Agreement to Terms
These Terms of Service ("Terms") govern your access to and use of the Excelsior Capital Services LLC ("Excelsior," "we," "us," or "our") website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
Services Provided
Excelsior provides financing solutions including but not limited to:
- Short-term and long-term business lending
- Bridge financing
- Commercial real estate (CRE) financing
- Home Equity Lines of Credit (HELOC)
- Asset-based loans
We act as a loan originator and may work with third-party lenders to provide financing solutions.
Eligibility
You must be at least 18 years of age and have the legal capacity to enter into binding contracts to use our services. By using our services, you represent and warrant that you meet these requirements.
Loan Application Process
Application Submission: When you submit a loan application, you authorize us to obtain credit reports, verify information, and share your information with potential lenders.
No Guarantee of Approval: Submitting an application does not guarantee loan approval. All loan applications are subject to underwriting and approval by lenders.
Accuracy of Information: You are responsible for providing accurate, complete, and truthful information in your application. Misrepresentation may result in denial of your application or legal consequences.
Credit Authorization: By submitting an application, you authorize us and our lending partners to obtain consumer credit reports and related information.
Fees and Charges
We do not charge application fees. However, approved loans may be subject to origination fees, interest rates, and other charges as disclosed in your loan offer. All fees and terms will be clearly disclosed before you accept a loan offer.
Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Excelsior Capital Services LLC and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Prohibited Activities
You agree not to:
- Provide false, misleading, or fraudulent information
- Use our services for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the operation of our website
- Violate any applicable laws or regulations
- Transmit viruses, malware, or other harmful code
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Use of third-party websites is at your own risk.
Disclaimers and Limitations of Liability
No Warranties: Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee uninterrupted, secure, or error-free service.
Not Financial Advice: Information provided on our website is for informational purposes only and does not constitute financial, legal, or tax advice. Consult with appropriate professionals before making financial decisions.
Limitation of Liability: To the fullest extent permitted by law, Excelsior Capital Services LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.
Indemnification
You agree to indemnify and hold harmless Excelsior Capital Services LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.
Governing Law and Dispute Resolution
These Terms shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in New York, NY.
Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.
Termination
We reserve the right to suspend or terminate your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Contact Us
If you have questions about these Terms of Service, please contact us: