Disclosure

Transparency and Our Role

Avanza Financial Solutions LLC is a lending marketplace that connects businesses and individuals with trusted lenders and financial institutions. We operate as an intermediary service and want to ensure complete transparency about our role and your experience with our platform.

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What We Do:

• Connect borrowers with appropriate lending partners based on their financial profile.

• Facilitate introductions between qualified borrowers and reputable lenders.

• Provide guidance and support throughout the application process.

• Maintain relationships with a network of trusted financial institutions.

 

What We Don't Do:

• We do not directly issue loans, lines of credit, or any financial products.

• We do not make lending decisions or determine loan approval.

• We do not set interest rates, fees, or loan terms.

• We do not guarantee loan approval or specific loan conditions.

 

All loan terms, interest rates, fees, and approval decisions are determined solely by the individual lenders in our network. Each lender operates independently and has its own underwriting criteria, approval processes, and terms of service.

 

 

No Fees for Borrowers

Fee Transparency: Avanza Financial Solutions LLC does not charge borrowers any upfront fees, application fees, or hidden charges for using our service. Our platform is completely free for borrowers seeking to connect with potential lenders.

 

How We Operate: Our business model is based on partnerships with lenders who may compensate us when successful connections result in funded loans. This compensation:

• Does not affect the terms offered to you by lenders.

• Does not influence which lenders we recommend.

• Does not result in any additional costs to borrowers.

• Is completely separate from any fees the lender may charge.

 

Important Note: While our service is free, individual lenders may charge their own fees, including but not limited to origination fees, processing fees, or other costs associated with loan products. These fees are set by the lenders and will be clearly disclosed by them during the application process.

 

 

Loan Terms and Expectations

Loan amounts, interest rates, and repayment terms vary significantly depending on multiple factors, including but not limited to:

• Lender-specific criteria and policies

• Borrower qualifications and creditworthiness

• Business or personal financial history

• Collateral or security offered

• Current market conditions

• Loan purpose and type

 

Typical Ranges (For Informational Purposes Only):

• Loan Amounts: May range from $10,000 to $5,000,000 or more, depending on lender and borrower qualifications.

• Interest Rates: Typically start at 4% and may vary significantly based on credit profile, loan type, and lender policies.

• Repayment Terms: May range from 6 to 36 months, with some lenders offering extended terms up to several years.

• Loan Types: Term loans, lines of credit, equipment financing, working capital loans, and other business financing options.

 

Important Disclaimers:

• The ranges provided above are for general informational purposes only and do not constitute a guarantee or promise of specific terms.

• Actual loan terms may fall outside these ranges depending on individual circumstances.

• Each lender has unique qualification requirements and may offer different products.

• All specific loan terms, rates, and conditions will be disclosed directly by the lender before any agreements are finalized.

• Borrowers should carefully review and understand all loan documentation before signing.

 

 

No Guarantee of Approval

Approval Disclaimer: Avanza Financial Solutions LLC cannot and does not guarantee:

• Loan approval from any lender

• Specific loan amounts, rates, or terms

• The number of lenders who may be interested in your application

• The timeline for approval or funding

• That you will qualify for any particular loan product

 

Factors Affecting Approval: Loan approval depends on numerous factors determined by individual lenders, including but not limited to credit score, business revenue, time in business, debt-to-income ratio, collateral, and other financial metrics.

 

 

Credit Impact and Inquiries

Credit Checks: The lending process may involve credit inquiries that could affect your credit score. Different types of inquiries include:

• Soft Credit Pulls: May be used for initial pre-qualification and typically do not affect your credit score.

• Hard Credit Pulls: Used by lenders for final underwriting and may temporarily impact your credit score.

 

Multiple Applications: Applying to multiple lenders within a short timeframe may result in multiple credit inquiries. While credit scoring models often treat multiple inquiries for the same type of loan within a short period as a single inquiry, this is not guaranteed.

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Your Responsibility: It is your responsibility to understand how credit inquiries may affect your credit profile and to make informed decisions about loan applications.

 

 

Lender Network and Partnerships

Lender Selection: Our network consists of carefully selected lending partners, including:

• Traditional banks and credit unions

• Alternative lenders and online platforms

• Equipment financing companies

• Working capital providers

• Industry-specific lenders

 

Partnership Criteria: We work with lenders who demonstrate:

• Regulatory compliance and proper licensing

• Transparent lending practices

• Competitive rates and terms

• Quality customer service

• Established track record in their respective markets

 

No Endorsement: Inclusion in our lender network does not constitute an endorsement of any specific lender, and borrowers should conduct their own due diligence before entering into any loan agreement.

 

 

Accreditations and Endorsements

Avanza Financial Solutions LLC is committed to maintaining the highest standards of business practice and transparency. We are proud to work with reputable partners and maintain industry relationships.

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Regulatory Compliance: We operate in compliance with applicable federal and state regulations governing lead generation and financial services marketing.

 

 

Data Security and Privacy

Information Protection: We take the security of your personal and financial information seriously. Our platform employs industry-standard security measures including:

• SSL encryption for data transmission

• Secure data storage protocols

• Limited access to personal information

• Regular security audits and updates

 

Privacy Policy: Your use of our service is governed by our Privacy Policy, which details how we collect, use, and protect your information. Please review our Privacy Policy carefully.

 

Information Sharing: We share your information only with lenders for the purpose of facilitating loan applications and only with your explicit consent.

 

 

Important Consumer Rights and Protections

Right to Withdraw: You have the right to withdraw your application or stop the process at any time before entering into a loan agreement with a lender.

 

Review Period: Take time to carefully review all loan documents and terms before signing. Many states provide a cooling-off period or right of rescission for certain types of loans.

 

Complaint Process: If you have concerns about our service, please contact us immediately. If you have issues with a lender, you should contact them directly and may also file complaints with appropriate regulatory agencies.

 

State Licensing: Different states have varying regulations regarding lending and lead generation. We comply with applicable state laws and regulations.

 

 

Contact Information and Support

If you have questions about these disclosures, our services, or need assistance with your application, please contact us:

Avanza Financial Solutions LLC.

• Phone: 323-713-0969

• Email: support@avanzasolutions.co

• Address: 457 S. Tamarisk Ave. Rialto, CA 92376

• Business Hours: Monday through Friday 9:00 AM to 5:00 PM (PST).

 

 

​Legal Disclaimers

No Legal or Financial Advice: The information provided through our service is for informational purposes only and does not constitute legal, financial, or tax advice. Consult with qualified professionals before making financial decisions.

 

Market Conditions: Interest rates, loan availability, and terms are subject to change based on market conditions and lender policies.

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Individual Results May Vary: Your experience and results may differ from typical outcomes based on your unique financial situation and lender requirements.

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Updates to Disclosures: We may update these disclosures periodically. Continued use of our service after updates constitutes acceptance of the revised disclosures.

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This disclosure page is designed to provide transparency about our services and your rights as a consumer. If you have any questions or need clarification on any point, please don't hesitate to contact us.