Terms & Conditions

These Terms of Use (the “Terms”) form a binding agreement between you and Stewards Business Capital, a specialized financing division of Stewards Inc. (EIN 88-0436017) (“Stewards”, “we”, “us”), in respect of your access to and use of the Stewards portal, including any applications submitted for commercial financing.

By creating an account, submitting an application or otherwise using the portal, you confirm that you have read, understood and agreed to these Terms on behalf of the business you represent.

The Stewards portal is intended for use by officers, owners or authorized representatives of US-based businesses that are trading and generating revenue. You confirm that you are at least 18 years old and that you are authorized to act on behalf of the business.

• You must provide accurate, current and complete information.
• You must keep your login credentials and passkeys secure.
• You must notify us immediately of any unauthorized access.

Stewards provides commercial financing products exclusively for business purposes, including revenue-based financing, business lines of credit and equipment financing. We do not offer consumer loans, personal loans, residential mortgages or investment advisory services. By applying, you confirm that funds will be used solely for business purposes.

Key commercial terms of any facility — amount, pricing, duration, payment mechanics and finance charges — are set out in your offer summary and executed financing agreement. Those documents, not these Terms of Use, govern the financing itself.

Submission of an application does not guarantee approval, specific funding amounts, pricing or timelines. All approvals are subject to underwriting review, compliance verification and risk assessment.

By submitting an application, you authorize Stewards and its designated partners to verify business information, obtain business and (if applicable) consumer credit reports, verify bank account activity, perform identity verification, conduct fraud prevention screening and complete OFAC and AML compliance checks.

Any indicative offer presented in the portal is non-binding and may be withdrawn or amended at any time prior to drawdown. A facility only becomes binding once a written agreement has been signed by all parties and funds have been disbursed.

To assess your application, we may ask you to connect read-only feeds from your bank account, accounting software and payment processors, or to upload recent bank statements. You authorize Stewards and our service providers to retrieve, store and analyze this data for the purposes set out in our Privacy Policy.

You can revoke these connections at any time from within the portal, although doing so may prevent us from progressing or maintaining your facility.

Automated debits require written authorization within executed agreements. ACH processing complies with NACHA operating rules and applicable federal banking standards.

By using our website and executing agreements electronically, you consent to electronic signatures and electronic delivery of records in accordance with the Federal ESIGN Act and Uniform Electronic Transactions Act (UETA).

You agree not to:

• Submit false, misleading or fraudulent information.
• Use the portal in a way that infringes the rights of any third party or contravenes any applicable law.
• Attempt to access, probe or interfere with our systems, or use scraping, automation or reverse-engineering tools.
• Share your login credentials with anyone outside your business or permit unauthorized use of your account.

The Stewards portal, including its software, design, text, logos and the “Stewards Business Capital” brand, is owned by or licensed to Stewards. You are granted a limited, non-exclusive, non-transferable license to use the portal for the purpose of applying for and managing finance with Stewards.

The portal is provided on an “as is” basis. To the fullest extent permitted by law, Stewards excludes all warranties, conditions and representations not expressly set out in these Terms.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable US law, including liability for fraud or fraudulent misrepresentation.

We may update these Terms from time to time. Where changes are material, we will notify you through the portal or by email. Continued use of the portal after the effective date of the updated Terms constitutes acceptance of the changes.

All financing agreements are governed by the laws specified in the executed contracts. Dispute resolution provisions, including arbitration clauses where applicable, are defined within signed agreements. These Terms of Use are governed by the laws of the State of Florida.

Questions about these Terms? Email support@stewardsbusinesscapital.com.

Stewards Business Capital provides commercial financing products exclusively for business purposes. We do not offer consumer loans, personal loans, residential mortgages or investment advisory services. By applying with us, you confirm that funds will be used solely for business purposes.

Submission of an application and a minimum of three months of bank statements does not guarantee approval, specific funding amounts, pricing or timelines. All approvals are subject to underwriting review, compliance verification and risk assessment.

By submitting an application, you authorize Stewards Business Capital and its designated partners to verify business information, obtain business and (if applicable) consumer credit reports, verify bank account activity, perform identity verification, conduct fraud prevention screening and complete OFAC and AML compliance checks.

Where required by state law, Stewards Business Capital maintains appropriate commercial finance broker registrations and complies with applicable state-level commercial financing disclosure laws.

In jurisdictions requiring bonding for commercial finance brokers, surety bonds are maintained and filed with appropriate state authorities in accordance with statutory requirements.

Where required by law, we provide state-mandated disclosures prior to contract execution, including total repayment amount, estimated APR (if applicable), payment frequency, finance charges, prepayment policies and broker compensation disclosures where applicable.

Where applicable, financing agreements may require filing of a UCC-1 financing statement. We maintain internal procedures governing UCC authorization language, filing accuracy, amendment tracking and release procedures upon satisfaction of obligations.

All automated debits require written authorization within executed agreements. ACH processing complies with NACHA operating rules and applicable federal banking standards.

Where legally permitted and contractually agreed, confession of judgment provisions may be included. Such provisions are excluded where prohibited by law and enforced only in accordance with governing statutes.

We comply with the Telephone Consumer Protection Act (TCPA) and related communication laws. We maintain opt-in tracking logs, timestamped consent records and opt-out processing systems.

We maintain Anti-Money Laundering (AML) procedures including OFAC sanctions screening, identity verification protocols, fraud detection systems and suspicious activity monitoring.

We utilize commercially reasonable administrative, technical and physical safeguards including SSL encryption, secure API connections, encrypted data transmission, role-based access controls and secure document storage.

The client portal provides informational access to payment history, account summaries and funding status. Official obligations are governed solely by executed financing agreements.

By using our website and executing agreements electronically, you consent to electronic signatures and electronic delivery of records in accordance with the Federal ESIGN Act and Uniform Electronic Transactions Act (UETA).

By submitting your information, you consent to receive SMS messages regarding application status, funding updates and account notifications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time.

California residents have the right to request access to, deletion of or correction of personal information. We do not sell personal information for monetary consideration. Requests may require identity verification.

We strive to comply with WCAG 2.1 accessibility standards and provide reasonable accommodations for individuals experiencing difficulty accessing our website.

California residents may request that we not share personal information for cross-context behavioral advertising purposes.

We use cookies and similar technologies to enhance user experience, analyze traffic and improve marketing performance. Users may disable cookies through browser settings.

We do not discriminate on the basis of race, color, national origin, religion, gender, sexual orientation, age, disability or any other protected status. Financing decisions are based on legitimate business factors.