Application & LOA Disclosures

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A transparent breakdown of your authorizations, our data handling protocols, and the underwriting process following your submission to Apex Funding Capital.

1. What you are authorizing

By submitting your file, you execute a dual-purpose authorization. The financial application authorizes our underwriting team to review your commercial banking and revenue data to secure working capital and consolidation offers. The Letter of Authorization (LOA) permits us to request historical billing and tariff data from your commercial utility provider.

2. Exactly what you consent to when you sign

  • Signer authority — you legally attest you have the authority to bind the business entity named in the application.
  • Financial data release — you authorize the review of your business banking statements and revenue history.
  • Historical usage release — you authorize your utility to release up to 24 months of usage and billing data.
  • TCPA consent — you consent to be contacted by phone, SMS, and email regarding your funding terms and energy analysis. You may opt out at any time.

3. How your signature is captured (ESIGN / UETA)

Your digital signature is captured and stored with a permanent, legally binding audit record in compliance with the U.S. ESIGN Act and UETA. Every executed file includes:

  • A unique envelope ID for the signing session
  • UTC timestamp and IP address tracking
  • Cryptographic fingerprinting of the signature image

4. What we do with your data

We utilize your data exclusively to: (a) underwrite working capital requests, (b) negotiate debt consolidation payoffs, (c) retrieve utility tariff data, and (d) solicit competitive term sheets from vetted institutional lenders and energy suppliers. We do NOT sell your data, and we do NOT switch your utility provider without separate written approval.

5. What happens after you submit

Confirmation: You receive instant confirmation of your submission.

Underwriting Review: Our analysts validate your financials and pull utility records within 24 hours.

Capital & Quote Solicitation: We route your file to our vetted lending and energy networks.

Offer Delivery: Within 24-48 hours, you receive actionable term sheets for working capital, consolidation, and utility savings.

Your Decision: You decide whether to proceed. No obligation.

6. Fees and compensation

There is zero upfront cost. For working capital and restructuring, our compensation is factored into the funding terms. For energy programs, we are compensated via a share of verified savings or a standard supplier fee.

7. Revoking your application or LOA

You may withdraw your funding application or revoke the utility LOA at any time prior to execution of final contracts by emailing us.

8. Questions

If any portion of this disclosure is unclear, please contact info@apexfundingcapital.com

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