Last Updated: January 1, 2025
Please read these Terms of Service carefully before using the Monarch Advance website or submitting any application. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.
Monarch Advance LLC ("Monarch Advance," "we," "us," or "our") is a commercial financing company that connects businesses with funding solutions including merchant cash advances, business term loans, lines of credit, and revenue-based financing. Monarch Advance is not a bank and does not accept deposits.
Monarch Advance does not offer consumer loans. All financing products are exclusively for business purposes and are not subject to the same federal consumer protection laws that apply to personal loans.
To use our services, you must:
We reserve the right to deny service to any applicant at our sole discretion.
Submitting an application through our website does not constitute a commitment to fund or an offer to lend. All applications are subject to underwriting review, credit approval, and final verification. Approval amounts, rates, and terms may differ from initial estimates. Monarch Advance reserves the right to decline any application without explanation.
You agree to provide accurate, current, and complete information in all applications and communications with Monarch Advance. Providing false, misleading, or fraudulent information may result in immediate denial of your application, termination of any existing agreement, and potential legal action. Monarch Advance may verify any information you provide through third-party sources.
By submitting an application or inquiry, you expressly authorize Monarch Advance and its partners to contact you via phone, email, or text message regarding your application and related financing products. Standard message and data rates may apply. You may opt out of marketing communications at any time by contacting us at [email protected].
By submitting a financing application, you authorize Monarch Advance and its funding partners to obtain consumer and/or business credit reports from one or more credit reporting agencies. Initial inquiries may be soft pulls that do not affect your credit score. Hard inquiries, which may affect your credit score, will only be conducted with your explicit consent prior to funding.
Monarch Advance does not charge application fees. However, funded products may include origination fees, factor rates, interest charges, or other costs that will be fully disclosed in your financing agreement before signing. You are under no obligation to accept any financing offer.
Monarch Advance operates in compliance with applicable federal and state laws governing commercial lending and business financing. Licensing requirements vary by state. Merchant cash advances are not loans and are not regulated as loans under most state lending laws. Business loans and lines of credit may be subject to state-specific licensing requirements.
Monarch Advance reserves the right to decline applications from residents of states where it is not licensed or authorized to operate.
All content on this website, including text, graphics, logos, images, and software, is the property of Monarch Advance LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
This website and all information provided are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. Monarch Advance does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. Information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice.
To the fullest extent permitted by law, Monarch Advance LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim shall not exceed the amount of fees paid by you to Monarch Advance in the 12 months preceding the claim.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in New York, NY, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
For questions about these Terms of Service, please contact us: