Terms of Service

Last Updated: February 11, 2026

Welcome to SAADIA FUNDING LLC. By accessing our website or using our services, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully before using our services.

1. Acceptance of Terms

By accessing or using the website and services of SAADIA FUNDING LLC ("Company," "we," "us," or "our"), you ("User," "you," or "your") agree to comply with and be bound by these Terms of Service. If you do not agree to these Terms, please do not use our website or services.

2. Description of Services

SAADIA FUNDING LLC is a direct business lender providing various funding solutions including:

• Working Capital Loans
• Revenue-Based Financing
• Business Funding
• Short-Term Financing
• Equipment Financing

We fund businesses directly from our own capital. We are not brokers and do not act as intermediaries between borrowers and other lenders.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding agreements
• Operate a legitimate business entity
• Provide accurate and complete information

4. Application and Approval Process

Submitting a funding application does not guarantee approval. All applications are subject to our underwriting review process. We reserve the right to approve or deny any application at our sole discretion. Approval decisions are based on various factors including but not limited to business performance, credit history, and financial documentation.

5. SMS Terms & Conditions

If you opt in to receive text messages from SAADIA FUNDING LLC:

• Voluntary Consent: By providing your mobile phone number and expressly consenting via our contact form or other opt-in method, you authorize SAADIA FUNDING LLC to send you text messages using an automatic telephone dialing system.
• Message Content: Messages may include funding status updates, application notifications, appointment reminders, account information, and promotional offers related to our services.
• Message Frequency: Message frequency varies based on your interactions with our services. You may receive multiple messages per week during active application processes.
• Costs: We do not charge for text messages, but standard message and data rates from your mobile carrier may apply. Consult your carrier for details about your messaging plan.
• Opt-Out Instructions: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After replying STOP, you will receive one final confirmation message, and no further messages will be sent unless you opt in again.
• Help: For assistance, reply HELP to any message, or contact us at marc@saadiafunding.com.
• Privacy: Your mobile phone number and text message data will be handled in accordance with our Privacy Policy. We will not sell or share your mobile information with third parties for their marketing purposes without your explicit consent.
• Automatic Telephone Dialing System: By consenting to receive text messages, you acknowledge that messages may be sent using an automatic telephone dialing system. Your consent is not required as a condition of purchase or use of our services.
• Carrier Limitations: Text messaging services are available on major carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Not all carriers may support all features. We are not liable for delayed or undelivered messages due to carrier limitations.

6. User Obligations

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations
• Use our services only for lawful business purposes

7. Prohibited Uses

You may not use our website or services to:

• Engage in fraudulent or deceptive practices
• Provide false or misleading information
• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit viruses, malware, or harmful code
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of SAADIA FUNDING LLC or its licensors and is protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our express written permission.

9. Funding Terms and Conditions

If your funding application is approved, you will receive a separate funding agreement outlining the specific terms and conditions of your funding, including:

• Funding amount
• Repayment terms
• Fees and interest rates
• Payment schedule
• Default provisions

The funding agreement will constitute a separate contract between you and SAADIA FUNDING LLC. These Terms of Service do not replace or supersede the terms of any funding agreement.

10. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy or completeness of information on our website
• The uninterrupted or error-free operation of our website
• The fitness of our services for any particular purpose
• The security of data transmitted through our website

11. Limitation of Liability

To the fullest extent permitted by law, SAADIA FUNDING LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services, including but not limited to loss of profits, data, or business opportunities.

12. Indemnification

You agree to indemnify and hold harmless SAADIA FUNDING LLC, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including attorney fees) arising from your use of our services, violation of these Terms, or infringement of any rights of others.

13. 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. Your use of third-party websites is at your own risk.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

15. Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.

16. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice, for any reason including violation of these Terms. Upon termination, your right to use our services will immediately cease.

17. Governing Law

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 from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Kings County, New York.

18. Dispute Resolution

Any disputes arising from these Terms or our services shall first be addressed through good faith negotiations. If negotiations fail, disputes may be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

20. Entire Agreement

These Terms, together with our Privacy Policy and any funding agreements, constitute the entire agreement between you and SAADIA FUNDING LLC regarding your use of our services and supersede all prior agreements and understandings.

21. Contact Information

If you have questions about these Terms of Service, please contact us:

SAADIA FUNDING LLC
934 Ave S
Brooklyn, NY 11223
Email: marc@saadiafunding.com