Valcor Capital is not a direct lender and does not make loans or credit decisions. Valcor Capital provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. Valcor Capital does not endorse any particular service provider, lender, or loan product. You are under no obligation to use Valcor Capital service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states.

Businesses applying for a loan with Valcor Capital incur no cost. Valcor Capital does not provide lending services directly to individual consumers. Based on the application details a business submits, Valcor Capital searches its database housing its vast network of reliable lenders to pair businesses with the lender and loan ideally suited to their needs.

All fees and rate information will be disclosed to businesses by their lender at the time of approval. Upon a search and final approval of the business’s application, an e-signature page will be provided to you by the lender to which by the matched lender. This document will contain all fees and rate information pertaining to the lender’s loan from the Valcor Capital network. Businesses are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Businesses are under no obligation to accept these terms.

If the business decides the loan terms detailed in the lender contract are acceptable and wishes to proceed with the loan process, the business may append an e-signature to the page. Once the business enters into a legally binding contract with the lender, the business assumes all costs and risks associated with the agreement. At that point, the business is obligated solely to the lender and is never at any point bound to Valcor Capital unless a separate arrangement is in writing. The loan fees and interest rates are determined solely by the lender to which the business is matched, with specific amounts determined based upon the application information submitted. Valcor Capital has no bearing on the determination of these fee amounts and interest rates.

Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Businesses facing debt and credit difficulties should seek out debt and credit advisory help, which Valcor Capital may offer on certain occasions. Businesses are encouraged to consult the rates and fees in any deal and ask questions about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives, and recent developments in their state.

The states this website services may change from time to time without notice. Valcor Capital does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, or receiving a loan from a service provider or lender. You will not be charged any fees to use Valcor Capital service unless an arrangement for services outside of matching the business with a lender has been agreed upon in writing.

Service providers or lenders may require credit scores with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or business reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders in certain circumstances.