Privacy Policy
Effective January 1, 2026
SMB Commercial Capital is a registered fictitious name of SMB Commercial, LLC ("we," "us," or "our"). This Privacy Policy explains, in plain English, what information we collect through our website at apply.smbcommercialcapital.com and related intake and document upload pages (the "Site"), how we use it, and with whom we share it.
1. Information We Collect
We collect information that you provide to us and limited information collected automatically when you use the Site.
Contact information
- First and last name, email address, phone number, and preferred contact method.
Business information
- Business name, address, entity type, industry, time in business, ownership, and similar details.
Funding request information
- Requested amount, use of funds, timing, revenue ranges, profitability, existing debt, collateral, and related details.
- Self-reported credit score range (we do not pull credit reports through this Site).
Uploaded documents
- Documents you upload in connection with a business-purpose financing request, such as bank statements, tax returns, financial statements, and similar materials.
Website usage information
- Pages viewed, referral source, and similar usage details.
- Technical information such as IP address, browser type, device type, and user agent.
2. How We Use Information
- To review and respond to business funding requests and inquiries.
- To request additional information or supporting documents.
- To evaluate potential business-purpose financing options.
- To communicate with you about your request and related matters.
- To operate, maintain, secure, and improve the Site.
- To comply with applicable laws and to detect or prevent fraud or misuse.
3. Sharing with Funding Partners
Where appropriate, we may share business and applicant information, including uploaded documents, with one or more third-party lenders, finance companies, factors, equipment finance providers, private credit sources, brokers, syndicators, or other financing sources or intermediaries (collectively, "Funding Partners") for the purpose of evaluating potential business-purpose financing options. Funding Partners maintain their own privacy policies and terms, which will govern how they handle your information.
4. Sharing with Service Providers
We use trusted service providers to operate the Site. These may include, for example, hosting and database providers (such as Supabase), transactional email providers (such as Resend), document storage, and analytics or monitoring tools. These providers may process information on our behalf only as necessary to provide their services and are expected to maintain appropriate confidentiality and security.
5. Legal and Compliance Use
We may use or disclose information when we reasonably believe it is necessary to comply with law, respond to a valid legal request, enforce our Terms of Use, protect our rights or property, or protect the safety of users or others.
6. Data Security
We use reasonable administrative, technical, and physical safeguards designed to help protect information collected through the Site, including encrypted transport, access controls, and secure storage of uploaded documents. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
7. Data Retention
We retain submitted information and uploaded documents for as long as reasonably necessary to support the financing request, business records, legal obligations, audit requirements, and dispute resolution. We may delete or de-identify information when it is no longer needed for these purposes.
8. Your Choices and Contact Requests
You may contact us to request updates to your information, to ask questions about how your information is handled, or to request that we stop contacting you about a particular request. Some information may be retained for recordkeeping, legal, or compliance purposes even after such a request.
9. No Sale of Personal Information
We do not sell personal information collected through the Site to third parties for their own marketing purposes.
10. Children
The Site is intended for use by adults submitting business-purpose financing requests on behalf of a business. The Site is not directed to children under 18, and we do not knowingly collect personal information from children under 18.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Updates are effective when posted on the Site. Continued use of the Site after an update constitutes acceptance of the updated Privacy Policy.
12. Contact
SMB Commercial Capital is a registered fictitious name of SMB Commercial, LLC.
Questions about this Privacy Policy may be sent to: info@smbcommercialcapital.com.