Terms of Service

Commercial Intent Only

Our platform provides financing solutions exclusively for commercial, business, and corporate entities. We do not offer consumer credit, personal residential mortgages, or consumer-purpose retail loans.

Authorized Signing Authority

• You are at least 18 years old.
• You possess the legal authority to act on behalf of and bind your business or corporate entity.
• You have the authority to enter into applicable financial brokerage agreements on behalf of the business.

Geography

Our Services are restricted to validly registered businesses operating within the United States and Canada.

Trifecta Business Group operates as an independent commercial loan broker and matching platform that connects applicants with third-party funding sources.

No Offer to Lend

Trifecta Business Group is not a direct bank, depository institution, or direct corporate lender. We do not extend credit directly, issue lines of credit, guarantee loan approval, or guarantee that an applicant will receive funding. Submitting an application does not guarantee that financing will be offered or approved.

Independent Lending Decisions

Final financing decisions are made independently by the applicable lender. Loan terms, interest rates, collateral requirements, repayment structures, and other funding conditions are controlled exclusively by the underwriting policies of the independent lender providing the financing.

You are solely responsible for ensuring that all information submitted through our platform is accurate, complete, and truthful. By using our Services, you agree that:

• All uploaded bank records, revenue information, and tax documents are authentic and unaltered.
• All business and financial information provided is accurate to the best of your knowledge.
• You will not intentionally provide fraudulent financial information or falsified business details.
• You will not intentionally conceal active defaults or other material financial obligations.

Providing intentionally fraudulent financial information, falsified business descriptions, or concealing material financial information may constitute a breach of these Terms and may violate applicable federal, state, provincial, or other laws.

Free for Applicants

Our application, website calculators, and financing requests are free for business applicants. We do not charge application fees, evaluation fees, or upfront broker fees.

Lender Commissions

Trifecta Business Group is compensated by commissions paid directly by our lending partners after a transaction closes and funds.

Referral Partner Compensation

Eligible non-bank referral partners with a signed agreement may earn referral compensation on funded deals as set out in that agreement. We do not charge partners seat fees, subscription fees, or processing fees. Bank employees are not eligible for referral fees, commissions, gifts, or any compensation.

The Services and their underlying components are the exclusive intellectual property of Trifecta Business Group or its applicable licensors. This includes website architecture, visual components and designs, source code, embedded financial calculators, proprietary matching algorithms, databases, and brand assets.

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use our website and Services for the purpose of evaluating and securing commercial financing. You may not, without prior written permission:

• Copy or reproduce our code or proprietary systems
• Reverse-engineer our database mechanisms
• Republish or redistribute proprietary website components
• Attempt to access or extract restricted data
• Use our intellectual property for competing commercial purposes

Trademarks. Trifecta Business Group™, Trifecta Translate-IQ™, Capital Pulse™, the Small Business Capital Index™, the Economic Roll-Up Index™ (ERI™), and The Breakthrough Process™ are trademarks of Trifecta Business Group. You may not use these marks, or confusingly similar names, without our prior written permission.

Automated access and scraping. Except for recognized search-engine indexing that follows our robots.txt rules, you may not, directly or through any third party:

• Use bots, crawlers, scrapers, headless browsers, or other automated tools to access, copy, or harvest content, calculators, tables, rates, or index data
• Reverse-engineer, decompile, or replicate the logic of our calculators, Translate-IQ™ diagnostic, Capital Index methodology, or funding-desk routing framework
• Frame, mirror, or republish our pages, articles, or tools outside the official embed codes we provide
• Use our content to train, fine-tune, or feed machine-learning or AI models without written permission
• Circumvent rate limits, access controls, or other technical protections

Approved embeds. Calculators and the Capital Index card may be shared only through the official embed codes on our Embed Calculators page, with the 'Powered by Trifecta Business Group' credit left intact. We may revoke embed permission at any time. Violations may result in blocked access and legal action to the fullest extent permitted by law.

To the maximum extent permitted by applicable law in the United States and Canada, Trifecta Business Group and its officers, employees, agents, affiliates, and service providers shall not be held liable for indirect, incidental, special, consequential, or similar damages arising from or related to your use of the Services. This includes damages or losses resulting from:

• Loan Application Decisions — the denial, rejection, modification, or withdrawal of a business loan application by any lender within our network.
• System Availability — system downtime, scheduled maintenance, technical outages, network interruptions, or delays that may affect an active loan application or deadline.
• Market Conditions — changes in financial markets, interest rates, lender policies, or other market conditions that cause loan terms, pricing, or funding structures to change during a transaction.

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, United States, without giving effect to its conflict-of-law principles.

Any legal dispute, controversy, or claim arising out of or relating to your use of our commercial brokering Services or these Terms shall be resolved through final and binding arbitration on an individual basis within the Commonwealth of Virginia, to the extent permitted by applicable law. By agreeing to these Terms, you waive any right to participate in a class action or class-wide arbitration, to the extent such waiver is legally enforceable.

If you have questions, concerns, or notices regarding these Terms of Service, please contact us at Trifecta Business Group, support@trifectabusinessgroup.com.