Terms of Use

1. Acceptance

By accessing or using this website you agree to these Terms of Use. If you do not agree, please do not use the site.

2. Nothing here is an offer

All content on this site is provided for general information about the commercial financing products Access Premium Capital arranges. Nothing on this site constitutes an offer, commitment, or guarantee to provide funding on any terms. Funding amounts, repayment terms, rates, factor rates and fees shown are maximums or typical figures. The terms that apply to your business are established solely in a signed funding agreement following review of your application.

3. Business purposes only

The products described here are commercial financing for business purposes only. They are not consumer loans and are not available for personal, family or household purposes. They are not subject to the protections that apply to consumer lending products.

4. Merchant cash advances

A merchant cash advance is the purchase of a fixed amount of future receivables at a discount. It is not a loan, it does not carry an interest rate or annual percentage rate, and it has no fixed maturity date. Duration varies with your sales volume.

5. SBA programs

SBA loans are issued by participating lenders under programs administered by the U.S. Small Business Administration and are subject to SBA eligibility requirements and program rules. Access Premium Capital is not affiliated with, endorsed by, or an agency or instrumentality of the U.S. Small Business Administration or any other government body.

6. Not professional advice

Content on this site is not legal, tax, accounting or financial advice. Consult your own advisors before entering into any financing arrangement.

7. Your responsibilities

• Information you submit must be accurate, current and complete, and you must be authorized to submit it on behalf of the business named.
• You may not use this site unlawfully, attempt to gain unauthorized access to it, or interfere with its operation or security.
• You may not use automated means to scrape, harvest or copy content from this site.

8. Intellectual property

The content, design, text and graphics on this site are owned by Access Premium Capital or its licensors and are protected by applicable intellectual property law. You may view and print pages for your own business purposes; any other reproduction or distribution requires our written permission.

9. Third-party links

Links to third-party sites are provided for convenience. We do not control and are not responsible for their content, availability or privacy practices.

10. Disclaimer and limitation of liability

This site is provided “as is” and “as available” without warranties of any kind, express or implied, to the fullest extent permitted by law. To the fullest extent permitted by law, Access Premium Capital is not liable for any indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, this site.

11. Equal opportunity

We conduct our business in accordance with applicable federal and state law, including the Equal Credit Opportunity Act, which prohibits discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), or because all or part of the applicant’s income derives from a public assistance program.

12. Governing law

These terms are governed by the laws of the State of New York, without regard to its conflict of laws principles. Any dispute arising out of them is subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York.

13. Changes

We may update these terms. The revised version takes effect when posted on this page.

14. Contact

Access Premium Capital, 55 Water St, Wall Street, New York, NY 10038. Email info@accesspremiumcapital.com.