Terms of Use
These terms govern your use of termlantern.com, operated by TermLantern. By using the site or submitting a request, you agree to them.
What we do
TermLantern helps business owners understand and request working-capital products, including merchant cash advances (a purchase of future receivables, not a loan), revenue-based financing, equipment financing and business lines of credit, from its network of funding partners. TermLantern is not a bank. Products described on this site are offered by funding partners under their own agreements and underwriting.
No guarantee of approval or terms
Submitting a request is not an application for a specific product and does not guarantee an offer, an amount, a rate or a factor rate. Any figures on this site are illustrative. The terms that apply to you are only those written in an agreement you sign with a funding partner. Read every agreement before you sign it.
Your information
You confirm that the information and documents you provide are accurate and that you are authorized to provide them for your business. Our Privacy Policy describes how we handle them.
When you submit a request you agree to the following authorization: By submitting, you authorize TermLantern and its exclusive network of funding partners to obtain and review your business and personal credit, bank and processing statements, and related information from the sources you provide and from third parties, for the purpose of evaluating funding options for your business. You agree that TermLantern may share your application with its funding partners and marketing partners for that purpose, and that you may be contacted by phone, text, or email about your request.
Communications
You agree that we and our funding partners may contact you about your request by phone, text or email, as described in the Privacy Policy. You can withdraw consent at any time.
Educational content
Guides and articles on this site are general information, not legal, tax or financial advice for your situation. Talk to a licensed professional before acting on them.
Acceptable use
Do not use this site to submit false information, to impersonate anyone, to scrape or interfere with it, or for any unlawful purpose.
Intellectual property
The TermLantern name, logo and the content of this site belong to TermLantern or its licensors. You may read and share links; you may not copy, republish or frame the content without permission.
Disclaimers and limits
The site is provided "as is". To the extent permitted by law, TermLantern disclaims warranties of any kind and is not liable for indirect, incidental or consequential damages arising from use of the site or from any agreement you enter with a funding partner.
Governing law and changes
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. We may update these terms; continued use after a change means you accept it. Questions: email team@termlantern.com.