Effective Date: October 15, 2026

Last Updated: October 15, 2026

Welcome to leonardcapitaladvance.com (the "Site"), operated by Leonard Capital Advance ("Company," "we," "us," or "our"). By accessing or using our Site, submitting an application, or engaging our business consultation services, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

Leonard Capital Advance is a commercial financing brokerage and business consulting firm. We are not a direct lender, bank, or depository institution. We assist business owners by matching commercial financing requests with potential third-party lending partners, equipment leasing entities, and institutional capital sources within our provider network.

Submitting a form or application on this Site does not guarantee approval, a specific rate, or loan terms. Approval is subject to underwriting standards, credit checks, and final determination by third-party lenders.

By using this Site, you represent and warrant that:

• You are at least 18 years of age.
• You are accessing this Site on behalf of a legitimate business entity.
• All information you provide to us is accurate, current, and complete.

By providing your phone number and opting in to receive communications from Leonard Capital Advance via web form, scheduling link, or inquiry, you agree to receive SMS/MMS messages regarding your application, appointment reminders, and requested financial consultation updates.

• Message Frequency: Message frequency varies depending on your interactions, scheduled appointments, and loan review status.
• Cost Notice: Standard message and data rates may apply depending on your mobile carrier plan.
• Opt-Out Instructions: You can cancel the SMS service at any time. Just reply STOP to any text message you receive from us. After sending STOP, you will receive a confirmation message that you have been unsubscribed. No further messages will be sent unless re-initiated by you.
• Help & Support: If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or contact us directly. 
• Carrier Liability: Mobile carriers are not liable for delayed or undelivered messages.

All content on this Site—including logos, text, graphics, designs, and workflow documentation—is the property of Leonard Capital Advance and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content without prior written permission.

To the fullest extent permitted by applicable law, Leonard Capital Advance shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of this Site, delay in service, or interactions with third-party lenders in our network.

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

If you have any questions regarding these Terms, please contact us at:

• Company: Leonard Capital Advance
• Email: Info@leonardcapitaladvance.com
• Location: Arlington, TX
• Website: https://leonardcapitaladvance.com