Disclosures

1. Quick Loans Direct Is Not a Lender

Quick Loans Direct is a marketing lead generator and is NOT a lender, broker, or financial institution. We do not make loans, advances, or credit decisions. We do not charge borrowers any fees. Quick Loans Direct operates as a marketing and lead generation service that connects business owners with third-party lending partners who may offer financing products. Any loan or financing product you receive is made solely by a third-party lender, and all terms, conditions, rates, and fees are determined exclusively by that lender.

2. No Guarantee of Loan Approval

Submitting an application or inquiry through QuickLoansDirect.com does not guarantee that you will be approved for a loan, receive any offers, or be matched with a lender. Approval decisions are made solely by third-party lending partners based on their own underwriting criteria, which may include your credit history, business financials, time in business, industry, and other factors. Quick Loans Direct makes no representations or warranties regarding the likelihood of approval, funding amounts, or timeline.

3. Rates, Terms, and APR Disclosure

Rates, terms, and conditions vary by lender and are based on each lender's independent assessment of your creditworthiness and business profile. Quick Loans Direct does not set, negotiate, or guarantee any interest rate, annual percentage rate (APR), factor rate, repayment schedule, or fee.

APR for business financing products available through our lending partners may range from approximately 5.99% to 150%+ depending on the product type, lender, borrower qualifications, loan amount, and repayment term. Merchant cash advances and revenue-based financing products may use factor rates rather than APR, and actual costs may vary significantly based on repayment speed and other factors.

Any rates, amounts, or terms displayed on the QuickLoansDirect.com website are for illustrative and informational purposes only and do not constitute an offer to lend or a guarantee of specific terms. Your actual rate and terms will be determined by the lender at the time of application and approval.

4. Not an Offer or Solicitation to Lend

Nothing on QuickLoansDirect.com constitutes an offer to make a loan, an offer to buy or sell any financial product, or a solicitation of an offer to buy or sell any financial product. All content on this website is provided for general informational purposes only and should not be construed as financial, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.

5. Third-Party Lender Relationships

Quick Loans Direct maintains business relationships with a network of third-party lending partners. We may receive compensation from lending partners when a successful referral or funded transaction occurs. This compensation does not increase the cost to you. The lending partners in our network are independent entities, and Quick Loans Direct does not control, endorse, or guarantee their products, services, practices, or policies.

Once your information is shared with a lending partner, that partner's own terms of service, privacy policy, and lending agreements will govern your relationship with them. We encourage you to carefully review all terms and conditions presented by any lender before accepting a financing offer.

6. Equal Opportunity Statement

Quick Loans Direct and its lending partners are committed to equal opportunity lending. Credit decisions are made without regard to race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), receipt of income from any public assistance program, or the exercise in good faith of any right under the Consumer Credit Protection Act.

7. State-Specific Lending Disclosures

California

Loans made or arranged pursuant to a California Financing Law license. If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Financing Law. California borrowers may contact the Department of Financial Protection and Innovation (DFPI) at 1-866-275-2677 with complaints regarding their lender.

New York

If you are a New York resident, you may be subject to certain protections under New York lending laws. New York commercial financing providers are required to provide specific disclosures regarding the terms of financing, including the finance charge, APR, and total repayment amount. New York borrowers may contact the New York State Department of Financial Services at 1-800-342-3736 with complaints.

Utah

If you are a Utah resident, you may contact the Utah Department of Financial Institutions at 801-538-8830 for questions regarding your financing.

Virginia

Virginia residents should be aware that certain commercial financing products may be subject to the Virginia Commercial Financing Disclosure requirements. Lenders operating in Virginia may be required to provide additional disclosures regarding financing terms.

Other States

Lending laws vary by state. Some states impose additional disclosure requirements, rate caps, or licensing requirements on commercial lenders. Your lending partner will comply with all applicable state laws and provide any required state-specific disclosures before funding. Not all products are available in all states.

8. Telephone Consumer Protection Act (TCPA) Consent

By submitting your information through QuickLoansDirect.com, you provide your express written consent to be contacted by Quick Loans Direct, its affiliates, and its lending partners by telephone (including calls made using an automatic telephone dialing system or prerecorded/artificial voice), text message (SMS/MMS), and email at the phone number(s) and email address(es) you provided, including any wireless number.

You understand that your consent is not a condition of purchasing any goods or services. Message and data rates may apply. Message frequency varies. You may opt out of text messages at any time by replying STOP. You may opt out of phone calls by informing the caller or by contacting us at info@quickloansdirect.com.

9. Electronic Communications Consent

By using QuickLoansDirect.com and submitting an application, you consent to receive electronic communications from Quick Loans Direct and its lending partners, including but not limited to emails, text messages, and online notifications related to your application, funding options, account information, and marketing offers. You agree that any notices, disclosures, agreements, or other communications provided to you electronically satisfy any legal requirement that such communications be in writing.

10. Credit Inquiry Disclosure

Quick Loans Direct may perform a soft credit inquiry (also known as a soft pull) in connection with your application to help match you with appropriate lending partners. A soft inquiry does not affect your credit score and is not visible to other creditors.

If you choose to proceed with a specific lender's offer, that lender may perform a hard credit inquiry as part of their underwriting process. A hard inquiry may have a temporary, minor impact on your credit score. You will be notified before any hard credit inquiry is conducted, and it will only occur with your authorization.

11. Data Sharing with Lending Partners

By submitting an application through QuickLoansDirect.com, you expressly consent to the sharing of your personal and business information — including but not limited to your name, contact information, Social Security Number (if provided), business financials, and credit information — with one or more third-party lending partners in our network for the purpose of evaluating your application and presenting you with funding offers.

Your information may also be shared with service providers who assist us in operating our platform, including CRM systems, analytics tools, and communication services. For full details on how we handle your data, please review our Privacy Policy.

12. Advertising Disclaimer

All content on QuickLoansDirect.com, including testimonials, case studies, funding amounts, and approval statistics, is for illustrative and marketing purposes only. Individual results may vary. Past performance is not indicative of future results. Testimonials represent individual experiences and do not guarantee similar outcomes. Funding amounts, approval rates, and timelines referenced on this website are based on aggregate data and are not guaranteed for any individual applicant.

13. Contact Us

If you have any questions about these disclosures, please contact us at: