Terms of Service
Effective: February 9, 2026 · Last Updated: February 9, 2026
COMMERCIAL LOAN BROKER DISCLOSURE
TrustScore Business Funding, a division of TrustScore, LLC, is a commercial loan broker, NOT a direct lender.
We do not make loans or financing decisions. We connect businesses with third-party lenders and funding providers. All loan terms, rates, fees, and approval decisions are made exclusively by the lending partner. TrustScore may receive compensation (broker fees, commissions, or referral fees) from lending partners for successful placements.
Pre-qualification through TrustScore does not constitute a commitment to lend, guarantee approval, or guarantee any specific rate, term, or funding amount. The lending partner's underwriting process will determine final approval and terms.
State Disclosures: TrustScore complies with all applicable state commercial financing broker and disclosure laws, including California SB 1235 (commercial financing disclosures), New York Commercial Finance Disclosure Law, Virginia Commercial Financing Disclosure Act, and Utah Commercial Financing Registration Act.
1. Acceptance of Terms
By using TrustScore Business Funding services, you agree to these Terms, our Privacy Policy, and applicable laws. If you do not agree, do not use our services.
2. Eligibility
- You must be at least 18 years old and a legal US resident
- You must be an authorized representative of the business applying for funding
- Your business must be legally registered and operating in the United States
- You must provide accurate, truthful information in all applications and documentation
3. Our Services
TrustScore Business Funding provides: commercial loan brokerage, business funding marketplace, merchant services setup, funding advisory and consultation. We are not a lender, bank, or financial institution.
4. Fees
- Application: Free — no application fees, ever
- Broker Fee: TrustScore may receive a broker fee or commission from the lending partner. This is disclosed before you accept any offer
- Lender Fees: Individual lenders may charge origination fees, closing costs, or other fees. All fees are disclosed in the lender's offer documents
- Merchant Services: Processing rates and equipment fees are disclosed before signup
5. Credit Inquiries
Soft Pull (Pre-Qualification): Our initial pre-qualification uses a soft credit inquiry that does NOT affect your credit score. You authorize this soft pull when you submit your application.
Hard Pull (Final Underwriting): If you accept an offer and proceed to formal underwriting, the lender may perform a hard credit inquiry. This WILL appear on your credit report. We will inform you before any hard pull occurs.
6. Disclaimers
- No Guarantee: Pre-qualification does not guarantee final approval, specific rates, or funding amounts
- Not a Lender: All funding decisions are made by third-party lenders. TrustScore has no control over lender decisions
- Not Financial Advice: Our services are informational and brokerage-based, not financial, legal, or tax advice
- Rate Estimates: APR ranges and rate estimates shown on our website are illustrative. Your actual rate depends on lender underwriting
- Testimonials: Client testimonials are individual experiences and not guarantees of results (FTC 16 CFR Part 255)
7. Regulatory Compliance
- TILA: Truth in Lending Act — applicable disclosures provided by lending partners
- ECOA: Equal Credit Opportunity Act — we do not discriminate based on protected characteristics
- BSA/AML: Bank Secrecy Act / Anti-Money Laundering — we verify business legitimacy
- State Laws: CA SB 1235, NY CFDL, VA CFDA, UT CFRA, and all applicable state commercial financing laws
- PCI-DSS: Payment Card Industry Data Security Standard for all merchant services
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TRUSTSCORE, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES OR ANY LENDING RELATIONSHIP FACILITATED THROUGH OUR PLATFORM. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.
9. Governing Law
These Terms are governed by New Mexico law and applicable federal laws. Disputes shall be resolved through binding arbitration in Bernalillo County, NM under AAA rules.
10. Contact
TrustScore Business Funding
1342 NM 333, Tijeras, NM 87059
Email: legal@trustscore.com · Phone: 1-800-TRUST-99