Terms and Conditions
Effective: November 11, 2019
These terms and conditions (the "Terms and Conditions") govern the use of operationlend.com (the "Site"). This Site is owned and operated by Operation Lend LLC. This Site is a loan underwriting terms of service.
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
Intellectual Property
All content published and made available on our Site is the property of Operation Lend LLC and the Site's creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.
Acceptable Use
As a user of our Site, you agree to use our Site legally, not to use our Site for illegal purposes, and not to:
-Violate the intellectual property rights of the Site owners or any third party to the Site;
-Hack into the account of another user of the Site; or
-Act in any way that could be considered fraudulent.
If we believe you are using our Site illegally or in a manner that violates these Terms and Conditions, we reserve the right to limit, suspend or terminate your access to our Site. We also reserve the right to take any legal steps necessary to prevent you from accessing our Site.
Accounts
When you create an account on our Site, you agree to the following:
You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and
All personal information you provide to us through your account is up to date, accurate, and truthful and that you will update your personal information if it changes.
We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms and Conditions.
Sale of Goods And Services
These Terms and Conditions govern the sale of goods and services available on our Site.
The following goods are available on our Site:
-Loan Approval Fees;
-Business Plans;
-Corporate Structuring;
-Website Development; and
-Anything that helps our clients obtain the funding they need..
The following services are available on our Site:
-Loan Underwriting.
The services will be paid for in full sometimes when the order is placed and others when the loans are funded to clients account.
These Terms and Conditions apply to all the goods and services that are displayed on our Site at the time you access it. This includes all products listed as being out of stock. All information, descriptions, or images that we provide about our goods and services are as accurate as possible. However, we are not legally bound by such information, descriptions, or images as we cannot guarantee the accuracy of all goods and services we provide. You agree to purchase goods and services from our Site at your own risk.
We reserve the right to modify, reject or cancel your order whenever it becomes necessary. If we cancel your order and have already processed your payment, we will give you a refund equal to the amount you paid. You agree that it is your responsibility to monitor your payment instrument to verify receipt of any refund.
Third Party Goods and Services
Our Site may offer goods and services from third parties. We cannot guarantee the quality or accuracy of goods and services made available by third parties on our Site.
Payments
We accept the following payment methods on our Site:
-Credit Card; and
-Debit.
When you provide us with your payment information, you authorize our use of and access to the payment instrument you have chosen to use. By providing us with your payment information, you authorize us to charge the amount due to this payment instrument.
If we believe your payment has violated any law or these Terms and Conditions, we reserve the right to cancel or reverse your transaction.
Consumer Protection Law
Where any consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms and Conditions will not limit your legal rights and remedies under that legislation. These Terms and Conditions will be read subject to the mandatory provisions of that legislation. If there is a conflict between these Terms and Conditions and that legislation, the mandatory provisions of the legislation will apply.
Limitation of Liability
Operation Lend LLC and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless Operation Lend LLC and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
Applicable Law
These Terms and Conditions are governed by the laws of the Commonwealth of Virginia.
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.
Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:
(877) 356-8006
440 Monticello Ave Ste 1800, Norfolk, VA, 23510
You can also contact us through the feedback form available on our Site.
Frequently Asked Questions
Here are common questions that we are asked. Please feel welcome to reach out if you have specific questions or comments. We will respond as soon as possible.
Do you charge upfront fees?
We do not charge any upfront fees for the majority of loans that we help you acquire. There is one circumstance with vendor financing that will require an upfront fee. There are sometimes fees, outside of our control, depending on a couple scenarios. If you do not qualify today, we will refer you to the sources that can repair what is needed to get you qualified in the near future. Real Estate transactions can sometimes call for appraisals upfront which is also outside of our control. We work to avoid all upfront fees whenever possible.
What are the rates?
Rates on loans can fluctuate anywhere from 0% to as high as 40%. We work to position you to qualify for the best possible rates that you are able. We do this by assuming the best lending tactic to suite your need. We also try to avoid “Merchant Cash Advance” loans whenever possible. There are scenarios when this can make sense to an owner and it is always up to the client to decide to accept the offer or not.
Does 100% financing exist?
The short answer is, YES! However, this generally calls for the combination of a couple of different types of loans to accomplish the goal. It is possible in a lot of scenarios with the right credentials.
What are the credit requirements?
Having good credit gives you more options and better rates, but there are methods that can be used to obtain funds even with poor credit. We are happy to let you know specific guidelines as we understand your objectives.
What if I've been declined?
People get declined all the time and it generally means the guidelines were not understood before an application. This is not a reason to give up on your dream. We can help you map out a plan to position yourself to get approved.
How much funding can you obtain?
Limitations are set by you and your project. In general, startup businesses can obtain up to $500,000 and existing have the opportunity for even more. When you consider real estate transactions and collateral, the loan size can easily extend into the tens of millions. There is no deal too large for us to work on.
How do I start with you?
The first step in our process is to review your qualifications and objectives to understand the best options for you. We do not charge a fee for this advice. The only thing you need to do is click on the “Get Started” tab and fill in the form. One of our consultants will be back in touch to walk you through the rest.
How long are the terms?
The terms on any loan sought will be clarified before a real application. Some loans a structured to be extremely short term, like 3 months, while others extend for up to 30 years.
What if I don't qualify today?
Sometimes it does take a little time to position yourself to get what you need. The good news is that we can explain exactly what needs to be done and it won’t cost you a penny for the advice. Then, when you are ready in the near future, we can get you the money you seek.
What if I have a quote?
If another company has provided you with a quote for the loan you seek, let us know. We are happy to help you shop rates and compete to make sure you are getting the best deal.
What is a soft pull?
A soft pull allows us the ability to review what is on your credit report without having it impact you negatively. When you apply for a loan a hard inquiry is done and too many inquiries can lead to denials.
How is my loan status tracked?
We will be providing a client portal where you will be able to sign in and see any updates in real time as we work on your project.
Contact Us
(877) 356-8006
440 Monticello Ave Ste 1800, Norfolk, VA, 23510