Terms of Service

Acceptance of Terms

By accessing or using the Solstice Capital website (the "Site") and any related services (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Services. We may make these Terms available to you through the Site, and your continued use constitutes ongoing acceptance.

Eligibility

You must be at least 18 years old and authorized to act on behalf of the business you represent to use the Services. By using the Services, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.

Our Services

Solstice Capital provides an online platform that helps small businesses explore and apply for financing products, including lines of credit, term loans, equipment financing, invoice factoring, merchant cash advances, and SBA loans. Solstice Capital is a financing and technology company and is not a bank.

• We may present funding options based on the information you provide.
• We may refer or connect you with third-party lenders or funding partners.
• Availability of any particular product is not guaranteed and may vary.

Applications & No Guarantee

Submitting an application or inquiry does not guarantee approval, funding, or any particular terms. All financing is subject to credit approval, underwriting, verification, and applicable law. Estimates, calculators, and illustrative figures shown on the Site are for informational purposes only and do not constitute an offer of credit.

Fees & Rates

Rates, fees, amounts, and repayment terms vary by applicant, product, and funding partner, and are disclosed before you accept any offer. You are responsible for reviewing and understanding all terms applicable to a financing product before entering into an agreement. The Site itself is free to browse.

User Obligations

When using the Services, you agree that you will:

• Provide accurate, current, and complete information.
• Use the Services only for lawful business purposes.
• Not attempt to interfere with, disrupt, or gain unauthorized access to the Site or its systems.
• Not misrepresent your identity or your authority to act for a business.
• Comply with all applicable laws and regulations.

Disclaimers

The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure. Nothing on the Site constitutes financial, legal, or tax advice.

Limitation of Liability

To the fullest extent permitted by law, Solstice Capital and its affiliates, officers, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the Services, even if advised of the possibility of such damages.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law principles. Any dispute arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Travis County, Texas.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Material changes may be communicated through the Site. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms? Reach our team at legal@solsticecapital.com or by mail at Solstice Capital, LLC, 1200 Sunrise Boulevard, Suite 700, Austin, TX 78701. You can also call us at (800) 555-0199, Monday–Friday, 9:00am–6:00pm ET.