Terms of Service

Please read these Terms of Service ("Terms") carefully before using Green River Lenders's services. By accessing our website or applying for funding, you agree to be bound by these Terms.

1. Acceptance of Terms

By submitting an application, using our website, or engaging with our services, you agree to these Terms, our Privacy Policy, and all applicable laws and regulations.

2. Services Offered

Green River Lenders provides business funding solutions including merchant cash advances, lines of credit, and short-term business loans. We are not a traditional bank or credit union. All funding is subject to approval based on business performance and eligibility criteria.

3. Eligibility

To apply for funding, you must:

• Be at least 18 years of age
• Have legal authority to enter into binding contracts
• Operate a legitimate business in the United States
• Have been in business for at least 3 months
• Generate minimum monthly revenue of $10,000
• Provide accurate and truthful information

4. Application Process

When you submit an application:

• You authorize us to verify information provided
• You consent to credit and background checks (soft inquiry only during initial review)
• You authorize us to contact you via phone, email, or SMS (if opted in)
• You understand that submitting an application does not guarantee approval

5. Representations and Warranties

By applying for funding, you represent and warrant that:

• All information provided is accurate, complete, and truthful
• You have the authority to bind your business to agreements
• Your business is in good standing and legally compliant
• There are no pending bankruptcies or legal judgments against your business
• You will use funds for legitimate business purposes only

6. Pricing and Fees

All funding costs will be clearly disclosed before you accept any offer. We use factor rates rather than interest rates for most products. There are no hidden fees. The total cost of funding includes all fees and charges.

7. Repayment Terms

Repayment terms vary by product and are specified in your funding agreement. You agree to:

• Authorize automatic debits from your business bank account
• Maintain sufficient funds for scheduled payments
• Notify us immediately of any changes to your banking information
• Not close your business bank account during the repayment period

8. Default and Remedies

You will be in default if you:

• Fail to make required payments
• Provide false or misleading information
• File for bankruptcy
• Breach any term of your funding agreement

In the event of default, we reserve the right to pursue all legal remedies available, including collection efforts and reporting to credit bureaus.

9. Website Use

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Transmit viruses or malicious code
• Violate any applicable laws or regulations

10. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Green River Lenders or our licensors and is protected by copyright and trademark laws.

11. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee uninterrupted access to our website or services.

12. Limitation of Liability

To the fullest extent permitted by law, Green River Lenders shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website.

13. Indemnification

You agree to indemnify and hold harmless Green River Lenders from any claims, damages, or expenses arising from your breach of these Terms or violation of any law or rights of a third party.

14. Governing Law

These Terms are governed by the laws of the United States and the state in which our principal office is located, without regard to conflict of law principles.

15. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting an updated version on our website. Continued use of our services constitutes acceptance of revised Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. Contact Information

For questions about these Terms, please contact us through our secure contact form.

• Hours: Monday-Friday, 8:00 AM - 8:00 PM EST