Terms and Conditions

Last Updated: October 22, 2026

Welcome to Cap2All.com. These Terms and Conditions ("Terms") govern your access to and use of the website located at https://www.cap2all.com (the "Website"), including its content, contact forms, business financing inquiries, and other services made available through the Website.

The Website is operated by Cap2All ("Cap2All," "we," "us," or "our").

By accessing or using this Website, submitting an inquiry, or requesting information about business financing, you acknowledge that you have read and understood these Terms. Where applicable law requires affirmative consent, we will obtain that consent separately.

If you do not agree with these Terms, please discontinue use of the Website.

1. ABOUT CAP2ALL

Cap2All is a business financing brokerage and referral service that assists eligible businesses in exploring potential financing solutions through third-party lenders, financing companies, and other funding providers.

Our services may include helping businesses explore financing options such as:

Business working capital loans
Business term loans
Business lines of credit
Merchant cash advances and business cash advances
Revenue-based financing
Unsecured business financing
Invoice financing
Equipment financing
Asset-based lending
Other commercial financing products offered by third-party providers

The financing products available to a particular business depend on its circumstances, eligibility, financing requirements, and the products offered by our lending and financing partners.

Cap2All is a broker, not necessarily the lender or financing provider. Unless expressly identified otherwise in a separate written agreement, Cap2All does not directly lend money, guarantee financing, or make final lending decisions.

We may introduce applicants to third-party financing providers whose products or eligibility requirements may be appropriate for their circumstances.

2. NO GUARANTEE OF APPROVAL OR FUNDING

Submitting an inquiry, completing an application, or communicating with Cap2All does not guarantee financing approval or funding.

Any statements on the Website concerning potential funding amounts, approval times, funding speed, credit requirements, or financing availability are general descriptions of potential opportunities and are not guarantees of a particular result.

Actual financing outcomes may depend on factors including, but not limited to:

Business revenue and cash flow
Time in business
Business and personal credit history, where relevant
Existing loans, advances, and financial obligations
Industry and business type
Banking activity and financial documentation
Collateral, where required
The underwriting criteria of the applicable financing provider
Applicable laws and regulations
The availability of financing products at the time of application

References to fast approvals, same-day decisions, next-business-day funding, or other expedited processes describe potential outcomes and are not guaranteed.

Approval and funding timelines are determined by the relevant financing provider and may be affected by application completeness, verification procedures, underwriting, documentation, banking schedules, and other factors outside Cap2All's control.

You should not make business commitments in reliance on an assumed approval or funding date.

3. THIRD-PARTY LENDERS AND FINANCING PROVIDERS

Cap2All may work with independent third-party lenders, financing companies, financial institutions, and other commercial financing providers.

When you request financing assistance, your information may be used to identify potential financing options and, where permitted and appropriately authorized, shared with relevant financing providers.

Each financing provider operates independently and may have its own:

Eligibility and underwriting requirements
Application and verification procedures
Interest rates, fees, factor rates, and other pricing
Repayment schedules and payment methods
Collateral and personal guarantee requirements
Contractual terms and conditions
Privacy policies and information-handling practices

Cap2All does not control the independent operations, underwriting decisions, business practices, or contractual requirements of third-party providers.

Unless expressly agreed otherwise in writing, Cap2All is not a party to financing agreements entered into directly between you and a third-party financing provider.

You are responsible for reviewing the terms of any financing offer and agreement before accepting it.

Any questions about a particular financing agreement should be directed to the appropriate contracting party.

4. FINANCING OFFERS, COSTS, AND REPAYMENT

Financing offers may vary significantly depending on the provider, financing product, applicant qualifications, and transaction structure.

Before accepting a financing offer, you should carefully review all applicable disclosures and contractual documents, including, where relevant:

The amount of financing provided
The amount you will receive after applicable deductions
Interest, factor rates, fees, and other financing costs
The total amount payable
The payment frequency and repayment schedule
The term or expected duration of the agreement
Any collateral requirements or personal guarantees
Default provisions and potential consequences
Prepayment terms and any applicable charges
Renewal, refinancing, or additional financing provisions

Depending on the financing product, repayment may be structured through fixed payments, scheduled withdrawals, a percentage of receivables, or another agreed method.

You should not assume that all financing products have the same cost structure or repayment obligations.

Cap2All does not provide a guarantee that a particular financing option will be the least expensive or most suitable option available to you.

You are encouraged to compare available options and consult qualified legal, accounting, or financial professionals when appropriate.

5. ELIGIBILITY AND BUSINESS USE

The Website is intended primarily for business owners and authorized representatives seeking financing for established businesses in the United States or Canada.

Cap2All does not guarantee that financing will be available to every business, industry, applicant, or location.

Eligibility requirements vary by financing provider and product.

You agree to provide accurate and complete information about yourself and your business when requesting financing assistance.

You must have the legal authority to submit information and make inquiries on behalf of the business identified in your application.

You must not submit an application using another person's identity or business information without proper authorization.

Financing products are subject to applicable laws and the eligibility requirements of the relevant provider.

6. ACCURACY OF INFORMATION PROVIDED

When submitting information through the Website or communicating with Cap2All, you agree that the information you provide will be accurate, current, and complete to the best of your knowledge.

You agree not to knowingly submit false, misleading, fraudulent, or materially incomplete information.

You understand that financing providers may independently verify information submitted during the application process.

Providing inaccurate or misleading information may result in an application being declined, an offer being withdrawn, or other consequences permitted by applicable law or the relevant financing agreement.

You are responsible for promptly notifying Cap2All if material information you previously provided changes during an active financing inquiry.

Cap2All may decline to process an inquiry or discontinue assistance where information appears incomplete, inconsistent, unauthorized, or potentially fraudulent, subject to applicable law.

7. AUTHORIZATION TO CONTACT YOU

When you submit a contact form, request a financing quote, call us, email us, or otherwise initiate communication with Cap2All, we may contact you regarding your inquiry using the contact information you provide.

Depending on your inquiry and applicable law, communications may include:

Responses to questions about business financing
Requests for additional application information
Updates regarding potential financing opportunities
Follow-up concerning an existing inquiry
Information about offers or services you have requested

Communications may occur by telephone, email, or other communication methods permitted by law and your applicable consent preferences.

Marketing communications and automated calls or text messages: Where required, Cap2All will obtain the necessary consent before sending marketing text messages, making automated or prerecorded marketing calls, or using other communications methods subject to specific consent requirements.

Submitting a financing inquiry does not, by itself, constitute consent to every form of marketing communication.

You may withdraw applicable marketing consent or opt out of marketing communications using the methods provided in the communication or by contacting Cap2All. Opting out of marketing communications will not affect the delivery of non-marketing messages that we are legally permitted to send.

Where applicable, standard message and data rates may apply to text messages.

If Cap2All offers text-message programs, additional program-specific terms may apply and will be provided as appropriate.

8. INFORMATION SHARING AND PRIVACY

Cap2All may collect and use information you provide through the Website to respond to inquiries, evaluate potential financing opportunities, facilitate referrals, communicate with you, and operate its business.

Subject to applicable law and any required authorization, information may be shared with third-party lenders, financing providers, service providers, and other parties when reasonably necessary for the purposes described in our Privacy Policy.

Depending on the circumstances, information may include:

Business contact information
Business name and location
Business revenue and operating information
Requested financing amount and purpose
Information about existing business financing
Financial documents voluntarily submitted or otherwise lawfully collected
Other information reasonably necessary to evaluate a financing inquiry

Cap2All will handle personal information in accordance with applicable privacy laws and its Privacy Policy.

Our Privacy Policy explains our information collection, use, disclosure, retention, and protection practices in greater detail.

Please review our Privacy Policy before submitting personal, business, or financial information.

Do not submit sensitive information through unsecured communication channels unless the submission method is intended for that information.

9. CREDIT INQUIRIES AND FINANCIAL VERIFICATION

Financing providers may require verification of business or personal financial information as part of their underwriting procedures.

Depending on the financing product, provider, and applicable law, the process may involve reviewing business bank statements, financial records, credit information, payment history, or other relevant documentation.

A credit inquiry may be conducted only in accordance with applicable law and the authorization or permissible purpose required for that inquiry.

Submitting an inquiry to Cap2All should not be interpreted as blanket authorization for every lender to access your credit reports or other protected financial information.

Where a separate authorization is required, it must be obtained before the applicable inquiry or activity occurs.

You should ask the relevant provider whether its underwriting process involves a hard credit inquiry, a soft credit inquiry, or another form of verification.

Cap2All does not guarantee that every financing inquiry can be evaluated without affecting a credit score.

10. NO PROFESSIONAL FINANCIAL, LEGAL, OR TAX ADVICE

Information on this Website is provided for general informational purposes and to help businesses explore potential financing opportunities.

Nothing on the Website constitutes legal, tax, accounting, investment, or individualized professional financial advice.

Cap2All does not replace the services of a qualified attorney, accountant, tax professional, or other licensed professional.

You are responsible for evaluating the financial implications of any financing arrangement and determining whether it is appropriate for your business.

Before entering into a financing agreement, consider obtaining independent professional advice if you have questions about its legal, financial, tax, or accounting implications.

11. WEBSITE CONTENT AND AVAILABILITY

We make reasonable efforts to maintain the Website and provide useful, current information. However, we do not guarantee that the Website will always be available, uninterrupted, secure, error-free, or free from inaccurate or outdated information.

Website content may be changed, updated, removed, or discontinued at any time without prior notice, subject to applicable law.

We may modify or discontinue any Website feature, service, or financing information.

We do not guarantee that any particular financing product, offer, rate, lender, or service described on the Website will remain available.

Information displayed on the Website should not be treated as a binding financing offer unless expressly stated in a separate written agreement.

12. ACCEPTABLE USE

You agree to use the Website only for lawful purposes.

You must not:

Use the Website in violation of applicable laws or regulations.
Submit fraudulent, deceptive, or knowingly false information.
Attempt to gain unauthorized access to the Website, its systems, or related accounts.
Interfere with the Website's operation, security, or functionality.
Introduce malicious software, harmful code, or other disruptive material.
Use automated systems to access or collect Website information in a manner that violates applicable law or our reasonable technical restrictions.
Copy, reproduce, distribute, or exploit Website content without permission, except as permitted by law.
Impersonate another person or misrepresent your authority to act on behalf of a business.

We may take reasonable steps to protect the Website, our business, our users, and third parties from misuse, subject to applicable law.

13. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Website and its contents, including text, graphics, logos, page layouts, design elements, and other materials, are owned by or licensed to Cap2All.

These materials are protected by applicable intellectual property laws.

You may access and use the Website for personal or legitimate business-inquiry purposes.

You may not reproduce, modify, distribute, publish, commercially exploit, or create derivative works from Website materials without prior written permission, except where permitted by applicable law.

Nothing in these Terms transfers ownership of Cap2All's intellectual property to you.

Third-party names, trademarks, and logos remain the property of their respective owners.

14. THIRD-PARTY WEBSITES AND SERVICES

The Website may contain links to third-party websites, services, financing providers, or other resources.

These links are provided for convenience or informational purposes.

Cap2All does not necessarily own, operate, endorse, or control third-party websites or services.

We are not responsible for the content, security, privacy practices, availability, or terms of third-party websites.

Your use of a third-party website or service is subject to that third party's applicable terms and policies.

You should review those terms and policies before providing information or entering into an agreement with a third party.

15. DISCLAIMER OF WARRANTIES

To the maximum extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis.

Cap2All makes no express or implied warranties regarding the Website's operation, availability, accuracy, completeness, or suitability for a particular purpose, except where such warranties cannot lawfully be excluded.

Cap2All does not warrant that use of the Website will result in financing approval, funding, a particular interest rate, a particular repayment term, or any other specific financing outcome.

Nothing in these Terms excludes or limits any consumer, privacy, or other legal rights that cannot lawfully be excluded or limited.

16. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Cap2All will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your use of the Website or inability to use it.

To the extent permitted by law, Cap2All will not be responsible for losses arising from third-party financing decisions, underwriting requirements, funding delays, financing terms, or the acts or omissions of independent financing providers.

Cap2All does not exclude liability for fraud, willful misconduct, gross negligence where such exclusion is prohibited, or any other liability that cannot lawfully be excluded or limited.

Nothing in this section limits rights or remedies that applicable law requires us to preserve.

Any additional limitation of liability will apply only to the extent permitted by the governing law applicable to the relevant claim.

17. INDEMNIFICATION

To the extent permitted by applicable law, you agree to be responsible for losses, liabilities, and reasonable expenses arising from your unlawful use of the Website, your material violation of these Terms, or your knowing submission of fraudulent or unauthorized information.

This provision does not require you to indemnify Cap2All for losses caused by Cap2All's own conduct to the extent such an obligation would be prohibited by applicable law.

18. TERMINATION OR RESTRICTION OF ACCESS

Cap2All may restrict or discontinue your access to the Website where reasonably necessary to protect the Website, comply with legal obligations, address misuse, or enforce these Terms.

Any such action will be subject to applicable law and any contractual obligations that apply to the circumstances.

Termination of Website access does not automatically cancel any separate agreement that you have entered into with Cap2All or a third-party financing provider.

19. GOVERNING LAW AND DISPUTES

These Terms are subject to applicable federal, state, provincial, and other laws, as appropriate to the circumstances.

The specific governing-law jurisdiction and dispute-resolution provisions must be confirmed before publication. The appropriate provisions may depend on the legal entity operating Cap2All, its place of business, the location of the user, the services provided, and applicable mandatory laws.

Nothing in these Terms is intended to deprive you of any mandatory legal protections or rights available under applicable law.

If a dispute arises concerning the Website or these Terms, the parties are encouraged to contact Cap2All first and attempt to resolve the matter informally.

Any applicable court proceedings, arbitration requirements, or other dispute-resolution procedures will be determined in accordance with the valid provisions governing the particular dispute and applicable law.

20. CHANGES TO THESE TERMS

Cap2All may update these Terms from time to time to reflect changes in its business, Website, services, or legal requirements.

When changes are made, the "Last Updated" date at the beginning of this page will be revised.

Changes will take effect as permitted by applicable law.

Where legally required, we will provide notice or obtain consent before implementing material changes.

Your continued use of the Website after revised Terms become effective may constitute acceptance of those Terms where permitted by applicable law.

We encourage you to review this page periodically.

21. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

The invalid or unenforceable provision will be interpreted or limited to the minimum extent necessary where permitted, without affecting the validity of the remaining provisions.

22. ENTIRE AGREEMENT

These Terms govern your general use of the Website.

They do not replace or override a separate written agreement, financing agreement, privacy notice, consent form, or other contractual document that applies to a particular transaction or service.

If a separate agreement expressly governs a specific service or transaction, its terms will apply to that service or transaction to the extent of any inconsistency and as permitted by applicable law.

23. CONTACT INFORMATION

If you have questions about these Terms and Conditions, please contact Cap2All using the following information:

Website: https://www.cap2all.com

Email: capital@cap2all.com

Telephone: 866-618-8874

Canada Direct: 647-495-0546

Please include "Terms and Conditions Inquiry" in the subject line of email correspondence relating to these Terms.

By using the Cap2All Website, you acknowledge these Terms to the extent permitted by applicable law.