Privacy Policy

Effective Date: July 21, 2026

1. Overview

Spot Business Funding Inc (“Spot Business Funding,” “we,” “us,” or “our”) operates spotbusinessfunding.com and its related webpages and services.

This Privacy Policy explains how we collect, use, disclose, and protect information provided through our website, contact forms, funding-request forms, communications, and related services.

2. Information We Collect

We may collect the following categories of information:

• Name, telephone number, email address, and mailing address
• Business name, business address, industry, time in business, and ownership information
• Business revenue and other financial information
• Information provided in connection with a funding inquiry or application
• Identification and credit-related information when authorized
• Appointment, customer-service, and communication records
• Website usage information, including IP address, browser type, device information, referring pages, and website activity
• Any other information voluntarily provided to us

3. How We Collect Information

We may collect information:

• Directly from you through our website, forms, applications, telephone calls, emails, and text messages
• Automatically through cookies and similar website technologies
• From service providers assisting us with applicant-requested services
• From credit bureaus or other authorized sources when you provide the required authorization

4. How We Use Information

Spot Business Funding may use information to:

• Respond to inquiries and provide customer support
• Evaluate funding requests and assist with the application process
• Arrange consultations and appointments
• Request documents and provide application-status updates
• Match an applicant’s stated needs with potentially suitable funding providers
• Submit information to funding providers or underwriters when requested or authorized by the applicant
• Verify identity, prevent fraud, and protect our business and customers
• Operate, maintain, and improve our website and services
• Comply with legal, regulatory, and contractual obligations
• Maintain business and transaction records

Spot Business Funding Inc is not a direct lender and does not make final credit or funding decisions. Funding decisions, rates, terms, and approvals are determined by the applicable funding provider.

5. How Information May Be Disclosed

We may disclose information:

• To funding providers and underwriters as necessary to evaluate or fulfill a funding request initiated by the applicant
• To technology, hosting, customer-service, document-processing, and other service providers supporting our operations
• When required by law, court order, subpoena, regulatory request, or legal process
• When necessary to prevent fraud, protect legal rights, or protect the safety of our customers or others
• In connection with a merger, acquisition, financing, restructuring, or transfer of business assets, subject to applicable privacy requirements

Service providers are authorized to use information only as necessary to perform services on our behalf or fulfill the applicant’s requested service.

6. SMS Communications and Mobile Information

Spot Business Funding Inc sends non-marketing text messages only to individuals who directly provide their telephone number and voluntarily consent to receive such messages.

Messages may include:

• Appointment confirmations and reminders
• Responses to customer-initiated inquiries
• Document requests
• Application-received confirmations
• Application-status updates
• Customer-support communications

Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. Consent to receive text messages is not a condition of applying for or receiving services.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

SMS consent is specific to Spot Business Funding Inc. Providing SMS consent does not authorize any funding provider or other business to send unrelated marketing or promotional text messages.

7. Cookies and Website Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to:

• Maintain website functionality
• Understand how visitors use the website
• Measure website traffic and performance
• Prevent fraud and enhance security
• Improve website content and user experience

Browser settings may allow users to block or delete cookies. Certain website features may not function properly if cookies are disabled.

8. Data Retention

We retain personal information only for as long as reasonably necessary to provide requested services, maintain appropriate business records, comply with applicable legal requirements, resolve disputes, and enforce agreements.

Retention periods may vary depending on the type of information and the purpose for which it was collected.

9. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

No internet transmission or electronic storage system can be guaranteed to be completely secure. Users should exercise care when submitting sensitive information electronically.

10. Your Choices and Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

• Request access to certain personal information
• Request correction of inaccurate information
• Request deletion of certain information
• Withdraw previously provided consent
• Opt out of certain communications

To exercise a privacy right, contact us using the information below. We may need to verify your identity before completing a request.

Email communications may be discontinued by using the unsubscribe link included in the email. Text messages may be discontinued at any time by replying STOP.

11. Children’s Privacy

Our website and services are intended for adults and businesses. We do not knowingly collect personal information from children under 18.

If we learn that information was collected from a child, we will take reasonable steps to delete it.

12. Third-Party Websites

Our website may contain links to websites operated by funding providers, vendors, or other independent businesses. We are not responsible for the privacy practices, security, or content of those websites.

Users should review the privacy policy of any third-party website they visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes become effective when the revised policy is posted on our website.

The effective date at the top of the policy will identify the most recent revision.

14. Contact Us

Questions, requests, or concerns regarding this Privacy Policy may be directed to:

Spot Business Funding Inc
1000 North West Street, Suite 1200
Wilmington, DE 19801
Email: [email protected]
Phone: (888) 835-5388
Website: spotbusinessfunding.com