Last updated: September 1, 2025
1. Our Role
Reveal Lending is a lending marketplace. We help businesses connect with trusted lenders to compare financing options. We do not originate loans, make credit decisions or broker credit on your behalf, and we never charge fees. All loan amounts, rates, fees, repayment schedules and other terms are set by the lender and will be fully disclosed in the lender’s agreement.
2. Fair Lending & Equal Opportunity
We and our lender partners comply with the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA). Credit decisions are based solely on objective criteria and are not influenced by race, color, religion, national origin, sex, marital status, age, receipt of public‑assistance income or the exercise of consumer‑protection rights.
Reveal Lending supports these principles and works only with lenders that do the same.
3. Information Use & Privacy
When you submit a financing request, you authorize Reveal Lending and participating lenders to obtain business and personal information needed to evaluate your inquiry.
We use this information only to match you with lenders and for internal analytics. Your data is handled according to our Privacy Policy and is not sold to third parties.
4. No Guarantees on Approval or Timing
Promotional phrases such as “pre‑approval in minutes,” “24‑hour approvals,” or “same‑day funding” are estimates. Actual approval and funding times vary by lender and applicant qualifications. Reveal Lending does not guarantee that any applicant will receive a loan offer or that funds will be available within a specific timeframe.
5. State‑Specific Commercial Financing Disclosures
Several U.S. states require providers of commercial financing (including marketplace partners) to give cost disclosures at the time of offer. We ensure that our lender partners comply with these laws. If your business is located in one of the states below, the lender will provide the required disclosure before you accept an offer.
● California: Commercial lenders must provide written disclosures showing the total financing amount, total cost of financing, payment amounts and schedules, and prepayment terms. Loans offered through our platform are made or arranged by lenders licensed under the California Financing Law.
● Connecticut: Registered providers offering commercial financing up to $250,000 must disclose the financing amount, finance charges, fees deducted or withheld, total repayment amount, repayment period and schedule, and prepayment terms.
● Florida: Commercial financing up to $500,000 must include a disclosure of the amount financed, total cost of financing, annual percentage rate (if applicable), payment schedule and fees.
● Georgia: Applies to commercial financing up to $500,000 for providers with more than five transactions per year. Required disclosures include the total funds provided and disbursed, total repayment amount, total cost of financing, payment schedule and any prepayment costs.
● Kansas: Providers consummating more than five commercial financing transactions per year must register and disclose total funds provided, total funds disbursed, total repayment amount, total cost of financing, payment schedule and prepayment terms for financing up to $500,000.
● Missouri (effective Feb 28 2025): Providers of commercial financing up to $500,000 must disclose the total funds provided, total funds disbursed, total repayment amount, total cost of financing, payment schedule (including methodology for variable payments) and any prepayment costs. Brokers must register.
● New Jersey: New Jersey’s commercial financing disclosure law will require providers to give cost‑of‑financing disclosures. Implementation is pending; our lenders will comply once final regulations and forms are issued.
● New York: Requires an “offer summary” for commercial financing up to $2.5 million, including the amount financed, itemized finance charge, annual percentage rate, term, total repayment amount, payment frequency, fees and any prepayment penalties.
● Utah: Providers of commercial financing up to $1 million must register and disclose the total funds provided and disbursed, total repayment, total cost of financing, payment amounts (or methodology for variable payments), broker fees and prepayment costs.
● Virginia: Applies to sales‑based financing (e.g., merchant cash advances) up to $500,000 for providers or brokers with more than five transactions per year. Required disclosures include the amount provided, total repayment amount, finance charge, number of payments, payment amounts based on projected sales, fees, collateral, and broker compensation.
● Louisiana (effective Aug 1 2025): Revenue‑based financing providers must disclose the total funds provided, total funds disbursed after fees, total amount to be repaid, total cost of financing, payment schedule (or methodology for variable payments), and any prepayment costs.
● Texas (effective Sept 1 2025): Providers of commercial sales‑based financing must disclose the amount financed, total funds disbursed, total repayment amount, finance charge, payment amounts or methodology, fees and prepayment terms. Registration with the Texas Office of Consumer Credit Commissioner is required by Dec 31 2026. For states not listed above, there may be no specific commercial financing disclosure law at this time. Our lender partners comply with all applicable state and federal regulations, and we update our practices as laws change.
6. Additional Disclaimers & Limitations
● The information provided on this website is for general informational purposes only and should not be considered financial, legal, or tax advice. You should consult your own advisors before entering into any financing agreement.
● Reveal Lending strives to keep information accurate and up to date, but we do not warrant or represent that any information on this site is correct, complete or current. We rely on information provided by lenders and other third parties and are not responsible for errors or omissions.
● No guarantee of matches or offers: We do not guarantee that we will match every applicant with a lender, or that any lender will extend an offer. We do not guarantee that any loan terms or rates will meet your specific needs.
● Use at your own risk: You use our site and services at your own risk. Reveal Lending is not liable for any direct, indirect, incidental or consequential damages arising from your use of this site, your reliance on any information provided, or your interactions with lenders.
● Compliance with laws: You agree to use our services only for legitimate business purposes and to comply with all applicable federal, state and local laws.
7. Licensing & Availability
All financing offers through Reveal Lending are made by lenders operating under the appropriate licences or exemptions in the states where they do business. Some products may not be available in every state. Approval and funding are subject to each lender’s underwriting criteria.
8. Contact Us
If you have any questions about our services or the disclosures you receive, please contact us. We’re here to help.
