Terms And Conditions
Future Lending LLCEffective Date: November 28, 2025
1. Agreement to Terms
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Future Lending LLC (“Future Lending,” “Company,” “we,” “us,” or “our”), a Nevada limited liability company. These Terms govern your access to and use of our website, mobile applications, broker portal, and all related products and services (collectively, the “Services”).
By accessing or using the Services, submitting an application for financing, or otherwise engaging with Future Lending, you acknowledge that you have read, understood, and agree to be bound by these Terms.
If you do not agree to these Terms, you must discontinue use of the Services immediately. Your continued use of the Services following any updates to these Terms constitutes acceptance of the revised Terms.
2. Definitions
For purposes of these Terms:
“Applicant” means any individual or entity that submits a financing application through the Services.
“Borrower” means any individual or entity approved for and accepting financing through the Services.
“Broker” means a third party authorized by Future Lending to submit applications on behalf of potential borrowers.
“Funding Partner” means any lender, investor, financial institution, or other entity with whom Future Lending collaborates to provide, fund, or service financing products.
“Loan Agreement” means the separate written agreement between the Borrower and the applicable Funding Partner governing the specific financing terms.
“Services” means www.futurelendingllc.com, the broker portal, mobile applications, loan application processing, financing placement, and all related offerings.
3. Eligibility and User Representations
3.1 General Eligibility
To use the Services or apply for financing, you must:
Be at least eighteen (18) years old or the age of majority in your jurisdiction
Have legal capacity to enter binding contracts
Not be prohibited from using the Services under applicable law
Provide accurate, current, and complete information
3.2 User Representations and Warranties
By using the Services, you represent and warrant that:
All information you provide is true, accurate, and complete
You have the authority to act on behalf of any business entity you represent
You will promptly update any information that becomes inaccurate
You will not use the Services for unlawful purposes
You have reviewed and understand these Terms and our Privacy Policy
4. Application Process and No Guarantee of Financing
4.1 Application Submission
Submitting an application constitutes a request for financing consideration only. It does not guarantee approval, funding, or specific terms.
All financing decisions are made solely by the applicable Funding Partner in accordance with its underwriting criteria and applicable law.
4.2 Underwriting and Credit Decisions
Future Lending and its Funding Partners may evaluate your application using factors including:
Creditworthiness and credit history
Income and ability to repay
Collateral value
Business performance
Debt‑to‑income ratios
Identity verification
Any other relevant underwriting criteria
All credit decisions comply with the Equal Credit Opportunity Act (ECOA), Regulation B, and other fair lending laws.
4.3 Separate Loan Agreements
If approved, your financing terms will be governed by a separate Loan Agreement between you and the Funding Partner. In the event of a conflict between these Terms and the Loan Agreement, the Loan Agreement controls.
5. Information Sharing, Credit Reporting & Fair Credit Practices
5.1 Authorization to Share Information
By submitting an application, you authorize Future Lending and its Funding Partners to:
Obtain consumer reports and credit information
Verify identity and application details
Share application data with Funding Partners, investors, and service providers
Report account information (including payment history and defaults) to consumer reporting agencies
5.2 Fair Credit Reporting Act (FCRA) Compliance
Consumer reports are obtained and used only for permissible purposes under the FCRA.
If adverse action is taken based on a consumer report, you will receive an adverse action notice including:
The name and contact information of the reporting agency
A statement that the agency did not make the decision
Your right to obtain a free copy of the report
Your right to dispute inaccuracies
5.3 Equal Credit Opportunity
Future Lending and its Funding Partners do not discriminate on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age (if legally able to contract), receipt of public assistance income, or the exercise of rights under the Consumer Credit Protection Act.
6. Military Lending Act Protections
If you are a covered borrower under the Military Lending Act (MLA), you are entitled to protections, including:
A maximum Military Annual Percentage Rate (MAPR) of 36%
Prohibition of mandatory arbitration clauses
Prohibition of certain fees and terms deemed abusive
Clear oral and written disclosures of loan terms
These protections apply as required under 10 U.S.C. § 987 and 32 CFR Part 232.
7. Intellectual Property Rights
All content, trademarks, logos, software, and materials available through the Services are owned by Future Lending or its licensors. You may not copy, reproduce, distribute, or create derivative works without our express written consent.
8. Prohibited Activities
You agree not to:
Interfere with or disrupt the Services
Attempt unauthorized access to systems or data
Use the Services for fraudulent or unlawful purposes
Submit false or misleading information
Reverse engineer or modify any part of the Services
9. Electronic Communications & E‑SIGN Consent
By using the Services, you consent to receive disclosures, notices, and communications electronically. You agree that electronic signatures have the same legal effect as handwritten signatures.
10. Third‑Party Services
The Services may link to third‑party websites or tools. Future Lending is not responsible for third‑party content, privacy practices, or actions.
11. Termination
We may suspend or terminate your access to the Services at any time for:
Violations of these Terms
Fraud or suspected fraud
Failure to provide accurate information
Regulatory or legal requirements
Termination does not affect obligations under any Loan Agreement.
12. Disclaimer of Warranties
The Services are provided “as is” and “as available.” We make no warranties regarding:
Accuracy or completeness of information
Availability or reliability of the Services
Suitability of financing products
To the fullest extent permitted by law, we disclaim all implied warranties.
13. Limitation of Liability
To the maximum extent permitted by law, Future Lending is not liable for:
Indirect, incidental, punitive, or consequential damages
Loss of profits, data, or business opportunities
Errors, delays, or interruptions in the Services
Our total liability shall not exceed the amount paid by you for the Services, if any.
14. Indemnification
You agree to indemnify and hold harmless Future Lending, its officers, employees, and partners from any claims arising out of:
Your use of the Services
Your breach of these Terms
Your violation of applicable laws
15. Governing Law & Jurisdiction
These Terms are governed by the laws of the State of Nevada, without regard to conflict‑of‑law principles. Any disputes shall be resolved in the state or federal courts located in Nevada.
16. Dispute Resolution & Arbitration
Except where prohibited (including MLA‑covered borrowers), disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association (AAA). Arbitration replaces your right to go to court or participate in a class action.
17. Modifications to Terms
We may update these Terms at any time. Changes are effective upon posting. Continued use of the Services constitutes acceptance of the updated Terms.