Capital Qualified™ · ApprovalReady™ · CashFlowReady™
| Service Provider | CredFin, Inc. ("CredFin" or "Company"), a Delaware corporation, with headquarters located at 1395 Brickell Ave, Ste 800, Miami, FL 33131 |
| Client | The individual or entity completing enrollment ("Client") |
| Agreement Date | The date of Client's electronic acceptance at checkout |
| Governing Law | State of Florida; Federal Arbitration Act (9 U.S.C. § 1 et seq.) |
CredFin, Inc. provides business credit advisory and coaching, business credit readiness services, cash flow and financial roadmap advisory, lender matching, and related educational services to small and mid-size business owners through its proprietary Capital Qualified™ + Lender Match™ System (collectively, the "Services"). By completing enrollment and making payment, Client enters into this legally binding Client Service Agreement ("Agreement") and agrees to all terms herein.
Client acknowledges they have read, understood, and voluntarily accepted this Agreement before payment is processed.
As used in this Agreement:
CredFin offers the following Programs. Client's selected Program and Payment Option are confirmed in the order confirmation email. All prices are in U.S. dollars.
| Feature | Capital Qualified™ | ApprovalReady™ | CashFlowReady™ |
|---|---|---|---|
| Pay In Full | $5,000 (one-time) | $2,997 (one-time) | $2,997 (one-time) |
| 12-Month Investment | $1,500 initial + $500 × 11 mo. | $697 initial + $289 × 11 mo. | $697 initial + $289 × 11 mo. |
| Total Contract Value (Pay In Full) | $5,000 | $2,997 | $2,997 |
| Total Contract Value (12-Month) | $7,000 | $3,876 | $3,876 |
| Service Period | 12 months | 12 months | 12 months |
| CredFin AI Funding Platform | ✔ | ✔ | — |
| Bureau Profile Optimization | ✔ | ✔ | — |
| Business Credit Development | ✔ | ✔ | — |
| Credibility Foundation Builder | ✔ | ✔ | — |
| Personalized Funding Roadmap | ✔ | ✔ | — |
| Strategic Funding Consultation | ✔ | ✔ | — |
| Lender Match™ Network | ✔ | ✔ | — |
| Cash Flow Assessment | ✔ | — | ✔ |
| Financial Organization Support | ✔ | — | ✔ |
| Personalized Growth Roadmap | ✔ | — | ✔ |
| Capital Planning | ✔ | — | ✔ |
| Live Coaching & Support (12 mo.) | ✔ | ✔ | ✔ |
| Upgrade Path | — | To Capital Qualified™ | To Capital Qualified™ |
* 12-Month Investment totals: Capital Qualified™ $1,500 + (11 × $500) = $7,000; ApprovalReady™ and CashFlowReady™ each $697 + (11 × $289) = $3,876. Monthly installments are charged automatically on the same calendar date as the initial payment. Upgrade terms are described in Section 4.5.
Clients who enrolled in the Empire Accelerator™ or Empire Credibility Builder™ programs before the "Last Updated" date above remain subject to the pricing, services, and terms of the Agreement in effect on their Contract Start Date. Those programs are no longer offered to new Clients.
Pay In Full: $2,997. 12-Month Investment: $697 initial payment + $289 × 11 months (Transaction Price $3,876). A fully guided 12-month program. During the Service Period, CredFin will deliver:
Pay In Full: $2,997. 12-Month Investment: $697 initial payment + $289 × 11 months (Transaction Price $3,876). A guided 12-month program designed to strengthen the cash flow story lenders underwrite and build a clear plan for how capital will grow Client's business. During the Service Period, CredFin will deliver:
CashFlowReady™ Services are delivered by CredFin in collaboration with its Program Partner, Wright Financial Roadmapping. CredFin remains Client's contracting party under this Agreement. Client authorizes CredFin to share the information Client provides with the Program Partner solely for the purpose of delivering the Services, subject to the confidentiality obligations in Section 12.
Pay In Full: $5,000. 12-Month Investment: $1,500 initial payment + $500 × 11 months (Transaction Price $7,000). Capital Qualified™ includes every Service described in Sections 4.1 and 4.2, delivered over a single 12-month Service Period beginning on the Contract Start Date.
The 12-Month Investment option provides the identical scope of Services as the Pay In Full option for the same Program, through a 12-installment payment arrangement. Client's obligation to pay all installments survives regardless of funding outcome. See Section 7 for installment terms.
A Client enrolled in ApprovalReady™ or CashFlowReady™ may upgrade to Capital Qualified™ at any time during the Service Period. Client will receive a credit equal to the amounts Client has actually paid toward the current Program, applied against the Capital Qualified™ price in effect at the time of upgrade. The remaining balance, any adjusted installment schedule, and the Service Period for the added Program will be confirmed in writing at the time of upgrade.
CredFin recognizes revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers, and applicable GAAP. The following terms reflect CredFin's accounting policies and are binding contractual commitments.
| PO-1: Platform Access | Ongoing access to the CredFin AI Funding Platform — recognized ratably over the 12-month Service Period on a straight-line basis. |
| PO-2: Live Coaching & Support | Expert coaching access over 12 months — recognized ratably over the 12-month Service Period on a straight-line basis. |
| PO-3: Strategic Funding Consultation | One dedicated strategy session — recognized at the point in time the session is conducted. |
| PO-4: Personalized Funding Roadmap | Written capital strategy document — recognized at the point in time of delivery to Client. |
| PO-5: Bureau Profile Optimization & Credibility Foundation | Remediation and setup work on Client's business credit profiles and entity structure — recognized over time as activities are performed. |
| PO-6: Lender Match Services | Introduction of Client to lenders from CredFin's network — recognized at the point in time Client is matched or introduced to lender(s). |
| PO-7: Cash Flow Assessment | Lender-lens assessment of Client's cash flow — recognized at the point in time the assessment is delivered to Client. |
| PO-8: Financial Organization Support | Guidance on organizing financial statements, records, and banking practices — recognized over time as activities are performed. |
| PO-9: Personalized Growth Roadmap | Written growth plan — recognized at the point in time of delivery to Client. |
| PO-10: Capital Planning | Capital deployment plan — recognized at the point in time of delivery to Client. |
| PO-11: Live Coaching & Support | Coaching access over 12 months — recognized ratably over the 12-month Service Period on a straight-line basis. |
Capital Qualified™ comprises Performance Obligations PO-1 through PO-11, each recognized as described above.
CredFin allocates the Transaction Price to each distinct performance obligation on a relative standalone selling price basis, consistent with ASC 606-10-32-28 through 32-41. Standalone selling prices are determined by reference to observable prices when available, or estimated using the expected cost-plus-margin method. Allocation methodology is maintained in CredFin's internal revenue accounting records.
No variable consideration (refunds, credits, discounts) is included in the Transaction Price at contract inception except as expressly provided in Section 10 (Refund Policy) and Section 4.5 (Upgrades). Any variable consideration is estimated using the expected value method or most-likely-amount method, constrained to the extent it is probable that a significant revenue reversal will not occur.
The 12-Month Investment option spans 12 months from initial payment to final installment. In accordance with the practical expedient under ASC 606-10-32-18, CredFin has determined that the payment schedule does not represent a significant financing component, as the period between transfer of services and customer payment does not exceed one year for any individual performance obligation. Accordingly, no adjustment for a financing component is made to the Transaction Price.
Any change to the scope or price of Services (including upgrades from ApprovalReady™ or CashFlowReady™ to Capital Qualified™) constitutes a contract modification. Modifications are treated as a separate contract if distinct services are added at standalone selling price, or as a modification of the existing contract otherwise, consistent with ASC 606-10-25-10 through 25-13.
Incremental costs of obtaining a contract (e.g., sales commissions) are capitalized and amortized on the same basis as the related performance obligations if the amortization period would exceed one year, consistent with ASC 340-40. For short-duration contracts where services are delivered within one year, the practical expedient under ASC 340-40-25-4 applies.
Client agrees to:
Full payment is due at enrollment. Services commence upon payment confirmation. Returned or disputed payments will result in immediate suspension of access pending resolution.
| Program | Initial Payment (at enrollment) | Monthly Installments | Total |
|---|---|---|---|
| Capital Qualified™ | $1,500.00 | 11 × $500.00 | $7,000.00 |
| ApprovalReady™ | $697.00 | 11 × $289.00 | $3,876.00 |
| CashFlowReady™ | $697.00 | 11 × $289.00 | $3,876.00 |
Payments are processed by a third-party payment processor. Client's use of payment services is governed by the processor's separate terms of use. CredFin does not store full payment card data.
IMPORTANT — Please Read Carefully: CredFin provides advisory, coaching, educational, and lender introduction services only. CredFin does NOT guarantee, and expressly disclaims any guarantee of:
Funding and business outcomes depend on Client's individual business profile, credit history, financial condition, lender underwriting criteria, economic conditions, and other factors outside CredFin's control. CredFin's obligation is to deliver the specific Services enumerated in Sections 4 and 5; it is NOT to secure financing on Client's behalf.
Client acknowledges that past outcomes described in marketing materials are illustrative of prior results and are not guarantees of future performance.
The following are expressly outside the scope of CredFin's Services under this Agreement:
If Client requires legal, tax, accounting, or licensed financial services, Client should engage qualified licensed professionals independently.
CredFin will honor a full refund if Client requests cancellation within three (3) business days of the Contract Start Date, provided Client has not yet received or accessed any of the following included in Client's Program: (a) the Platform, (b) the Strategic Funding Consultation, (c) the Personalized Funding Roadmap, (d) the Cash Flow Assessment, or (e) any CashFlowReady™ coaching session. After this 3-day window, or upon delivery of any of the foregoing, no refund will be issued except as required by applicable law.
The same 3-business-day cancellation right applies to the initial payment only. If cancelled within the window, the initial payment ($1,500 for Capital Qualified™; $697 for ApprovalReady™ or CashFlowReady™) is refunded in full and no further installments are due. After the window has passed, Client remains obligated for all remaining installments per Section 7.2. No refund is available after the 3-day window.
Amounts paid to upgrade to Capital Qualified™ under Section 4.5 are refundable only if Client requests cancellation of the upgrade within three (3) business days of the upgrade date and has not received or accessed any deliverable of the added Program. Amounts paid toward Client's original Program remain subject to Sections 10.1 and 10.2.
Refund requests must be submitted in writing to [email protected] within the applicable window. Approved refunds will be processed within 10 business days to the original payment method.
Client agrees to contact CredFin directly before initiating any payment dispute or chargeback with a financial institution. Unilateral chargebacks for non-fraudulent charges constitute a breach of this Agreement, and CredFin reserves the right to pursue collection of the full unpaid balance plus reasonable attorneys' fees and costs.
All content, software, tools, methodologies, frameworks (including the Capital Qualified™ + Lender Match™ System, ApprovalReady™, and CashFlowReady™), training materials, templates, dashboards, and branding provided through the Services are the proprietary intellectual property of CredFin, Inc. or its Program Partner, as applicable. Client receives a limited, non-exclusive, non-transferable license to access and use such materials solely for Client's own business purposes during the Service Period.
Client may not reproduce, distribute, sublicense, resell, publicly display, or create derivative works from any CredFin or Program Partner materials. Upon expiration or termination of the Service Period, Client's license to Platform access terminates. Client retains ownership of all data and information Client provides to CredFin.
Each party agrees to keep the other party's confidential information (including business plans, financial information, pricing, client lists, and proprietary methodologies) strictly confidential and not to disclose it to any third party without prior written consent, except as required by law or legal process, or as permitted by Section 4.2.1 for delivery of CashFlowReady™ Services. CredFin will require its Program Partner to maintain the confidentiality of Client information on terms no less protective than this Section. This obligation survives termination of this Agreement for three (3) years.
CredFin will handle Client's personal and business data in accordance with its Privacy Policy available at credfin.ai/privacy-policy.
THE SERVICES, PLATFORM, AND ALL MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, CREDFIN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CREDFIN DOES NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF SECURITY VULNERABILITIES.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CREDFIN'S TOTAL LIABILITY TO CLIENT FOR ANY CLAIM ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY CLIENT TO CREDFIN IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. IN NO EVENT SHALL CREDFIN BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOSS OF BUSINESS OPPORTUNITY, OR DAMAGE TO CREDIT, EVEN IF CREDFIN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the above limitations apply to the maximum extent permitted by law.
Client agrees to indemnify, defend, and hold harmless CredFin, Inc., its officers, directors, employees, agents, Program Partner, and successors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Client's breach of this Agreement; (b) Client's misrepresentation to CredFin, its Program Partner, or any lender; (c) Client's violation of any law; or (d) any dispute between Client and a lender to whom Client was introduced.
This Agreement commences on the Contract Start Date and continues for the duration of the applicable Service Period (12 months for all Programs), unless earlier terminated.
CredFin may terminate this Agreement immediately upon written notice if: (a) Client breaches any material term and fails to cure within 10 days of written notice; (b) Client provides materially false or fraudulent information; (c) Client engages in abusive, harassing, or threatening conduct toward CredFin or Program Partner personnel; or (d) Client initiates an unauthorized chargeback. Upon such termination, all remaining installment obligations remain due.
Client may terminate this Agreement at any time upon written notice, subject to the refund provisions of Section 10. Termination does not relieve Client of payment obligations for installments already due or for the full remaining balance under the 12-Month Investment option.
Upon termination or expiration, Client's access to the Platform and all CredFin materials will be revoked. Sections 5, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, and 20 survive termination.
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE SERVICES, OR THE RELATIONSHIP BETWEEN THE PARTIES SHALL BE RESOLVED EXCLUSIVELY BY BINDING INDIVIDUAL ARBITRATION under the Commercial Arbitration Rules of the American Arbitration Association ("AAA"), except as expressly provided below. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
CLIENT AND CREDFIN EACH WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one party's claims.
Either party may bring an individual claim in small claims court in Miami-Dade County, Florida, if the claim qualifies under the applicable jurisdictional limits.
Before filing for arbitration, the disputing party must provide 30 days' written notice to the other party describing the claim and desired resolution. The parties agree to negotiate in good faith during this period.
Arbitration shall take place in Miami-Dade County, Florida, or remotely by agreement. Filing fees are split equally unless the arbitrator awards otherwise. Each party bears its own attorneys' fees unless a statute provides otherwise or the claim is found to be frivolous.
This Agreement is governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles, except that the Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs all arbitration provisions. For matters outside arbitration (e.g., small claims, injunctive relief), the parties consent to exclusive jurisdiction in the state and federal courts located in Miami-Dade County, Florida.
Client consents to receive all communications from CredFin electronically, including this Agreement, invoices, receipts, account notices, and disclosures. Completion of enrollment and online payment constitutes Client's electronic signature and binding acceptance of this Agreement under the Electronic Signatures in Global and National Commerce Act (E-SIGN, 15 U.S.C. § 7001 et seq.) and the Florida Electronic Signature Act (§ 668.50, Fla. Stat.). Such electronic acceptance has the same legal force and effect as a handwritten signature.
Client may request a paper copy of this Agreement by emailing [email protected].
This Agreement, together with the order confirmation, constitutes the entire agreement between the parties regarding its subject matter and supersedes all prior negotiations, representations, or agreements. No terms on any Client purchase order or other document shall modify this Agreement.
CredFin may amend this Agreement upon 30 days' written notice to Client. Client's continued use of the Services after such notice constitutes acceptance. If Client does not accept the amended terms, Client may terminate per Section 16.3 without penalty on installment obligations only if the amendment materially reduces the Services.
If any provision of this Agreement is found invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.
No waiver by CredFin of any right or breach shall constitute a waiver of any subsequent right or breach. Waivers are effective only in writing signed by CredFin.
Client may not assign this Agreement or any rights hereunder without CredFin's prior written consent. CredFin may assign this Agreement in connection with a merger, acquisition, or sale of substantially all of its assets.
Neither party is liable for delay or failure to perform due to causes beyond their reasonable control (e.g., natural disasters, government actions, internet outages, pandemics), provided the affected party gives prompt written notice and uses commercially reasonable efforts to mitigate.
Notices to CredFin must be sent to [email protected] or CredFin, Inc., 1395 Brickell Ave, Ste 800, Miami, FL 33131. Notices to Client are sent to the email address provided at enrollment.
CredFin's Services are provided to businesses and are not "credit repair" services subject to the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), which applies to consumer credit repair. CredFin does not dispute negative items on consumer credit reports and does not represent that negative information can be removed from consumer credit files.
CredFin is not a licensed mortgage broker, loan broker, securities broker-dealer, investment adviser, certified public accountant, or bank. The Lender Match service is an educational introduction service only; CredFin does not negotiate loan terms, execute loan agreements, or act as agent for any lender. Clients are encouraged to conduct independent due diligence on any lender and review all loan terms carefully before executing any financing agreement.
Nothing in this Agreement limits any rights Client may have under the Florida Deceptive and Unfair Trade Practices Act (§ 501.201 et seq., Fla. Stat.) or other mandatory consumer protection laws to the extent applicable.
By completing enrollment and submitting payment, Client confirms that they:
By providing a mobile phone number to CredFin, Inc. and agreeing to these Terms, you consent to receive recurring automated and manually dialed SMS and MMS text messages from CredFin, Inc. at the number provided. These messages may include appointment reminders, workshop confirmations, follow-up communications, program updates, and promotional messages related to our Services. Carriers are not liable for delayed or undelivered messages. You must be 18 years of age or older to use this SMS service.
For additional information on how we collect and use your data, including mobile phone numbers, see our Privacy Policy at credfin.ai/privacy-policy.
Electronic acceptance via online checkout constitutes a legally binding signature under the E-SIGN Act and Florida law.
CredFin, Inc.
1395 Brickell Ave, Ste 800, Miami, FL 33131