1. Scope and Business Role
Alta Business Loans is a doing-business-as name of ShelfRank Services LLC and operates as a commercial finance brokerage, not a direct lender. We help business owners explore financing programs that may be available through independent funding providers.
Each funding provider independently determines eligibility, approval, rates, terms, documentation requirements, and funding availability under its own underwriting standards.
2. Information We Collect
We may collect information that you voluntarily provide through our application, contact form, email, or other direct communications, including:
- Applicant information: name, business email, phone number, role, and ownership percentage.
- Business information: legal name, trade name, entity type, industry, location, start date, employee count, website, and business checking-account status.
- Financing information: requested amount, financing purpose, desired timing, product interest, revenue, deposits, estimated credit range, existing obligations, and related business circumstances.
- Communications: questions, messages, documents, and other information you choose to provide.
- Website information: browser, device, IP address, pages viewed, referral source, and similar technical or usage information collected through essential security, analytics, or performance tools.
3. How We Use Information
We may use information to:
- review and respond to financing inquiries;
- evaluate business needs and identify potentially relevant financing programs;
- communicate about an application or existing inquiry;
- maintain, secure, troubleshoot, and improve our website and forms;
- prevent fraud, abuse, unauthorized activity, and automated submissions;
- maintain business records and comply with applicable legal obligations; and
- send service-related communications or other communications you have requested or authorized.
5. Credit Information and Pre-Qualification
The initial Alta Business Loans pre-qualification process is intended to use a soft credit inquiry when a credit inquiry is required at that stage. A funding provider may later request authorization for a hard credit inquiry or additional verification before making a final credit decision.
Any additional credit authorization should be disclosed before it occurs. Submitting information does not guarantee approval, funding, rates, terms, or a particular financing product.
6. Cookies, Analytics, and Security Technology
Our website may use cookies, local storage, analytics, fraud-prevention tools, and similar technologies to operate forms, maintain security, understand general website performance, and improve the user experience.
Browser settings may allow you to limit certain cookies. Disabling essential technologies may affect website or form functionality.
7. Data Security and Retention
We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, misuse, alteration, or loss. No internet transmission or storage system can be guaranteed to be completely secure.
We retain information only for as long as reasonably necessary for the purposes described in this policy, including responding to requests, maintaining records, preventing fraud, resolving disputes, and meeting legal or contractual obligations.
8. Your Choices and Privacy Rights
You may ask to access, correct, or delete personal information that we maintain about you, or request that we stop nonessential follow-up communications. We may need to verify your identity before completing a request.
Depending on your location and the law that applies, you may have additional rights concerning access, correction, deletion, restriction, portability, objection, or information about certain disclosures. We will evaluate verified requests in accordance with applicable law.
To submit a privacy request, email [email protected] with the subject line Privacy Request.
9. Children’s Privacy
Our services are intended for business owners and authorized business representatives. They are not directed to children, and we do not knowingly collect personal information from anyone under 18 through our financing forms.
10. Changes to This Policy
We may update this policy to reflect changes in our services, technology, business practices, or legal obligations. The effective date at the top of this page identifies the current version.
11. Contact Us
Contact Alta Business Loans with questions or requests concerning this policy or your information.
Atlanta, GA 30350