Terms & Conditions

Last Updated: January 2, 2026

Terms & Conditions

Last Updated: February 4, 2026

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Next Step Funding ("Company," "we," "us," or "our"). These Terms govern your access to and use of our website, services, and any related applications or platforms.

By:

• Accessing our website
• Submitting an application for funding or services
• Using any of our services
• Providing your personal or business information

You acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Definitions

• "Services" refers to all financing, funding, credit services, business opportunities, and related services offered by Next Step Funding
• "Application" means any form, request, or submission for funding or services
• "Funding Partners" refers to third-party lenders, financial institutions, and credit providers
• "Credit Partner" refers to individuals who participate in our credit partner program
• "User" refers to any individual or entity accessing our website or services

3. Eligibility

3.1 General Requirements

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Be a resident of the United States or Canada (for applicable programs)
• Provide accurate, current, and complete information
• Not be prohibited from receiving services under applicable laws

3.2 Business Requirements

For business funding programs, you must:

• Be an authorized representative of the business
• Have authority to bind the business to agreements
• Operate a legitimate, lawful business
• Meet specific program eligibility criteria (credit score, time in business, revenue requirements)

4. Services Overview

4.1 Nature of Services

Next Step Funding acts as an intermediary and consultant connecting users with funding opportunities. We:

• Facilitate introductions to funding partners and lenders
• Provide information about various funding programs
• Assist with application preparation and submission
• Offer consulting services related to business financing
• Provide credit partner matching services
• Sell aged corporations and business entities

4.2 Not a Lender

5. Application Process

5.1 Submission

When you submit an application:

• You authorize us to share your information with funding partners
• You consent to credit checks and background verification
• You acknowledge that submission does not guarantee approval
• You agree to provide truthful and accurate information

5.2 Information Accuracy

You represent and warrant that all information provided is:

• True, accurate, and complete
• Current and up-to-date
• Not misleading or fraudulent
• Authorized for disclosure

Providing false or misleading information may result in:

• Application denial
• Termination of services
• Legal action
• Criminal prosecution for fraud

6. Fees and Payments

6.1 Service Fees

Certain services may require fees, including but not limited to:

• Success Fees: Typically 15% on funding received (for applicable programs)
• Aged Corporation Sales: Starting at $2,500
• Credit Repair Services: As quoted
• Consulting Fees: As agreed upon
• Processing Fees: When applicable

6.2 No Upfront Fees Policy

Many of our programs advertise "no upfront fees." This means:

• We do not charge fees before funding is received (for applicable programs)
• Success fees are only charged upon successful funding
• Some services (e.g., aged corporations, credit repair) may require payment upfront
• Third-party fees charged by lenders or funding partners are separate and may be required

6.3 Payment Terms

• All fees must be paid as agreed in writing
• Payments are non-refundable unless otherwise specified
• We accept credit cards, ACH transfers, and other specified payment methods
• Late payments may incur additional charges

7. Credit Checks and Authorization

7.1 Credit Authorization

By submitting an application, you authorize Next Step Funding and its funding partners to:

• Obtain credit reports from Equifax, Experian, and TransUnion
• Perform soft and hard credit inquiries as needed
• Verify information with third parties
• Conduct background checks
• Review bank statements and financial documents
• Contact references and verify employment

7.2 Credit Impact

You acknowledge that:

• Hard credit inquiries may temporarily affect your credit score
• Multiple applications may result in multiple inquiries
• We are not responsible for credit score impacts from authorized inquiries

8. No Guarantee of Approval

9. Credit Partner Program

9.1 Program Overview

Our Credit Partner Program connects individuals with excellent credit to businesses seeking funding assistance. Participation is voluntary and subject to specific terms.

9.2 Credit Partner Responsibilities

As a Credit Partner, you:

• Must meet minimum credit requirements (typically 680-760+ depending on program)
• Will be introduced to businesses seeking credit assistance
• Are responsible for your own due diligence
• Negotiate your own compensation agreements
• Assume all risks associated with credit extension
• Are solely responsible for repayment of any credit extended in your name

9.3 Company Role as Intermediary

9.4 Risks and Acknowledgments

Credit Partners acknowledge and accept that:

• Credit extended in your name is your legal responsibility
• You may be personally liable for unpaid debts
• Your credit score may be negatively impacted by defaults
• Promised income is not guaranteed and depends on business success
• You should conduct thorough due diligence on any business opportunity
• You should seek independent legal and financial advice

10. Aged Corporations and Business Entities

10.1 Sale of Aged Corporations

We sell aged corporations and LLCs "as-is" with the following terms:

• Entities are legally registered and in good standing at time of sale
• Pricing depends on age and location
• Delivery typically within 24-72 hours
• Most entities incorporated in Colorado or New Mexico
• Foreign filing in your state may be required (at your expense)

10.2 No Guarantees

We do NOT guarantee:

• Specific funding amounts or credit availability
• Business success or profitability
• Specific tax benefits
• Acceptance by vendors, lenders, or other third parties

10.3 User Responsibilities

Purchasers are responsible for:

• Proper registration and compliance in their operating state
• Obtaining necessary licenses and permits
• Maintaining corporate compliance
• Filing taxes and annual reports
• All legal and regulatory obligations

11. Business Opportunities

11.1 Doner/Gyro Restaurant Opportunity

The restaurant business opportunity described on our website:

• Is not a franchise offering (during initial phase)
• Investment ranges from $80,000-$150,000 depending on location
• We provide consultation and setup assistance
• Success is not guaranteed
• You are responsible for all business operations and obligations

11.2 Movie Producer Opportunity

The executive movie producer opportunity:

• Involves investment in film production
• Returns are speculative and not guaranteed
• Film industry involves significant financial risk
• Ownership percentages and profit sharing are subject to written agreements
• Distribution is not guaranteed

11.3 Investment Risks

12. Intellectual Property

12.1 Ownership

All content on our website, including but not limited to:

• Text, graphics, logos, images
• Software and code
• Trademarks and service marks
• Proprietary information and materials

Are owned by Next Step Funding or our licensors and protected by copyright, trademark, and other intellectual property laws.

12.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal or business purposes related to our services. You may not:

• Copy, modify, or distribute our content without permission
• Use our content for commercial purposes without authorization
• Reverse engineer or attempt to extract source code
• Remove or alter copyright or proprietary notices

13. Prohibited Uses

You agree NOT to:

• Provide false, misleading, or fraudulent information
• Impersonate another person or entity
• Use our services for illegal purposes
• Violate any applicable laws or regulations
• Interfere with or disrupt our website or servers
• Attempt to gain unauthorized access to our systems
• Use automated systems (bots, scrapers) without permission
• Transmit viruses, malware, or harmful code
• Harass, threaten, or harm others
• Engage in fraudulent schemes or money laundering
• Violate intellectual property rights

14. Third-Party Services and Links

14.1 Third-Party Relationships

We work with various third-party funding partners, lenders, and service providers. We are not responsible for:

• Third-party products, services, or content
• Terms and conditions imposed by third parties
• Actions or omissions of third parties
• Disputes between you and third parties

14.2 External Links

Our website may contain links to third-party websites. We do not endorse or control these sites and are not responsible for their content, privacy practices, or terms of service.

15. Disclaimers and Limitations of Liability

15.1 Service "As-Is"

15.2 No Professional Advice

Information provided on our website and through our services:

• Is for general informational purposes only
• Does not constitute legal, financial, tax, or investment advice
• Should not be relied upon as professional advice
• May not be accurate, complete, or current

You should consult with qualified professionals regarding your specific situation.

15.3 Limitation of Liability

15.4 Financial Risk Acknowledgment

You acknowledge and agree that:

• All financial decisions are made at your own risk
• You are solely responsible for assessing your financial capacity
• Borrowing and credit involve risk of financial loss
• Business investments may result in complete loss of capital
• We are not responsible for your financial outcomes

16. Indemnification

You agree to indemnify, defend, and hold harmless Next Step Funding, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any laws or regulations
• Your violation of third-party rights
• Any information you provide to us
• Your business operations or investments
• Disputes with other users or third parties

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State], United States, without regard to conflict of law principles.

17.2 Arbitration Agreement

17.3 Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. You waive any right to participate in a class action, class arbitration, or representative action.

17.4 Venue

Any litigation not subject to arbitration shall be brought exclusively in the state or federal courts located in [Your County], [Your State].

18. Termination

18.1 Termination by Us

We reserve the right to terminate or suspend your access to our services immediately, without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Provision of false information
• Abusive or inappropriate behavior
• Non-payment of fees
• At our sole discretion

18.2 Termination by You

You may terminate your use of our services at any time by:

• Ceasing to use our website and services
• Contacting us to close your account

18.3 Effect of Termination

Upon termination:

• Your right to use our services immediately ceases
• Outstanding fees remain due and payable
• Certain provisions of these Terms survive (indemnification, liability limitations, etc.)
• We may retain your information as required by law or our policies

19. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection, use, and disclosure of your information as described in the Privacy Policy.

20. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on our website
• Updating the "Last Updated" date
• Sending email notification (for significant changes)

Your continued use of our services after changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using our services.

21. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

22. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.

23. Entire Agreement

These Terms, together with our Privacy Policy and any written agreements between you and Next Step Funding, constitute the entire agreement between you and us regarding our services and supersede all prior agreements, understandings, and communications.

24. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms to any affiliate or in connection with a merger, acquisition, or sale of assets.

25. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or governmental actions.

26. Electronic Communications

You consent to receive communications from us electronically, including:

• Email messages
• SMS/text messages (if you provide your mobile number)
• Website notifications
• System-generated messages

You agree that electronic communications satisfy any legal requirements for written communications.

27. Financial Regulation Compliance

27.1 State Licensing

We comply with applicable state and federal regulations governing financial services. Some services may not be available in all states.

27.2 Equal Credit Opportunity

We and our funding partners comply with the Equal Credit Opportunity Act and do not discriminate based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

27.3 Fair Credit Reporting Act

We comply with the Fair Credit Reporting Act (FCRA) in our use and disclosure of consumer credit information.

28. Specific Program Terms

28.1 Same Day Funding Programs

Programs advertised as "same day" or "within hours" are subject to:

• Qualification and approval
• Complete and accurate application submission
• Banking hours and processing times
• Funding partner availability

28.2 Zero Percent APR Offers

0% APR offers:

• Are provided by third-party credit issuers
• Are subject to credit approval and qualification
• Have limited promotional periods (typically 6-18 months)
• Revert to standard rates after promotional period
• May have fees or charges separate from interest

28.3 Credit Score Requirements

Credit score requirements are minimums and do not guarantee approval. Actual approval depends on comprehensive credit profile evaluation by funding partners.

29. Feedback and Suggestions

If you provide us with feedback, suggestions, or ideas regarding our services ("Feedback"), you grant us a perpetual, worldwide, royalty-free license to use, modify, and incorporate such Feedback without compensation or attribution.

30. Compliance with Laws

You agree to comply with all applicable federal, state, and local laws and regulations in connection with your use of our services, including but not limited to:

• Anti-money laundering laws
• Tax laws and reporting requirements
• Securities laws (for investment opportunities)
• Consumer protection laws
• Business licensing and registration requirements

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32. Acknowledgment and Acceptance

© 2026 Next Step Funding. All rights reserved.

Last Updated: January 02, 2026. Contact support@nextstepfunding.io for data inquiries.