Terms of Use

Terms last Updated June 19th, 2023

By indicating your agreement to these website terms (for instance, by clicking the apply button in any of its formats), you, in your individual capacity, represent:

Authorization: You are authorized on behalf of the business listed in the application (the "Applicant") to make and submit this application, to submit any accompanying documents, and to provide the consent and authorizations set out below.

Signing Authority: Should this application be approved, you are authorized to sign business financing documentation on behalf of the Applicant. Please be advised that some business financing products may require a personal guaranty.

Accuracy of Information: All information provided to MCA Companies Inc. and/or its trusted partners is accurate and complete, and you will immediately notify MCA Companies Inc. of any change in such information.

Reliance on Information: MCA Companies Inc. and its trusted partners may rely on the accuracy of the information provided.

Sharing of Information: MCA Companies Inc. may share all information and documents, excluding consumer credit reports, with its trusted partners to fulfill Applicant's requests.

Information Sharing: MCA Companies Inc. and its trusted partners may share information they have about you and Applicant at any time for administrative, marketing, and servicing purposes as permitted by law. Your personal information may be shared with the Applicant as part of the underwriting process.

Waiver and Release: You and the Applicant waive and release any claims against any information provided relating to the release of information.

Credit Gathering Authorization: You agree to and accept all terms of the MCA Companies Inc. Credit Gathering Authorization found here.

BY USING THE WEBSITE OF MCA COMPANIES INC. AND/OR REQUESTING THAT MCA COMPANIES INC. CONTACT YOU FOR MARKETING PURPOSES, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND MCA COMPANIES INC. (AND ANY ENTITY CALLING ON BEHALF OF MCA COMPANIES INC.) ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND MCA COMPANIES INC., INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TERMS OF APPLICATION OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TERMS OF APPLICATION. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH MCA COMPANIES INC.. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST MCA COMPANIES INC. IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST MCA COMPANIES INC. IN ANY JURISDICTION IN THE UNITED STATES. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the MCA Companies Inc. Terms of Application and Terms of Use shall control over any inconsistency between the Rules of the American Arbitration Association and the Terms of Application). The arbitrator shall have authority to interpret the Terms of Application, including but not limited to the authority to decide whether any claim is arbitrable under the Terms of Application and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator's jurisdiction, and the enforceability of the Terms of Application. You agree that the Terms Application involves commerce under 9 U.S.C. Sections 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Terms of Application is governed by the laws of New York.


Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and entity that opens an account or establishes a relationship with such an institution, including name, address, date of birth, social security or tax identification number, and other information that will allow the financial institution to verify your and/or the entity's identity. You may also be asked to provide identifying documents.