL OF FINANCING, LOSS OF OPPORTUNITY, OR THIRD-PARTY ACTIONS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VERSATIL FINANCIAL’S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SITE OR SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID DIRECTLY TO VERSATIL FINANCIAL FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM, OR $100 IF NO AMOUNT WAS PAID.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

18. Indemnification

You agree to defend, indemnify, and hold harmless Versatil Financial LLC, its owners, officers, employees, contractors, representatives, affiliates, service providers, and agents from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

  • Your use of the Site or Services.
  • Information, documents, or materials you submit.
  • Your violation of these Terms.
  • Your violation of any law or third-party right.
  • Any false, misleading, altered, unauthorized, or fraudulent information provided by you or on your behalf.

19. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Any dispute arising out of or related to the Site or Services will be handled in the appropriate state or federal courts located in Florida, unless otherwise required by applicable law or a separate written agreement.

20. Changes to These Terms

We may update these Terms from time to time. The “Last updated” date reflects the most recent version.

Your continued use of the Site or Services after updated Terms are posted means you accept the updated Terms.

If you do not agree to the updated Terms, stop using the Site and Services.

21. Contact Us

Versatil Financial LLC
6470 Coolidge Street, Hollywood, FL 33024
Email: info@versatilfinancial.com
Phone: (877) 735-4183