Terms of Use

Last updated 13 September 2026

These terms govern your use of ridgelinebusinessfunding.com and any enquiry or application you submit through it. The site is operated by Ridgeline Capital Solutions LLC, a Wyoming limited liability company trading as Ridgeline. By using the site you accept these terms. If you do not accept them, do not use it.

What we are, and what we are not

Ridgeline is a broker. We take a business's file to funding companies that purchase future receivables, and we are paid by those companies when a transaction funds.

We are not a bank and not a lender. We do not lend money, we do not commit capital, and we do not make funding decisions. Those decisions belong entirely to the funding companies. We are not affiliated with any bank, and nothing on this site is an offer of credit or a commitment to arrange, place or provide funding.

This is not a loan

The product we broker is a purchase of a business's future receivables. A funding company advances a sum today and purchases a fixed larger amount of the business's future revenue, which is collected as an agreed share of deposits, usually daily or weekly. It is not a loan, it does not carry an interest rate or an annual percentage rate, and the total amount owed does not increase with time. It is priced as a factor rate: the amount advanced multiplied by that figure is the total the funding company is owed.

It is expensive. It is fast and it does not require a bank's approval, and that is what the cost buys. If your business can wait for a bank and is likely to be approved by one, a bank will almost always be cheaper. We say this plainly because it is true.

Business use only

Everything on this site is for business purposes only. By submitting an enquiry or an application you confirm that the funding you are seeking is for a business you own or control and is not for personal, family or household use, and that you are authorised to act for that business. We do not offer consumer financing.

Where we operate

We accept enquiries only from businesses located in the states offered on our form. If your state is not listed, we are not open there and we will not submit your file. You may leave your details and we will contact you if that changes.

Your information must be accurate

Funding companies decide on the strength of what you give us. You agree that everything you submit, including your bank statements, your application and your disclosure of advances the business already has open, is true, complete and yours to provide. Submitting falsified financial documents in a funding application is a serious matter and we will decline and report files where we believe it has happened.

The application, and what you authorise

When you sign the application you authorise Ridgeline, and any funding company we submit your file to, to verify what you have told us, to obtain business and personal credit reports, and to contact your bank to confirm the account. You agree the application may be signed electronically and that your electronic signature is binding.

How your file is used

We submit your file to no more than two funding companies at a time. We do not sell your file, post it to a lead exchange or distribute it to a list of buyers. You can ask us at any time who holds it, and you can tell us at any time to stop.

How we are paid, and what you pay

The funding company pays us when your transaction funds. You pay us nothing directly. We do not charge application fees, review fees, or any fee in advance of funding, and nobody is authorised to collect one from you on our behalf. If anyone asks you to pay a fee before your funding arrives, it is not us; tell us.

Offers and contracts

Any figures we present to you come from a funding company and are that company's offer, not ours. They are an indication until that company issues a contract, and they can change or be withdrawn by it. Your agreement is with the funding company, on its contract, not with us. Where anything we say differs from that contract, the contract governs, and you should read it, particularly the clause dealing with what happens if your deposits fall.

Contacting you

If you give consent on our form, you agree we may contact you at the number and email you give us, including by automated dialling system, prerecorded message, and artificial or AI-generated voice, and by text message, even if the number is on a Do-Not-Call registry. Consent is not a condition of obtaining funding. Our calls are recorded and you are told so at the start. Reply STOP to any text to stop texts, tell us on any call to stop calls, and use the unsubscribe link to stop emails. Each takes effect immediately and permanently.

Acceptable use

Do not use this site to submit anything false, to submit information about a business you are not authorised to act for, to interfere with the site or attempt to access parts of it that are not public, or to do anything unlawful.

Our content

The text, design, marks and materials on this site belong to Ridgeline Capital Solutions LLC or are used under licence. You may view the site in the ordinary way. You may not copy, reproduce or reuse it without written permission.

No guarantee

We do not guarantee that your business will receive an offer, that any offer will be on any particular terms, or that any transaction will fund. We do not guarantee amounts, rates, terms or timing. Any timescales we describe are what usually happens and are not promises. The site and everything on it are provided as is, without warranties of any kind to the fullest extent the law allows.

Limitation of liability

To the fullest extent permitted by law, Ridgeline Capital Solutions LLC and its members, officers, employees and agents are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost funding, lost business or lost data, arising from your use of this site or from any transaction with a funding company, whether in contract, tort or otherwise, even if advised of the possibility. Our total liability for any claim arising from this site will not exceed one hundred United States dollars.

Indemnity

You agree to indemnify Ridgeline Capital Solutions LLC against claims, losses and costs arising from your misuse of this site, from information you submit that is false or that you were not authorised to submit, or from your breach of these terms.

Governing law and disputes

These terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws rules. Any dispute arising from these terms or from your use of this site will be brought exclusively in the state or federal courts located in Sheridan County, Wyoming, and you consent to the jurisdiction of those courts. Nothing in this section affects any agreement you enter into with a funding company, which will have its own terms.

Changes

We may update these terms. The date at the top shows when they last changed, and continuing to use the site after a change means you accept it.

How to reach us

Email hello@ridgelinebusinessfunding.com. Post: Ridgeline Capital Solutions LLC, 30 N Gould St Ste R, Sheridan, Wyoming 82801.

Ridgeline is operated by Ridgeline Capital Solutions LLC. Business-purpose commercial financing only. Not a bank, not a lender, and not a consumer lender. Not affiliated with any bank. Funding decisions rest with funding companies and no outcome is guaranteed.