Disclosures

1. VEQSA Capital's Role

VEQSA Capital is a commercial finance advisory firm that helps businesses, entrepreneurs, investors, and other eligible borrowers evaluate, structure, and pursue financing solutions through relationships with third-party lenders and capital providers.

VEQSA Capital is not a bank or depository institution.

Unless expressly stated otherwise, financing is provided by independent third-party lenders and capital providers. Those financing providers establish their own underwriting criteria, credit requirements, pricing, terms, documentation requirements, approval standards, and funding decisions.

VEQSA Capital's role may include understanding a client's financing objectives, evaluating potential financing structures, identifying potential capital sources, facilitating introductions and communications, assisting with transaction preparation, and helping clients navigate the financing process.

2. Independent Financing Providers

Third-party lenders and capital providers are independent entities and are responsible for their own credit, underwriting, pricing, approval, documentation, and funding decisions.

VEQSA Capital does not control or guarantee the decisions, processing times, underwriting requirements, terms, rates, conditions, or performance of independent financing providers.

The availability of any financing solution depends on the applicable provider's requirements and the characteristics of the borrower and transaction.

3. No Guarantee of Financing

Submitting a financing inquiry, deal submission, preliminary application, supporting information, or other request to VEQSA Capital does not guarantee financing.

It does not constitute a commitment to lend, an extension or offer of credit, or an assurance that a transaction will be approved or funded.

All financing is subject to applicable underwriting, eligibility requirements, due diligence, documentation, credit approval, and final approval by the applicable financing provider.

4. Financing Terms and Program Information

Any rates, terms, loan amounts, leverage parameters, repayment structures, timelines, eligibility criteria, or other program information referenced on the VEQSA Capital website or in preliminary communications is provided for general informational purposes unless expressly stated otherwise in formal transaction documentation.

Actual financing terms may vary based on factors including, but not limited to:

• borrower creditworthiness;
• business financial performance;
• cash flow;
• collateral;
• industry;
• property characteristics;
• transaction structure;
• financing amount;
• leverage;
• market conditions;
• lender requirements; and
• other underwriting considerations.

5. Capital Structuring and Advisory Approach

VEQSA Capital takes a consultative approach to commercial financing.

Rather than assuming that a single financing structure or capital provider is appropriate for every transaction, VEQSA Capital may evaluate multiple potential financing pathways based on the client's stated objectives and the characteristics of the opportunity.

Any financing structures or potential capital sources discussed are subject to further evaluation, lender requirements, underwriting, market conditions, and availability.

VEQSA Capital does not represent that every available financing source or structure in the market will be identified or presented.

6. Compensation

VEQSA Capital may receive compensation in connection with financing transactions it helps facilitate.

Depending on the transaction, financing product, applicable agreements, and legal requirements, compensation may be paid by a client, lender, capital provider, referral relationship, or another permitted party.

Where applicable, fees or compensation payable directly by a client will be addressed through appropriate disclosures, agreements, or transaction documentation.

Compensation arrangements may vary by transaction and financing provider.

Nothing on this website should be interpreted as establishing a specific fee or compensation arrangement unless expressly stated in a separate written agreement.

7. Referral and Professional Relationships

VEQSA Capital works with business owners, investors, CPAs, attorneys, real estate professionals, business brokers, consultants, financial professionals, lenders, and other referral or strategic relationships.

The existence of a referral or professional relationship does not guarantee financing or alter the independent underwriting and approval requirements of a financing provider.

Submitting a deal or introducing a prospective client does not by itself establish a partnership, joint venture, agency, fiduciary relationship, compensation agreement, or other contractual relationship with VEQSA Capital.

Any applicable referral or compensation arrangement should be governed by separate documentation and applicable law.

8. Information Sharing and Confidentiality

Information provided to VEQSA Capital is handled in accordance with the VEQSA Capital Privacy Policy.

Where reasonably necessary to evaluate, structure, process, present, or facilitate a financing opportunity, relevant information may be shared with prospective lenders, capital providers, service providers, or other parties involved in the financing process, subject to applicable law and VEQSA Capital's privacy practices.

Clients and referral partners should not submit Social Security numbers, bank login credentials, complete bank account numbers, passwords, or other highly sensitive information through general website forms.

When additional documentation is required, VEQSA Capital or the applicable financing provider may provide instructions regarding an appropriate submission method.

9. No Legal, Tax, Accounting, or Investment Advice

Information provided by VEQSA Capital regarding commercial financing should not be interpreted as legal, tax, accounting, or investment advice.

Clients should consult their own qualified legal, tax, accounting, investment, and other professional advisors regarding the implications of a proposed financing or business transaction.

10. SBA and Government Programs

VEQSA Capital is not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration or any other federal, state, or local government agency.

References to SBA financing or other government-supported financing programs are provided for informational purposes and refer to financing available through eligible participating lenders or other authorized providers, as applicable.

Program eligibility and approval are determined pursuant to applicable program requirements and by the parties responsible for underwriting and approving the financing.

11. Fair and Responsible Access to Financing

VEQSA Capital is committed to conducting its activities professionally and in accordance with applicable laws and requirements.

Financing opportunities are subject to the underwriting standards and legal obligations applicable to the financing provider and transaction.

VEQSA Capital does not support unlawful discrimination in connection with access to financing.

12. No Fiduciary Relationship Created by Website Use

Use of the VEQSA Capital website, submission of an inquiry, or preliminary discussion of financing does not by itself create a fiduciary, lender-borrower, agency, partnership, joint venture, or other professional relationship.

Specific engagements, compensation arrangements, financing transactions, or referral relationships may be governed by separate agreements where applicable.

13. Transaction-Specific Documentation Controls

Any formal financing proposal, term sheet, commitment, loan agreement, engagement agreement, fee agreement, lender disclosure, or other transaction-specific documentation will govern the matters addressed in that documentation. These disclosures should be read together with the Terms of Use.

If information on this website differs from final documentation issued in connection with a specific financing transaction, the applicable transaction documentation controls with respect to that transaction.