Terms of Service

1. Acceptance of Terms

Alta Business Loans is a doing-business-as name of ShelfRank Services LLC. By accessing this website, using its tools, or submitting an application, inquiry, or other information, you agree to these Terms of Service and our Privacy Policy and Disclosures.

If you do not agree with these terms, do not use the website or submit information through our forms.

2. Our Business Role

Alta Business Loans operates as a commercial finance brokerage, not a direct lender. We review information submitted by business owners and may help identify financing programs that may align with a business profile, stated goals, and available underwriting criteria.

Alta Business Loans does not make final credit decisions, establish underwriting standards, approve financing, fund transactions, or directly provide loan proceeds unless expressly disclosed in writing.

3. Eligibility and Permitted Use

You must be at least 18 years old and legally authorized to act for the business represented in any application or inquiry. You agree to provide accurate, current, and complete information and to update material information when necessary.

You may not misuse the website, interfere with its operation, attempt unauthorized access, submit fraudulent or misleading information, or use the website for an unlawful purpose.

4. Information You Submit

By submitting information, you authorize Alta Business Loans to review the information and communicate with you about your inquiry, application, financing options, documentation, or related service matters.

Information may be shared with independent funding providers and service providers when reasonably necessary to evaluate or administer a request, operate the website, provide security or analytics services, maintain records, or comply with law.

5. Financing and Pre-Qualification

Submitting an application or inquiry is an initial request for review. It is not a commitment to lend, an approval, or an offer of a specific financing product, amount, rate, fee, repayment period, or term.

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. A soft inquiry generally does not affect a personal credit score, while a hard inquiry may affect it.

6. Independent Funding Providers

Funding providers independently determine eligibility, approval, rates, fees, repayment terms, documentation requirements, collateral requirements, and funding availability under their own underwriting standards.

Any financing agreement is between the applicant and the applicable funding provider. Alta Business Loans is not responsible for a provider’s final decision, product performance, servicing practices, or conduct.

Alta Business Loans may receive compensation from a funding provider or service provider when a transaction is completed. Compensation may vary by provider, product, transaction structure, and other factors.

7. Website Content, Calculators, and Educational Materials

Website content, calculators, examples, estimated timelines, articles, guides, and general descriptions are provided for informational and educational purposes only. They do not represent guaranteed rates, payments, approval outcomes, financing terms, or availability.

Information on this website is not legal, tax, accounting, investment, or financial advice. Business owners should independently evaluate financing documents and consult qualified professional advisers when appropriate.

8. Disclaimers, No Guarantees, and Limitation of Liability

The website and its content are provided on an “as available” and “as is” basis to the fullest extent permitted by law. Alta Business Loans does not guarantee uninterrupted access, error-free operation, financing approval, funding, a specific rate, a specific term, a particular product, or any business outcome.

To the fullest extent permitted by applicable law, Alta Business Loans and ShelfRank Services LLC will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website, reliance on website content, or interactions with independent providers.

Nothing in these terms excludes liability that cannot lawfully be excluded or limited.

9. Changes to These Terms

We may update these terms 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. Continued use of the website after revised terms are posted constitutes acceptance of the updated terms.

10. Contact Us

Contact Alta Business Loans with questions about these terms or an existing financing inquiry.