These disclosures set out the part Frostpine Loans plays in a Goshen, IN business funding request: it is a broker that introduces requests to funding partners, and the partners decide.
Frostpine Loans is a broker, not a lender. It introduces Goshen, IN business funding requests to funding partners, which review them, set any terms and decide. A merchant cash advance is not a loan. Figures on the site come from Census Bureau programs, and worked examples are invented.
Frostpine Loans introduces requests and makes no credit decisions
Frostpine Loans is a broker, not a lender. It does not lend money, advance funds against card sales or decide any request. Its part is the conversation about the cost and, with the owner's go-ahead, the introduction of the request to funding partners that offer the type of funding the cost calls for.
Any offer, its price and its conditions come from a funding partner
Rates, factor rates, fees, terms, collateral and any requirement that an owner sign personally are set by the funding partner that makes an offer. A partner may decline a request, and calling Frostpine Loans or sending the request form creates no expectation of an offer, an amount or a timeline. Any agreement is signed with the partner, and every page of it is worth reading before signing.
The merchant cash advance on this site is collected from card sales
A merchant cash advance is not a loan. A provider buys a share of future card receipts at a factor and collects it as a percentage of card sales, so how long collection takes follows the business's sales, not a fixed schedule. The merchant cash advance page works through holdbacks and factors with invented figures.
What the Census figures and the payment examples on Frostpine Loans pages are
Business counts, payroll totals and similar figures on this site come from Census Bureau programs, each named with its year next to the figure. Payment examples are invented and computed for illustration; they are not offers or quotes from any funding partner.
Phone calls and texts after a request is sent
Frostpine Loans and funding partners may call or text the number given on the request form, under the consent wording next to the form's checkbox. Replying STOP ends texts and HELP returns contact information; the SMS terms and the privacy policy give the details. Questions or complaints about any of this go to (574) 369-5896.
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