Last updated: 18 July 2026
1. Acceptance
By using this website or engaging Finance Leads for US lead supply, you agree to these terms. Our operating entity is Finance Leads, 145 City Road, London, EC1V 1AZ, United Kingdom. US services are delivered through US-based partners and vendors.
2. Our service
We supply vetted US small-business finance enquiries (including SBA, commercial real estate, equipment finance, working capital, MCA, invoice factoring and asset-based lending) to brokers and specialty lenders under the commercial terms agreed with each partner.
3. Eligibility
Our US services are intended for US-formed businesses lawfully operating in the commercial finance market. Partners are responsible for holding all required state licenses (including any applicable state lending, broker, or MCA registrations) and for complying with federal consumer-protection statutes that may apply to their offers, including ECOA, the Truth in Lending Act, FCRA, and state-level commercial financing disclosure laws (e.g. California SB 1235, New York, Utah, Virginia, Georgia, Connecticut, and Florida).
4. Acceptable use
- Use leads only for the purpose for which they were supplied
- Do not resell, sublicense or pass leads to third parties without written consent
- Honor all opt-out, DNC and STOP requests within the timeframes required by TCPA and CAN-SPAM
- Comply with the TCPA (47 U.S.C. § 227), CAN-SPAM Act (15 U.S.C. § 7701 et seq.), GLBA and FTC Safeguards Rule, and applicable state privacy and commercial-financing laws
- Suppress against the National Do Not Call Registry and any applicable state DNC registries
5. Lead quality and replacement
We operate a replacement policy for invalid leads (disconnected phone, wrong contact, out-of-criteria industry, or duplicate). Full criteria and dispute windows are set out in each partner's order form or master services agreement.
6. Payment
Pricing, billing cycles and payment terms are agreed in writing for each partner. Unless otherwise stated, invoices are payable within 14 days in US dollars. We reserve the right to pause supply for accounts in arrears.
7. Intellectual property
All content on this website is owned by Finance Leads or used under license. You may not copy or reproduce material without written permission.
8. Disclaimer of warranties
The website and lead supply services are provided on an "AS IS" and "AS AVAILABLE" basis. To the maximum extent permitted by law, Finance Leads disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee any specific funding, application approval, or conversion outcome.
9. Limitation of liability
To the maximum extent permitted by law, our aggregate liability under any contract for lead supply is limited to the fees paid by the partner in the three months preceding the event giving rise to the claim. We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages. Some US states do not allow the exclusion of certain warranties or limitation of liability for consequential or incidental damages; in those states, the above limitations apply to the fullest extent permitted.
10. Indemnification
Partners will defend, indemnify and hold harmless Finance Leads from any claim arising from their use of supplied leads, including any TCPA, CAN-SPAM, FTC, CFPB, state attorney general or state financial regulator action resulting from non-compliant outreach or lending practices.
11. Governing law
These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. This choice of law is separate from the Federal Arbitration Act, which governs the arbitration clause in section 12.
12. Arbitration and class-action waiver
Any dispute arising out of or relating to these terms or the services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Wilmington, Delaware, and governed by the Federal Arbitration Act. The parties waive any right to bring or participate in a class action or class-wide arbitration. Either party may bring an individual claim in small-claims court instead of arbitration if it qualifies.
13. Changes
We may update these terms. Material changes will be communicated to active partners in writing.
14. Related policies
See our US Privacy Notice, US Service Provider Agreement and US Compliance page.