Gibor Capital Terms and Conditions
1. Introduction Welcome to Gibor Capital. These Terms and Conditions govern the use of our financial services, including Merchant Cash Advances (MCA) and Small Business Administration (SBA) loans, in compliance with NYC laws and regulations. By using our website and services, you agree to be bound by these Terms and Conditions.
2. Eligibility To be eligible for funding from Gibor Capital, applicants must:
Be at least 21 years old.
Own a registered business in the United States.
Provide accurate financial and business information.
Comply with all applicable federal, state, and local laws.
3. Loan and Funding Services Gibor Capital provides alternative lending options, including Merchant Cash Advances and SBA loans. Funding amounts, repayment terms, and interest rates vary based on creditworthiness, revenue, and other risk assessments.
4. Merchant Cash Advance (MCA)
MCA funding is not a loan but an advance on future receivables.
Repayment is structured as a percentage of daily or weekly sales.
The amount advanced and repayment structure will be outlined in the funding agreement.
Early repayment may not reduce the total amount owed.
5. SBA Loans
SBA loans are subject to federal guidelines and require specific documentation.
Loan approval is not guaranteed and depends on credit history, business revenue, and government eligibility criteria.
Borrowers must comply with all SBA loan terms and conditions, including repayment schedules and use of funds.
6. Fees and Interest Rates
Fees and interest rates are clearly stated in all agreements before funding is disbursed.
Late payments may result in penalties and increased costs.
Borrowers are responsible for understanding all costs associated with funding.
7. Compliance with NYC Laws
Gibor Capital adheres to New York City consumer protection laws, ensuring transparency in all financial transactions.
We provide clear disclosures regarding terms, fees, and repayment structures.
Borrowers have the right to request a full breakdown of their financial obligations before accepting funding.
8. Default and Collections
Failure to meet repayment obligations may result in collection efforts.
Gibor Capital reserves the right to take legal action to recover outstanding amounts.
Defaulting on SBA loans may lead to federal action or asset seizure.
9. Privacy and Data Protection
Personal and business data collected is used strictly for funding evaluation and regulatory compliance.
We do not sell or share client information with third parties without consent, except as required by law.
10. Limitation of Liability
Gibor Capital is not responsible for business losses resulting from funding decisions.
We do not guarantee business success or profitability from funds obtained.
Liability for claims related to funding services is limited to the amount funded.
11. Amendments – Gibor Capital reserves the right to modify these Terms and Conditions at any time. Changes will be posted on our website and will take effect upon publication.
12. Governing Law These Terms and Conditions are governed by the laws of the State of New York. Any disputes shall be resolved in NYC courts.
13. Contact Information For questions or concerns regarding these Terms and Conditions, contact us below.
14. User Consent and Agreement – By using our website and services, users acknowledge that they have read and agreed to these Terms and Conditions, including our privacy policy.
Privacy and Data Protection
- Personal and business data collected is used strictly for funding evaluation and regulatory compliance.
- We do not sell or share client information with third parties without consent, except as required by law.
- Data security measures are in place to protect personal and business information from unauthorized access.
- Users may request access, correction, or deletion of their personal information by contacting Gibor Capital.
- Website Use, Cookies, and Data Policy
- Our website may use cookies to enhance user experience and track website usage analytics.
- By using our website, you consent to the use of cookies in accordance with our privacy policy.
- Users may disable cookies in their browser settings, though this may affect website functionality.We collect and process data in compliance with applicable data protection laws.
- Information collected may include personal identifiers, business details, and transactional data
Phone
Address
789 Finance Ave. Suite 500, New York, NY 10018
Step 1: Initial Contact
Reach out to us via phone or email to discuss your business needs and how we can assist you with our financing options.
OR... Apply With Our Link
Click our FAST FORM above to provide information about your business, including revenue details and operational history, to help us tailor the best solution for you.
Step 3: Review Financing Options
Our team will analyze your information and present you with suitable financing options that align with your business goals.
Step 4: Receive Funding
Once you select the financing option, we expedite the process to ensure you receive the funds quickly, allowing your business to continue growing.
Our Financing Solutions
Merchant Cash Advances
Unlock immediate working capital with our flexible merchant cash advances, tailored to meet the unique needs of your business.
Business Receivable Factoring
Convert your outstanding invoices into cash quickly, helping you maintain a steady cash flow and focus on growth.
Tailored Financial Plans
Benefit from customized financial strategies designed to support the expansion and sustainability of your business.
Quick Approval Process
Experience a streamlined application process with fast approvals, ensuring you get the funds you need without delay.
What Our Clients Say
“Gibor Capital’s merchant cash advance was a game-changer for my boutique. The process was quick, and the funds helped me expand my inventory just in time for the holiday season.”
“Thanks to Gibor Capital’s receivable factoring, I was able to manage my cash flow more effectively and focus on growing my restaurant business.”
“The personalized financial plan from Gibor Capital provided the support we needed to launch our new product line successfully.”
“I appreciate the fast approval process. Gibor Capital made it easy to secure the funds necessary for my latest project.”
“Gibor Capital’s solutions have been instrumental in helping us maintain a healthy cash flow during seasonal fluctuations.”
“The team at Gibor Capital truly understands small business needs. Their support has been invaluable to our agency’s growth.”