Terms & Conditions

These Terms and Conditions ("Terms") govern your use of the Pinnacle Funding Solutions LLC website and any services we provide. By accessing this website or submitting a loan inquiry, you agree to be bound by these Terms. If you do not agree, please do not use this website.

We may update these Terms from time to time. Changes take effect when posted to this page. Your continued use of the site after changes are posted constitutes acceptance of the updated Terms.

1. About Our Services

Pinnacle Funding Solutions LLC is a commercial and business loan brokerage. Our role is to:

• Review your financing needs and match you with potential lenders from our network.
• Assist with packaging and presenting your loan request to lenders.
• Guide you through the lending process from initial inquiry to closing.

We are a broker, not a lender. We do not originate, fund, underwrite, or service any loans. All lending decisions are made solely by the lenders in our network. Our services are limited to the brokerage and facilitation of loan introductions.

2. No Guarantee of Loan Approval

Submitting an inquiry, completing an application, or engaging with our services does not guarantee that you will receive a loan offer, that any specific loan terms will be available, or that any lender will approve your request. Loan approval is entirely at the discretion of the individual lender and depends on factors including, but not limited to, your creditworthiness, business financials, collateral, and the lender's underwriting guidelines.

We make no representations or warranties — expressed or implied — regarding the likelihood of loan approval, the interest rate you may receive, or the availability of any particular loan product.

3. Use of This Website

By using this website, you agree to:

• Provide accurate, complete, and truthful information when submitting any form, application, or inquiry.
• Use the website only for lawful purposes and in accordance with these Terms.
• Not attempt to interfere with, disrupt, or damage the website, its servers, or any connected systems.
• Not use the website to transmit unsolicited commercial communications or engage in any fraudulent activity.
• Not reproduce, duplicate, copy, or exploit any portion of the website's content for commercial purposes without our express written permission.

We reserve the right to restrict or terminate access to this website for any user who violates these Terms or engages in conduct we determine, at our sole discretion, to be harmful or inappropriate.

4. Accuracy of Information

The information on this website — including loan product descriptions, estimated rates, and program details — is provided for general informational purposes only and is subject to change without notice. It does not constitute a binding commitment, term sheet, or offer to lend. Actual loan terms will be determined by the applicable lender.

While we make reasonable efforts to keep content current and accurate, we do not warrant that all information on this website is complete, error-free, or up to date at all times.

5. Your Responsibilities

You are responsible for:

• Ensuring that all information you provide to us or to any lender is truthful and accurate. Providing false or misleading information may constitute loan fraud, which is a serious legal violation.
• Reviewing any loan offers, term sheets, or agreements provided by lenders before accepting them. We strongly recommend consulting with a qualified financial advisor or attorney before signing any financing agreement.
• Understanding and meeting the requirements of any lender you work with through our introductions.
• Maintaining the confidentiality of any login credentials or account information if applicable portals are made available to you.

6. Fees

Pinnacle Funding Solutions LLC charges no upfront fees to borrowers for its brokerage services. Broker compensation, if any, is typically paid by the lender at closing or as otherwise disclosed in writing prior to any transaction. Any fees associated with your specific loan — such as appraisal fees, origination fees, or closing costs — are set by the lender, not by us, and will be disclosed to you as part of the loan process.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and the overall design — is the property of Pinnacle Funding Solutions LLC or its content licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any website content without our prior written consent.

8. Third-Party Links

This website may contain links to third-party websites, lender portals, or external resources. These links are provided for your convenience only. We have no control over the content or practices of third-party sites and are not responsible for any information, products, or services they offer. Visiting a linked site is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Pinnacle Funding Solutions LLC, its owners, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of, or inability to use, this website or our services.
• Any loan denial, loan terms, or lender decisions resulting from introductions we facilitated.
• Any errors or omissions in the information provided on this website.
• Any unauthorized access to or use of our servers or any personal information stored therein.

Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount of any fees, if any, you paid directly to Pinnacle Funding Solutions LLC in connection with the specific matter giving rise to the claim.

10. Disclaimer of Warranties

This website and all services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Indemnification

You agree to indemnify, defend, and hold harmless Pinnacle Funding Solutions LLC and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of this website, your violation of these Terms, or your provision of inaccurate or fraudulent information.

12. Governing Law & Dispute Resolution

These Terms and any disputes arising out of or relating to your use of this website or our services shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles.

Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Knox County, Tennessee. You hereby consent to the personal jurisdiction and venue of such courts.

We encourage you to contact us directly before pursuing any legal action — most concerns can be resolved quickly and amicably.

13. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and all remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Pinnacle Funding Solutions LLC regarding your use of this website and supersede any prior agreements or understandings, whether written or oral, relating to the same subject matter.

15. Contact Us

If you have any questions about these Terms and Conditions, please reach out to us: