Last Updated: 08/04/2025

General

Indymae, LLC ("Indymae") offers financial services for small businesses through various loan and funding products (the "Service"). Indymae is not a lender, investment advisor, or financial planner, and does not provide legal, tax, or investment advice. Before making any financial decision, consult with your accountant, attorney, or financial advisor.

Use of the Service does not guarantee loan approval. Products such as the Flex Line of Credit or Term Loan are issued through Indymae banking partners and may be subject to separate terms.

Privacy, Personal and Company Information

By using the Service, you agree to Indymae Privacy Policy, which outlines how we collect, use, and protect your personal and business data. From time to time, we may share your information with banking partners or third-party providers to facilitate services. Each third party's privacy policy will be made available to you at the time of application.

Credit Authorization

You certify that you are authorized to apply for credit on behalf of the business, and that all submitted information is accurate and complete. You authorize Indymae, its agents, and partners to obtain consumer and business credit reports, conduct background checks, and verify submitted information.

By agreeing to these terms, you provide 'written instructions' under the Fair Credit Reporting Act for Indymae to access your credit profile for purposes of evaluating your creditworthiness. This is a soft credit inquiry and does not affect your credit score.

You acknowledge you may be personally liable as a guarantor for credit extended to your business.

Consent to Referral

You authorize Indymae to refer your application and share your information with third-party lenders and service providers. Indymae may receive referral compensation, which may influence which providers you are introduced to. Indymae does not act as a fiduciary in these arrangements. Review all loan terms carefully before accepting any offers.

E-Sign Consent

Your electronic signature has the same legal effect as a handwritten signature. You agree that electronically signed agreements and documents are valid and enforceable. All disclosures, notices, and agreements may be delivered to you electronically.

You also consent to receive communications via email or other digital methods. These communications are legally binding and considered 'in writing.' You may request paper versions of any document at no charge by contacting us.

Minimum System Requirements:
- Operating System: Windows 10+, macOS 10.14+
- Browser: Current versions of Chrome, Firefox, Edge, or Safari
- PDF Reader: Adobe Acrobat or equivalent
- Internet: TLS 1.2 enabled, cookies allowed

You may withdraw your e-sign consent at any time by contacting us at the address listed below. Withdrawing consent may limit your ability to use our services.

Data Source Providers

By using our services, you agree to allow Indymae to retrieve financial and business data from third-party sources (e.g., your bank or authorized platforms) to support your application. This includes granting Indymae access to such sources via credentials or direct uploads.

Identity Verification

To comply with federal regulations and combat fraud and money laundering, Indymae collects identifying information such as your name, address, and government-issued ID. This data is used to verify identity and evaluate eligibility for financial services.

Telephone Communications

You consent to receive calls and messages from Indymae, including pre-recorded messages and SMS, at the phone numbers you provide. These may be made by automated systems and may be recorded for quality and compliance. You may opt out of marketing communications at any time.

Jurisdiction

These Registration Terms are governed by the laws of the State of Florida without regard to conflict of law principles.

Notice to Married Applicants

If you are married, you may apply for credit in your name alone.

Equal Credit Opportunity Act (ECOA) Disclosure

We comply with the Equal Credit Opportunity Act, which prohibits discrimination in any credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, public assistance income, or because you have exercised your rights under the Consumer Credit Protection Act.

Arbitration Clause

Any dispute arising from these terms or the use of our services will be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to a jury trial or class action lawsuit.