Terms of Use

These Terms of Use govern access to and use of octobercapitalfunding.com, the information made available on the website, contact forms, business financing request forms, document-upload features, and related website services operated by OCTOBER CAPITAL FUNDING LLC. By using the website, you agree to these Terms to the extent applicable to your use.

If you submit a financing request on behalf of a business, you also represent that you have authority to provide the submitted business information and to act for the business in connection with the request. If you do not agree with these Terms, do not submit an application or use the website in a manner that requires acceptance of them.

You must be at least 18 years old, have legal capacity to use the website, and be authorized to act for the business identified in any submitted request. The website is intended for legitimate commercial and business financing purposes.

Do not use the website to seek personal, family, or household financing. Do not submit another person's information without authority, and do not submit a business application using false ownership, identity, revenue, or document information.

October Capital Funding may use reasonable intake rules to determine whether an online request falls within the commercial financing services we currently handle. We may stop, defer, or route a request to manual review when information indicates that the request is personal-purpose, materially incomplete, inconsistent, abusive, automated, fraudulent, outside currently supported financing categories, or otherwise unsuitable for online processing.

The application does not require an applicant to choose the final financing product. A financing preference may be provided for context, but October Capital Funding may discuss a different structure or provider program based on the business profile, requested amount, provider availability, and information obtained later in the process. A requested amount that exceeds a displayed product range does not by itself prevent submission of the application.

Website screening is not underwriting, a credit decision, or a promise of eligibility. Independent financing providers apply their own current criteria and can request additional information, offer a different structure, or decline a transaction.

October Capital Funding helps business owners understand common commercial financing categories, organize an initial request, communicate supporting information, and connect potentially eligible requests with independent financing providers or commercial finance partners.

Our role can vary by request and provider. We may discuss product categories, collect documents, request clarification, facilitate a referral, or help coordinate follow-up. Independent providers apply their own underwriting criteria and determine whether they will present a financing option.

Website content, program descriptions, example ranges, calculators, educational materials, emails, telephone discussions, and initial application steps are provided for general commercial-financing purposes. They do not create a binding commitment to provide financing.

Submitting an application does not guarantee approval, a provider match, a particular amount, rate, fee, payment amount, term, total cost, closing date, or funding timeline. An actual financing option exists only if an independent provider communicates the option under its applicable process and provides the required transaction documents.

You agree to provide information that is accurate, complete, and not intentionally misleading to the best of your knowledge. You must be authorized to provide all business records and documents submitted through the website.

Business circumstances can change during a financing review. If material information changes, including revenue, ownership, business status, existing obligations, or the intended use of funds, you should provide updated information when reasonably requested. A provider may independently verify information and may decline a request if required information cannot be verified.

When you provide the application authorization presented on the website, you authorize October Capital Funding to review and process the submitted information and to disclose relevant information and supporting documents to financing providers and service providers when reasonably necessary to evaluate, verify, administer, or respond to the commercial financing request.

The authorization does not mean that every provider will receive every application. We may consider product fit, program availability, business profile, geography, documentation, and other factors when deciding which provider relationships may be relevant.

The standard website consent is not intended to operate as a blanket authorization for October Capital Funding or every possible provider to obtain a personal consumer credit report. If a provider or process requires a personal credit report, bank verification, or other sensitive verification, additional authorization may be presented separately as required by the applicable process and law.

You should review any credit authorization before accepting it and understand which organization is requesting the information and for what purpose. Provider-specific authorizations may be governed by the provider's own application terms and privacy notice.

The application requests supporting commercial documents based on the information entered. The current checklist generally includes recent business bank statements and a voided business check, can request processing statements for a receivables-based preference, and can offer additional financial-statement fields for larger requests. Provider requirements may differ, and additional documents may be requested after submission.

Documents are uploaded individually to private Vercel Blob storage as temporary staging files and then delivered with the application through authenticated Hostinger Email SMTP. The current secure upload workflow limits each individual file to 3.5 MB and the combined active document package to 15 MB. The website may assign each attachment a distinct application-based filename so documents remain identifiable even when original filenames are the same.

Do not submit online-banking usernames or passwords, one-time authentication codes, debit-card PINs, CVV values, or security-question answers through this website or ordinary email. If a provider requires Social Security number, date of birth, government identification, credit authorization, or similar sensitive identity information, use the secure process specified for that request.

You are responsible for confirming that documents submitted on behalf of a business may lawfully be shared for the financing purpose described in the application.

The financing request may ask you to type your name and affirm that the typed name is intended as your electronic signature. When you do so and submit the application, we may record the typed name, submission date and time, application reference, consent versions, and technical submission information as part of the application record.

This electronic signature applies to the October Capital Funding website request and the authorizations presented with it. It does not by itself execute a later financing-provider agreement, credit authorization, guaranty, or other provider-specific contract. A financing provider may require its own application, disclosures, consent, or e-signature process.

If an independent financing provider presents an option, the provider's written offer, transaction disclosures, and financing agreement control the actual transaction. Website descriptions and conversations with October Capital Funding do not replace or modify the provider's written documents.

Before accepting financing, review the amount actually delivered, total cost or repayment, payment or remittance frequency, term or estimated duration, fees, collateral, liens, guaranties, reconciliation rights where applicable, prepayment provisions, default remedies, and other material terms. Ask questions before signing a document you do not understand.

October Capital Funding may receive compensation from a financing provider, referral partner, or other commercial party in connection with a referral, application, or completed transaction. Compensation may vary by provider, product, transaction size, or contractual arrangement.

October Capital Funding does not solicit an advance broker fee from a business through this website. A provider or independent third party may have legitimate charges associated with a commercial transaction, such as appraisal, filing, closing, legal, verification, or similar costs. Any such charge should be reviewed in the applicable written documents and verified before payment.

By submitting contact information in connection with a financing request, you agree that we may use that information to communicate about the request, documents, clarification, provider follow-up, status, and other service-related matters through reasonable channels such as telephone and email.

These Terms do not by themselves create consent for unrelated automated promotional text messages where separate consent is legally required. If an optional marketing communication program is introduced, the applicable consent and opt-out information will be presented separately.

Our Privacy Policy describes how information submitted through the website may be collected, used, disclosed, protected, and retained. The Privacy Policy is incorporated into these Terms by reference for purposes of website use.

Financing providers and other third parties may maintain their own privacy notices and data-handling practices. Review those notices before providing information directly to a third party.

The website may rely on or link to third-party services, financing providers, government resources, form processors, document portals, or other external websites. We do not control their availability, security, content, privacy practices, or contractual terms.

A link does not by itself mean that October Capital Funding owns, controls, or endorses every statement made on the destination website. Verify the destination before submitting sensitive information.

You may not use the website to commit fraud, impersonate another person, submit false or unauthorized applications, introduce malicious software, interfere with website operation, attempt unauthorized access, scrape or harvest information in a manner that violates law or rights, infringe intellectual property, or misuse documents or personal information.

We may limit or terminate access to website features when reasonably necessary to address fraud, abuse, spam, repeated automated submissions, disposable-email abuse, security risks, unlawful activity, or technical harm. We do not publish every anti-abuse rule or threshold because doing so could make those controls easier to bypass.

Unless otherwise identified, the website's original text, layout, design elements, graphics, branding, and related materials are owned by or licensed to October Capital Funding and are protected by applicable intellectual-property laws.

Third-party names, trademarks, program names, government marks, and provider materials remain the property of their respective owners. References to a financing category or third party do not transfer ownership of third-party intellectual property to October Capital Funding.

Website information is intended to explain general commercial-financing concepts and the October Capital Funding process. It is not legal, tax, accounting, investment, or other professional advice tailored to a specific business.

Businesses should consult qualified professional advisers when a financing decision has material legal, tax, accounting, ownership, or investment consequences.

We may modify, suspend, replace, or discontinue website content or functionality from time to time. We do not guarantee that the website, a particular financing program, or a third-party service will always be available without interruption.

Program information may become outdated as providers change guidelines. We may update descriptions and ranges when we become aware of changes, but the provider's current written terms remain the controlling source for a specific transaction.

To the fullest extent permitted by applicable law, the website and its general informational content are provided on an "as available" and "as is" basis without warranties that the website will be uninterrupted, error-free, or suitable for every financing purpose.

Nothing in these Terms is intended to disclaim a warranty, duty, or remedy that cannot lawfully be disclaimed under applicable law.

To the fullest extent permitted by applicable law, October Capital Funding will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising solely from use of the website or reliance on general website information, including lost opportunities or profits, where such limitation is legally enforceable.

This section does not limit liability that applicable law does not permit to be limited, and it does not alter obligations that arise under a separate written agreement expressly entered into by October Capital Funding.

To the extent permitted by law, you agree to be responsible for losses, claims, or expenses arising from your intentional misuse of the website, fraudulent or unauthorized submissions, violation of these Terms, or infringement of another person's rights. This provision is not intended to impose responsibility that cannot lawfully be imposed.

These Terms are governed by the laws of the State of Florida, without giving effect to conflict-of-law rules that would require application of another jurisdiction's law, except where federal or other applicable law controls.

Subject to applicable jurisdictional requirements, disputes concerning these Terms or website use may be brought in a court of competent jurisdiction serving Palm Beach County, Florida. These Terms do not create a mandatory arbitration requirement or class-action waiver.

If a provision of these Terms is found unenforceable, the remaining provisions will remain in effect to the extent permitted by law. A failure to enforce a provision on one occasion does not necessarily waive the right to enforce it later. Headings are included for readability and do not limit the meaning of the text.

You may not assign rights arising from website use in a manner that would impose additional obligations on October Capital Funding without our consent. We may assign website-related rights and obligations in connection with a permitted business transaction, reorganization, or transfer.

We may update these Terms to reflect changes in the website, business process, service providers, financing relationships, or applicable legal requirements. The current version will display its effective and last-updated date.

Questions about these Terms may be directed to OCTOBER CAPITAL FUNDING LLC at finance@octobercapitalfunding.com, by telephone at (321) 230-8183, or by mail at 7259 Norwich Lane, Boynton Beach, FL 33436.