Disclosures

Commercial financing only

Longevity Capital provides financing to business entities for business purposes only. We do not offer consumer loans, residential mortgages, personal lines of credit, student loans or credit repair services. Products described on this site are not subject to the federal Truth in Lending Act, which applies to consumer credit.

No guarantee of approval

All financing is subject to credit approval, underwriting review, verification of submitted information, and execution of definitive agreements. Nothing on this website is an offer or commitment to lend. Approval amounts, rates, fees and terms vary by applicant and are determined case by case.

Advertised amounts and timelines

Maximum funding amounts shown represent the upper limit available across our product set to the strongest qualifying applicants. Most approvals are for substantially less. Funding timelines described as "same day," "24 hours," "as little as 4 hours" or similar reflect the fastest observed outcomes for complete applications submitted during business hours with no verification issues. They are not typical, not guaranteed, and do not apply to SBA loans, which routinely take 30 to 90 days.

Examples and illustrations

Funding amounts, payment examples and estimator results shown on this site are illustrations only and are not offers or commitments to lend. Product ranges describe what is available through Longevity Capital and its funding partners; the amount, term and cost offered to any business depend on its revenue, time in business, credit profile and other underwriting factors. Individual results vary.

Cost of capital

Different products on this site are priced differently. Term loans, lines of credit, equipment financing and SBA loans are generally priced as an annualized interest rate. Working capital advances and revenue-based financing are generally priced as a factor rate — a fixed multiplier applied to the amount advanced.

A factor rate is not an interest rate and is not comparable to one. A 1.20 factor rate repaid over six months represents an effective annualized cost far in excess of 20%. Every offer we present states the total dollar amount to be repaid, the payment amount and frequency, all fees, and an estimate of the effective annualized cost. Where state law requires a specific commercial financing disclosure format, that format is provided.

Estimator tool

The funding estimator on this website is an illustration only. It applies a generic representative factor and does not reflect your business, your credit profile, or any offer available to you. It is not a quote, a pre-qualification, or an offer of credit.

Third-party lending partners and compensation

Certain products described on this site are originated, underwritten, funded or serviced by third-party lending partners rather than by Longevity Capital. Where we refer an applicant to a partner, we may receive compensation from that partner, which may vary by product and by partner. This compensation is disclosed to you in writing before you enter into any agreement. Advisor compensation is not structured to reward steering applicants toward higher-cost products.

Personal guarantees and UCC filings

Most business financing, including products described as "unsecured," requires a personal guarantee from one or more business owners and the filing of a UCC-1 financing statement against general business assets. A personal guarantee means you may be personally liable for the obligation if the business does not pay. These requirements are stated in your agreement.

Credit inquiries

Submitting an application and reviewing your options generally involves a soft credit inquiry, which does not affect your credit score. If you accept an offer and proceed to funding, a hard inquiry may be made, which can affect your score. You will be informed before a hard inquiry occurs.

No fees to apply

Longevity Capital does not charge an application fee, a packaging fee, or any upfront fee to review your request. If anyone claiming to represent us asks you to wire funds in advance to secure financing, do not send money — contact us directly at (727) 201-4826 to verify.

State availability

Products are not available in all states, and terms may differ by state. Certain states require specific commercial financing disclosures, licensing, or registration; where applicable, those requirements are met and the required disclosures are provided before you sign.

Not professional advice

Nothing on this site constitutes legal, tax, accounting or investment advice. References to potential tax treatment, including Section 179, are general information only — consult a qualified tax professional regarding your situation.

Questions

Longevity Capital
Email: ops@longevitycapital.info
Phone: (727) 201-4826