Terms of Use.

Acceptance of these terms

By accessing or using aicashadvance.com (the “site”), submitting a funding request, or using any of the tools, you agree to these Terms of Use and to our Privacy Policy. If you are using the site on behalf of a business, you represent that you are authorized to accept these terms for that business. If you do not agree, do not use the site.

What this site is, and what we are

AI Cash Advance (“AI Cash Advance,” “we,” “us”) has helped U.S. business owners find funding since 2019. The site is an informational and lead-generation service: it explains funding options, provides educational tools, and lets you submit a request so a specialist can help you find funding.

Products we may help you pursue through our funding partners include merchant cash advances, business lines of credit, SBA 7(a) loans, traditional and reverse consolidation, and credit improvement. A merchant cash advance is a purchase of your future receivables, not a loan. Lines of credit and SBA 7(a) loans are loan products offered by the funders that provide them.

The tools provide estimates, not offers

The calculators and tools on this site, such as the MCA cost calculator and the factor-rate converter, are provided for education and comparison only. They generate estimates from the numbers you enter, computed in your browser.

• The results are not offers, not approvals, and not commitments to fund.
• The results do not bind AI Cash Advance or any funding partner.
• Actual products, amounts, rates, fees, and terms are determined solely by third-party funders after their own underwriting and documentation.

We work to keep the tools accurate, and we publish the method behind them in how we calculate true APR. Even so, the outputs are estimates and may differ from any real offer you receive.

How an advance is priced, factor rate, not APR

A merchant cash advance is priced with a factor rate, a flat multiplier, because it is a purchase of future receivables and not a loan. It does not carry an interest rate or an APR.

Where a tool on this site displays an APR figure for an advance, that number is an APR-equivalent, an estimate for comparison only, not a contractual APR. We show it solely so you can weigh an advance against loan products that are quoted as an APR. Business lines of credit and SBA 7(a) loans are loans and do carry an APR, which is set by the funder offering them.

No guarantee of funding or terms

We cannot and do not promise that you will be approved or funded, or that you will receive any particular amount, rate, or terms. Funding decisions are made by third-party funders based on their own criteria, and not all applicants will qualify. Common eligibility factors include time in business and business revenue; for example, many of the products in our network look for a business that has been operating for at least six months. Submitting a request, qualifying with us, or seeing an estimate does not create any obligation to fund.

To start a request, we do not pull your credit. A hard credit inquiry may occur later, at the funder stage, if you choose to proceed with a specific offer and that funder requests one. Any such inquiry is performed by the funder under its own disclosures.

Not legal, tax, or financial advice

The content, tools, and guides on this site are general information. They are not legal, tax, accounting, or financial advice, and they do not account for your specific situation. You should consult your own qualified advisors before making a funding decision. Reading this site does not create an advisory or fiduciary relationship between you and AI Cash Advance.

Your responsibilities

When you use the site or submit a request, you agree that:

• The information you provide is accurate, current, and your own, or that you are authorized to provide it.
• You are a business owner or an authorized representative of a business seeking commercial funding, and you are at least 18 years old.
• You will review any funder's documents, pricing, and disclosures carefully before signing anything with that funder.

Acceptable use

You agree not to misuse the site. In particular, you agree not to:

• Submit false, misleading, or fraudulent information, or impersonate another person or business.
• Use the site for any unlawful purpose or in violation of these terms.
• Attempt to access areas of the site you are not authorized to use, or to disrupt, overload, or interfere with the site or its security.
• Scrape, copy, or harvest content or data from the site by automated means without our written permission.
• Introduce malware or attempt to reverse-engineer the site or its tools.

We may suspend or restrict access to anyone who misuses the site, without notice.

Contact consent

When you submit a funding request or give us your phone number, you authorize AI Cash Advance and the funding partners we connect you with to contact you by phone call, text message (SMS), and email about your request and related funding options, including calls or texts sent using automated technology where applicable. Consent to receive marketing calls or texts is not a condition of obtaining funding. Message and data rates may apply. You can reply STOP to any text to opt out of texts, or contact us to opt out of calls and emails. See our Privacy Policy for details.

Intellectual property

The site, including its text, design, graphics, tools, and code, is owned by AI Cash Advance or its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, revocable license to use the site for its intended purpose. You may not copy, reproduce, distribute, or create derivative works from the site or its tools without our written permission, except as allowed by these terms.

Third-party links and funders

The site may link to third-party websites and works with third-party funding partners. We do not control those parties and are not responsible for their content, products, pricing, decisions, or privacy and data practices. Any funding you obtain is a transaction between you and the funder, governed by that funder's own agreement and disclosures. Your dealings with a funder are solely between you and that funder.

Disclaimer of warranties

The site and the tools are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the site will be uninterrupted, error-free, or secure, or that the estimates produced by the tools will match any actual offer. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, AI Cash Advance and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, revenues, data, or business opportunities, arising out of or relating to your use of the site, the tools, or any funding you do or do not obtain, even if we have been advised of the possibility of such damages. To the extent any liability cannot be excluded, our total liability for any claim relating to the site will not exceed one hundred U.S. dollars (US $100). Some jurisdictions do not allow certain limitations, so some of these limits may not apply to you.

Indemnification

You agree to indemnify and hold harmless AI Cash Advance and its owners, employees, and agents from any claims, losses, liabilities, and expenses, including reasonable attorneys' fees, arising out of your misuse of the site, your violation of these terms, or your violation of any law or the rights of a third party.

Governing law and disputes

These terms are governed by the laws of the State of [governing-law state], without regard to its conflict-of-laws rules, and you agree that any dispute relating to the site or these terms will be brought in the state or federal courts located in [venue], to the extent permitted by law.

Changes to these terms

We may update these terms from time to time. When we do, we will revise the “Last updated” date above. Changes take effect when posted. Your continued use of the site after a change means you accept the revised terms. If you do not agree with a change, stop using the site.

Common questions

Is AI Cash Advance a lender?

No. AI Cash Advance is a funding broker, not a lender or a direct funder. We take your request, qualify it, and submit or refer it to third-party funding partners and lenders who decide whether to make an offer.

Are the calculator results an offer of funding?

No. The tools provide estimates for comparison and education only. They are not offers, not approvals, and not commitments to fund. Actual products, amounts, and terms are set by third-party funders after underwriting.

Is the APR shown by the tools a real APR?

Any APR figure shown is an APR-equivalent, an estimate for comparison only, not a contractual APR. A merchant cash advance is a purchase of future receivables priced by a factor rate, not a loan, and has no APR. Lines of credit and SBA 7(a) loans are loans and do carry an APR set by the funder.

Do you guarantee funding?

No. We cannot promise that you will be funded or quote final terms. Funding decisions, amounts, and pricing are made by third-party funders based on their own underwriting, and not all applicants will qualify.