Our lending partners, our compliance standards, and what you’re consenting to.

Insurance & Bonding

Required customer disclosures

1. 1

   Broker Status: Apex Funding Capital operates as a commercial finance brokerage and utility consulting firm. We are not a direct lender, direct bank, or retail utility provider.

2. 2

   B2B Commercial Exemption: Our financial products (Merchant Cash Advances, Business Lines of Credit, Debt Consolidation) are strictly business-to-business commercial transactions. They are not consumer loans and are not governed by consumer protection laws.

3. 3

   Compensation Structure: Apex is compensated by our lending network via commissions built into your funding terms, or by utility suppliers via a standard margin. You do not pay us separate out-of-pocket broker fees.

4. 4

   Scope of Authorization: Your signed application and LOA authorize us strictly to pull historical data and solicit competitive offers on your behalf.

5. 5

   Electronic Signatures (ESIGN): By signing electronically, you consent to conduct business via electronic means. Your digital footprint serves as a legally equivalent physical signature.

6. 6

   Zero Unauthorized Actions: We will never execute a funding contract, restructure debt, or switch your utility provider without your separate, final written authorization.

7. 7

   Third-Party Data Sharing: Your business data is shared exclusively with licensed lenders and participating suppliers for the sole purpose of producing term sheets. We do not sell your data.

8. 8

   Right to Inquire: You may request detailed information regarding our partner network or file an inquiry by contacting our compliance team.

Federal & Market Compliance