Terms of Service

Merit Ridge Group LLC — last updated November 9, 2026

Agreement

These terms govern your use of meritridgegroup.com and any services Merit Ridge Group LLC ("Merit Ridge," "we," "us") provides through it, including our application form and messaging programs. By using this site or submitting an application, you agree to these terms. If you do not agree, do not use the site.

What Merit Ridge does, and does not do

Merit Ridge Group LLC is a commercial finance brokerage. We review information and documents you provide, identify third-party funders whose criteria your file may fit, and submit your file to those funders with your authorization.

Merit Ridge is not a lender. We do not provide credit, we do not fund transactions with our own capital, and we do not make approval decisions. Every financing decision, including whether to make an offer and on what terms, is made solely by the independent third-party funder. Any agreement for financing is between you and that funder, not with us.

No guarantee of approval

Submitting an application does not create an obligation on anyone's part and does not guarantee that you will receive an offer. Nothing on this site, in any message we send, or in any conversation with us constitutes a commitment to provide financing or an offer of credit. Any figures discussed before a funder has reviewed your file are general information, not an offer.

Fees

Merit Ridge charges merchants no advance fee and no fee of any kind for brokerage services. We are compensated by a commission paid by the funder when a transaction closes. Funders may charge their own origination, underwriting, or other fees, which will be disclosed to you by the funder in their documents before you sign.

Business purpose only

The financing products we broker are for commercial and business purposes only. They are not consumer credit and are not subject to consumer lending protections. You represent that you are applying on behalf of a business and are authorized to do so.

Accuracy of information

You agree that the information and documents you provide are accurate, complete, and yours to share. You authorize Merit Ridge to transmit that information to third-party funders for the purpose of evaluating your request. Submitting falsified business or financial records is fraud, and we will not knowingly submit a file we believe to contain them.

Third-party funders

Funders are independent companies. We do not control them and are not responsible for their underwriting criteria, their decisions, the terms they offer, their fees, their servicing practices, or their handling of your information once it reaches them. Review any funder's agreement in full before signing it.

Messaging program terms

If you opt in to SMS messages from Merit Ridge Group LLC, the following applies:

• You will receive messages about your business financing inquiry. Message frequency may vary.
• Standard message and data rates may apply. Your carrier is not liable for delayed or undelivered messages.
• Reply STOP at any time to opt out. You will receive one confirmation and no further messages.
• Reply HELP for assistance, or contact us using the details below.
• Consent to receive text messages is not a condition of applying or of receiving financing options.
• Carriers supported may change, and not all handsets or carriers support all message types.

Our handling of mobile information is described in our Privacy Policy.

Acceptable use

Do not use this site to submit false information, to interfere with its operation, to attempt unauthorized access, or for any unlawful purpose.

Intellectual property

The content, design, and marks on this site belong to Merit Ridge Group LLC and may not be copied or reused without permission.

Disclaimer and limitation of liability

This site and its content are provided "as is," without warranties of any kind, express or implied. Nothing here is legal, tax, accounting, or financial advice, and you should consult your own advisors before entering into any financing. To the fullest extent permitted by law, Merit Ridge Group LLC is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of this site or from any transaction with a third-party funder.

Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict of law rules. Any dispute arising from these terms or your use of this site will be brought in the state or federal courts located in Broward County, Florida.

Changes

We may revise these terms. The date at the top reflects the most recent revision, and continued use of the site after a change means you accept the revised terms.

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