Terms of Service
Last updated 2026
Not a bank or lender
Merchant Signals Capital is a financial technology company, not a bank. We do not make credit decisions or issue capital ourselves. We collect your application and may share it with participating funding companies who evaluate it and, if approved, contract with you directly.
No guarantee of approval
Submitting an application does not guarantee approval, funding, an offer, any particular amount, rate, term, or funding speed. Any figures shown on this site are illustrative ranges, not offers of credit.
Your application
You confirm that you are authorized to act for the business you submit and that the information you provide is accurate and complete. You authorize us and participating funding companies to contact you by email or phone about your request. Submitting this form does not create a hard credit inquiry.
Acceptable use
You may not use this site to submit false information, to scrape or disrupt the service, or for any unlawful purpose. We may decline or remove any application at our discretion.
Disclaimer and limitation of liability
This site and its content are provided "as is" without warranties of any kind. To the fullest extent permitted by law, Merchant Signals Capital is not liable for indirect, incidental, or consequential damages arising from your use of the site or from any financing you obtain through a third party.
Contact
Questions about these terms? Email mc@merchantsignalscapital.com.
Costs and fees
Merchant Signals Capital is a financial technology company, not a bank or lender, and we do not issue capital. There is no fee to apply or to check eligibility. If you accept an offer, the participating funding company sets the cost — typical MCA-style working capital uses a factor rate and a share of daily receipts rather than a simple APR, and any origination, ACH, or other fees are disclosed in that funder's contract before you sign. Figures shown on this site are illustrative, not an offer of credit. Submitting an application does not guarantee approval, any amount, or any funding timeline, and this form does not create a hard credit pull.