Terms and Conditions

Last Updated: November 4, 2025

Introduction

These Terms and Conditions (“Terms,” “Agreement”) govern your use of the Sprint Funding website located at https://sprintfunding.com (the “Site”) and the services provided by Sprint Funding (“Sprint Funding,” “we,” “us,” or “our”).

Business Information:
Sprint Funding
5256 S Mission Rd Suite 1006
Bonsall, CA 92003
NMLS ID: 348300
Phone: 760-849-4475
Email: info@sprintfunding.com

By accessing or using our Site, applying for funding, or using our services, you (“User,” “you,” or “your”) agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our Site or services.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES.

1. Acceptance of Terms

1.1 Binding Agreement

By accessing the Site, creating an account, submitting a funding application, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

1.2 Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Be a legal resident or citizen of the United States
• Own or be an authorized representative of a business operating in the United States
• Not be prohibited from using our services under applicable laws
• Provide accurate and complete information

If you are accessing the Site or services on behalf of a business or legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

1.3 Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated “Last Updated” date. Your continued use of the Site or services after changes are posted constitutes your acceptance of the modified Terms.

We recommend that you review these Terms periodically. Material changes may be communicated via email or prominent notice on the Site.

2. Description of Services

2.1 Funding Services

Sprint Funding is a financial services company that provides business funding solutions, including but not limited to:

• Business term loans
• Working capital advances
• Merchant cash advances
• Lines of credit
• Equipment financing
• Invoice factoring
• Revenue-based financing
• Other commercial financing products

2.2 Intermediary Role

Sprint Funding may act as an intermediary connecting businesses with funding partners, lenders, and investors. We may also provide funding directly or facilitate funding arrangements with third-party lenders.

2.3 No Guarantee of Approval

Submitting an application does not guarantee approval for funding. All applications are subject to underwriting review, credit evaluation, and approval criteria. We reserve the right to deny any application at our sole discretion.

2.4 Service Availability

Services are provided subject to availability and may not be available in all states or jurisdictions. We reserve the right to:

• Limit or deny service to any person or business
• Modify or discontinue any service at any time
• Change eligibility requirements
• Refuse or cancel applications

3. Application and Account Creation

3.1 Account Registration

To apply for funding, you must create an account by providing:

• Contact information (name, email, phone number)
• Business information (business name, EIN, address, industry)
• Financial information (revenue, time in business)
• Any other information we request

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Using strong passwords and secure access methods
• Notifying us immediately of any unauthorized access or security breach

We recommend using passwords with at least 12 characters, including uppercase, lowercase, numbers, and special characters.

3.3 Account Accuracy

You agree to:

• Provide true, accurate, current, and complete information
• Update your information promptly when it changes
• Not impersonate any person or entity
• Not create multiple accounts without authorization
• Not allow others to use your account

Providing false, misleading, or fraudulent information may result in denial of services, account termination, and legal action.

3.4 Account Termination

We may suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false or misleading information
• Non-payment or default on funding obligations
• Any reason at our sole discretion

4. Funding Terms and Conditions

4.1 Funding Applications

When you submit a funding application, you:

• Authorize us to obtain credit reports and background checks
• Consent to verification of information with third parties
• Authorize us to contact you via phone, email, SMS, or mail
• Understand that application submission is not a commitment to provide funding
• Acknowledge that we may share your application with funding partners

4.2 Underwriting and Approval

Our underwriting process considers multiple factors including:

• Credit history and credit scores
• Business financial performance
• Time in business
• Industry and business type
• Debt-to-income ratios
• Cash flow analysis
• Collateral (if applicable)
• Other relevant business metrics

Approval criteria may vary by product and are subject to change.

4.3 Funding Agreements

If approved for funding, you will receive a formal funding agreement (“Funding Agreement”) that includes:

• Funding amount
• Repayment terms and schedule
• Annual Percentage Rate (APR) or factor rate
• Fees and charges
• Payment method
• Default provisions
• Other material terms

You are not obligated to accept funding. You must review and electronically sign the Funding Agreement before funds are disbursed.

4.4 Fees and Charges

Fees may include but are not limited to:

• Origination fees
• Processing fees
• Administrative fees
• Late payment fees
• Returned payment fees
• Prepayment penalties (if applicable)

All fees will be clearly disclosed in your Funding Agreement before you sign.

4.5 Truth in Lending Disclosures

As required by federal and state law, we will provide you with all required disclosures, including:

• APR (Annual Percentage Rate)
• Finance charges
• Total amount financed
• Total payments
• Payment schedule

These disclosures will be provided before you enter into any funding agreement.

4.6 Repayment Terms

Repayment terms vary by product and may include:

• Fixed payments: Scheduled payments of principal and interest
• ACH withdrawals: Automated daily, weekly, or monthly payments
• Revenue-based: Percentage of daily or weekly sales
• Receivables purchase: Payments based on collected invoices

You authorize us or our servicing agents to debit your bank account according to the payment schedule in your Funding Agreement.

4.7 Prepayment

Some funding products may allow prepayment without penalty, while others may include prepayment fees. Prepayment terms will be specified in your Funding Agreement.

4.8 Default and Remedies

You will be in default if you:

• Fail to make payments as scheduled
• Provide false or fraudulent information
• Declare bankruptcy
• Breach any provision of your Funding Agreement
• Cease business operations

Default remedies may include:

• Acceleration of all amounts due
• Collection activities
• Reporting to credit bureaus
• Legal action to recover amounts owed
• Recovery of attorney fees and collection costs
• Exercise of security interests (if applicable)

4.9 Personal Guarantees

Business funding may require a personal guarantee from business owners. By providing a personal guarantee, you agree to be personally liable for repayment of the funding obligation.

5. Use of the Site

5.1 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for lawful purposes in accordance with these Terms. This license does not include:

• Resale or commercial use of the Site or its content
• Collection or use of product listings, descriptions, or prices
• Derivative use of the Site or its content
• Downloading or copying of account information for the benefit of another party
• Use of data mining, robots, or similar data gathering tools

5.2 Prohibited Uses

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Violate any applicable laws, regulations, or ordinances
• Infringe upon intellectual property rights
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Site or servers
• Use automated systems (bots, scrapers) without permission
• Impersonate any person or entity
• Collect or harvest information about users
• Submit fraudulent or false information
• Engage in any activity that could damage our reputation
• Circumvent security features or access controls

5.3 User Content

If you submit content to our Site (reviews, feedback, suggestions, etc.), you grant us a non-exclusive, worldwide, royalty-free, perpetual, transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content.

You represent and warrant that you own or have rights to any content you submit and that such content does not violate any third-party rights or applicable laws.

6. Intellectual Property Rights

6.1 Ownership

All content on the Site, including text, graphics, logos, images, software, trademarks, service marks, and other materials (collectively “Content”), is owned by Sprint Funding or its licensors and is protected by copyright, trademark, patent, and other intellectual property laws.

6.2 Trademarks

“Sprint Funding” and related logos, trademarks, and service marks are the property of Sprint Funding. You may not use these marks without our prior written permission.

6.3 Restrictions

You may not:

• Copy, reproduce, distribute, or create derivative works from our Content
• Reverse engineer, decompile, or disassemble any software
• Remove or modify any copyright, trademark, or proprietary notices
• Use our Content for commercial purposes without permission
• Frame or mirror any part of the Site
• Use metatags or hidden text utilizing our trademarks

6.4 DMCA Notice

If you believe that content on our Site infringes your copyright, please provide our designated agent with:

• Electronic or physical signature of the copyright owner
• Description of the copyrighted work claimed to be infringed
• Location of the infringing material
• Your contact information
• Statement of good faith belief that use is unauthorized
• Statement that the information is accurate and you are authorized to act

DMCA Agent:
Sprint Funding, Attn: Legal Department
5256 S Mission Rd Suite 1006
Bonsall, CA 92003
Email: info@sprintfunding.com

7. Third-Party Services and Links

7.1 Third-Party Links

Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by Sprint Funding. We are not responsible for:

• The content, privacy policies, or practices of third-party sites
• Any damages or losses resulting from your use of third-party sites
• The accuracy or reliability of third-party information

7.2 Third-Party Service Providers

We work with third-party service providers to facilitate our services, including:

• Lending partners and funding sources
• Payment processors
• Credit bureaus
• Identity verification services
• Collection agencies

These third parties may have their own terms and conditions. We are not responsible for their actions or failures.

7.3 No Endorsement

Links to third-party sites do not constitute an endorsement by Sprint Funding. We encourage you to review the terms and privacy policies of any third-party sites you visit.

8. Communications

8.1 Electronic Communications

By using our services, you consent to receive communications from us electronically, including:

• Email messages
• SMS/text messages
• Phone calls
• Push notifications
• Notices posted on the Site

You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

8.2 Consent to Contact

By providing your phone number, you expressly consent to receive calls and text messages from Sprint Funding, our affiliates, and third-party partners regarding your account, applications, and marketing offers. This includes calls using automated dialing systems and prerecorded messages.

You may opt out of marketing communications at any time by:

• Clicking “unsubscribe” in emails
• Replying “STOP” to text messages
• Contacting us at info@sprintfunding.com
• Updating your communication preferences in your account

Note: You cannot opt out of transactional communications related to your account or funding obligations.

8.3 Telephone Consumer Protection Act (TCPA)

By providing your telephone number, you agree that Sprint Funding may contact you at that number using automated telephone dialing systems, artificial or prerecorded voices, and/or SMS text messages. Your consent is not a condition of receiving any services from us, but may limit our ability to contact you.

9. Privacy and Data Protection

9.1 Privacy Policy

Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, available at https://sprintfunding.com/privacy-policy. By using our services, you consent to our privacy practices as described in the Privacy Policy.

9.2 Credit Reporting

We may report information about your account and payment history to credit bureaus. Late payments, missed payments, or other defaults may be reflected in your credit report.

9.3 Information Sharing

As described in our Privacy Policy, we may share your information with:

• Funding partners and lenders
• Service providers and vendors
• Credit bureaus and reporting agencies
• Government agencies and law enforcement (as required by law)
• Other parties with your consent

10. Disclaimers and Warranties

10.1 “AS IS” Basis

THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION
• CORRECTION OF DEFECTS
• FREEDOM FROM VIRUSES OR HARMFUL COMPONENTS

10.2 No Financial Advice

The information on our Site is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals regarding your specific situation.

10.3 No Guarantee of Funding

We do not guarantee approval for funding, specific funding amounts, or particular terms. All funding is subject to underwriting approval and acceptance of a Funding Agreement.

10.4 Third-Party Content

We are not responsible for the accuracy, completeness, or reliability of any third-party content, information, or materials accessed through the Site.

10.5 Jurisdiction Specific Disclaimers

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, some of the above exclusions may not apply to you.

11. Limitation of Liability

11.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SPRINT FUNDING, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR USE
• LOSS OF OR DAMAGE TO BUSINESS, REPUTATION, OR GOODWILL
• BUSINESS INTERRUPTION
• COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES

ARISING OUT OF OR RELATING TO:

• Your use or inability to use the Site or services
• Any transaction or funding agreement
• Unauthorized access to or alteration of your data
• Third-party conduct or content
• Any other matter relating to the Site or services

11.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF:

• THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR
• $100.00

11.3 Essential Purpose

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

11.4 Basis of the Bargain

You acknowledge that the limitations of liability in this section reflect the allocation of risk between the parties. The limitations will apply even if any limited remedy fails of its essential purpose.

12. Indemnification

12.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless Sprint Funding, its affiliates, officers, directors, employees, agents, suppliers, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from or relating to:

• Your use or misuse of the Site or services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights, including intellectual property, privacy, or other proprietary rights
• Any fraudulent or false information you provide
• Your funding obligations and agreements
• Any content you submit or transmit through the Site

12.2 Defense and Settlement

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. You may not settle any claim without our prior written consent.

13. Dispute Resolution

13.1 Governing Law

These Terms and any disputes arising out of or relating to these Terms or the services shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Federal laws of the United States also apply where applicable.

13.2 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the services (including disputes about the validity, scope, or enforceability of this arbitration agreement) shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Arbitration Procedures:

• The arbitration shall be conducted by a single arbitrator
• The arbitration shall take place in San Diego County, California, or at another mutually agreed location
• The arbitrator’s decision shall be final and binding
• Judgment on the arbitration award may be entered in any court with jurisdiction
• Each party shall bear its own costs and attorney fees unless the arbitrator awards costs and fees to the prevailing party

Exceptions to Arbitration:

The following disputes are not subject to arbitration:

• Claims in small claims court (within jurisdictional limits)
• Claims for injunctive or equitable relief to protect intellectual property rights
• Collection actions for amounts owed under a Funding Agreement

13.3 Class Action Waiver

YOU AND SPRINT FUNDING AGREE THAT ANY PROCEEDINGS TO RESOLVE DISPUTES WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

You and Sprint Funding agree to waive any right to:

• Participate in a class action lawsuit
• Participate in a class-wide arbitration
• Participate in any consolidated or representative proceeding

13.4 Jury Trial Waiver

YOU AND SPRINT FUNDING WAIVE ANY RIGHT TO A JURY TRIAL in any litigation arising out of or relating to these Terms or the services.

13.5 Venue and Jurisdiction

If arbitration does not apply or is unenforceable, you agree that any legal action or proceeding shall be brought exclusively in the federal or state courts located in San Diego County, California. You consent to the personal jurisdiction and venue of these courts and waive any objection to such jurisdiction or venue.

13.6 Limitation on Time to File Claims

Any claim or cause of action arising out of or relating to these Terms or the services must be filed within one (1) year after the claim or cause of action arises. After one year, such claim or cause of action is permanently barred.

14. General Provisions

14.1 Entire Agreement

These Terms, together with the Privacy Policy and any Funding Agreement you enter into, constitute the entire agreement between you and Sprint Funding regarding the Site and services, and supersede all prior agreements, understandings, and communications.

14.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision shall be effective only if in writing and signed by an authorized representative of Sprint Funding.

14.4 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction.

Any attempted assignment in violation of this provision is void.

14.5 Relationship of Parties

Nothing in these Terms creates any partnership, joint venture, agency, franchise, sales representative, or employment relationship between you and Sprint Funding. You have no authority to make or accept any offers or representations on our behalf.

14.6 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to causes beyond our reasonable control, including:

• Acts of God (natural disasters, fires, floods)
• War, terrorism, or civil unrest
• Government actions or regulations
• Labor disputes or strikes
• Telecommunications or internet failures
• Power outages or equipment failures
• Pandemics or public health emergencies

14.7 Survival

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to: ownership provisions, warranty disclaimers, indemnification, limitations of liability, and dispute resolution provisions.

14.8 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

14.9 No Third-Party Beneficiaries

These Terms are for the benefit of Sprint Funding and you, and are not intended to confer any rights or benefits on any third party, except as expressly provided herein.

14.10 Electronic Signatures

You agree that electronic signatures, contracts, orders, and other records, and electronic delivery of notices, policies, and records of transactions initiated or completed through the Site will be legally binding and enforceable, equivalent to written signatures and paper records.

15. State-Specific Provisions

15.1 California Residents

If you are a California resident, you may have these Terms mailed to you by sending a letter to the address provided in Section 17 below.

Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice:

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

15.2 Other States

Additional state-specific terms, licensing information, and regulatory notices may apply and will be provided as required by law.

16. Regulatory Information

16.1 NMLS Information

Sprint Funding is licensed and regulated under various state and federal laws.

NMLS ID: 348300

You can verify our licensing status at: https://www.nmlsconsumeraccess.org

16.2 Equal Credit Opportunity Act

We comply with the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income derives from public assistance programs.

16.3 Fair Credit Reporting Act

We may obtain credit reports and other information about you from credit bureaus and other third parties as permitted by the Fair Credit Reporting Act (FCRA).

16.4 USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or applies for funding.

When you apply for funding, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

17. Contact Information

If you have questions about these Terms or need assistance, please contact us:

Sprint Funding
5256 S Mission Rd Suite 1006
Bonsall, CA 92003

Phone: 760-849-4475
Email: info@sprintfunding.com
Website: https://sprintfunding.com
Contact Form: https://sprintfunding.com/contact 

Business Hours:
Monday – Friday: 9:00 AM – 5:00 PM Pacific Time
Saturday – Sunday: Closed

18. Acknowledgment

BY USING THE SITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

If you do not agree to these Terms, you must immediately discontinue use of the Site and services.

Effective Date: November 4, 2025

© 2025 Sprint Funding. All rights reserved.