Terms of Service

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you ("User", "you", or "Borrower") and Velocity Capital Lending LLC (DBA Velocity Capital) ("Velocity Capital", "Company", "we", "us", or "our"), located at 2780 Woodland Center Blvd, Tampa, FL 33614. If you do not agree to these Terms, you must discontinue use of the Services immediately.

2. Description of Services & Broker Disclaimer

Velocity Capital is a commercial financing brokerage and marketplace platform. We assist commercial businesses in connecting with third-party institutional lenders, banks, and private funding partners. Velocity Capital is not a direct lender, bank, or depository institution. We do not make credit decisions or issue loan commitments. Any loan offers, interest rates, terms, and approvals are determined solely by independent third-party funding partners.

8. SMS and Text Messaging Program Terms (A2P 10DLC Compliance)

Please review these SMS Terms carefully. By providing your mobile telephone number and opting into text messages through our web forms or loan application, you agree to receive SMS notifications from Velocity Capital.

8.1 Program Description & Use Cases

When you opt in, Velocity Capital sends SMS/text messages related to:

• Loan application status updates, submission milestones, and document requests.
• Account notifications, two-factor authentication (2FA) security codes, and identity verification.
• Customer care responses, closing schedules, and funding confirmations.

8.2 Message Frequency

Message frequency varies based on your account activity, application status, and communications with your assigned loan advisor. Typically, you can expect between 1 to 5 messages per active funding request.

8.3 Message & Data Rates

Message and data rates may apply for any messages sent to you from us and to us from you. Check with your mobile carrier (e.g., AT&T, Verizon, T-Mobile, Sprint) for details about your text messaging plan and associated rates.

8.4 Opt-Out Instructions (STOP)

You can cancel the SMS service at any time. Simply reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any text message received from Velocity Capital. After you send the message "STOP", we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive text messages from us. If you want to join again, simply sign up as you did the first time or contact support.

8.5 Customer Support Instructions (HELP)

If you are experiencing issues with the messaging program or need assistance, you can reply with the keyword HELP to any text message, call our customer care department toll-free at (877) 729-9180, or email us at support@velocitycapital.io.

8.6 Carrier Disclaimer

Carriers (including but not limited to AT&T, T-Mobile, Verizon) are not liable for delayed or undelivered messages.

8.7 Privacy & Non-Sharing Policy

We respect your privacy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Review our full Privacy Policy at https://velocitycapital.io/privacy.

9. Contact Information

If you have any questions, concerns, or requests regarding these Terms, please contact us: