Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you and Monera Capital Group LLC ("Monera Capital," "we," "us," or "our"), a Florida limited liability company. By accessing or using our websites at moneracapital.com and moneraloanpoint.com (each, the "Website") or any products, services, or applications offered by or through Monera Capital, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Website or any of our products or services. If you are accessing or using the Website on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Description of Services

Monera Capital Group LLC is a B2B working capital financing company that provides funding solutions to small and medium-sized businesses in the United States. Our services may include, but are not limited to, revenue-based financing, working capital solutions, and short-term business funding (collectively, the "Services").

Monera Capital directly provides revenue-based financing only, which this site also refers to as working capital. All other products, including business loans, business lines of credit, equipment financing, SBA loans, and accounts receivable factoring, are not offered directly by Monera Capital but through our third-party partners. These products are subject to approval and are made or arranged according to the applicable lending licenses of our partners. If your business is not a fit for the funding Monera Capital provides directly, we may refer your application to a third-party funding provider to seek an offer for you outside of Monera Capital.

The Website provides general information about our company and Services. Information on the Website does not constitute an offer to lend, a commitment to fund, or a guarantee of approval. All funding is subject to the underwriting criteria of Monera Capital or the applicable funding provider, due diligence, and the execution of definitive agreements.

Funding amounts, terms, timeframes, and other figures shown on the Website, including approval and funding times, are typical ranges based on our experience and are not commitments. Your amount, terms, cost, and timing depend on your business, the product, and the funding provider, and are set only in your funding agreement.

Guides, articles, frequently asked questions, comparison tables, the funding-fit questionnaire, downloadable documents, and other content on the Website are general information for business owners and are not financial, legal, tax, or accounting advice. A result from the funding-fit questionnaire is a suggestion of products to explore, not an offer, a pre-approval, or a recommendation for your specific situation. Content may describe third-party programs, such as SBA loan programs, whose terms are set by others and may change without notice to us. Consult a qualified professional before making financial decisions.

3. Eligibility

Our Services are available exclusively to business entities and their authorized representatives operating in the United States. By using the Website or applying, you represent that:

• You are at least 18 years of age
• You are an authorized representative of the business entity seeking funding
• The business entity is duly organized and in good standing under applicable law
• All information you provide is truthful, accurate, and complete

Monera Capital does not offer consumer lending products. Our Services are not intended for personal, family, or household purposes.

4. Account Registration and Security

We do not currently offer online accounts. If we offer them in the future, certain features may require you to create an account. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account. Notify us immediately of any unauthorized use. We may suspend or terminate your account at any time if we believe it has been compromised or you have violated these Terms.

5. Use of the Website

You agree to use the Website only for lawful purposes. You agree not to:

• Use the Website in violation of any applicable law or regulation
• Transmit defamatory, obscene, fraudulent, or objectionable material
• Attempt unauthorized access to any portion of the Website, other accounts, or connected systems
• Use automated means (robots, spiders, scrapers) to access the Website without prior written consent
• Introduce viruses, malware, or other harmful code
• Interfere with or disrupt the Website's integrity or performance
• Impersonate any person or entity
• Collect or harvest personal information of other users

6. Applications and Funding

By submitting an application, you authorize Monera Capital and its assigns, agents, banks, or financial institutions, and any third-party funding provider to which we refer your application, to verify your information, including by obtaining credit reports, bank statements, and financial records from third-party sources. You acknowledge that:

• Submission does not guarantee approval or funding
• Funding decisions on products Monera Capital provides directly are at our sole discretion, subject to underwriting and due diligence
• Funding decisions on applications we refer to a third-party funding provider are made by that provider under its own criteria
• Approved funding requires execution of a separate written agreement with specific terms
• In any conflict between these Terms and a funding agreement, the funding agreement controls

Credit inquiries. Monera Capital's own review uses a soft credit inquiry, which does not affect your credit score. If we refer your application to a third-party funding provider, that provider follows its own credit review process, which may include a hard credit inquiry. If you do not want a hard credit inquiry, you must tell us explicitly before we refer your application, by telling your funding specialist or calling us at 1-833-624-3863, and we will pass that requirement along to the funding provider. Some providers may not be able to make an offer without a hard credit inquiry.

7. Electronic Communications Consent

By using the Website, you agree that we may provide notices and other communications to you electronically, and that electronic communications satisfy any legal writing requirement. Emails, calls, and text messages are sent only with the consent described in Section 10 of our Privacy Policy, which you give by agreeing to the consent statement on one of our forms or by continuing past the first step of our funding application.

8. Intellectual Property

The Website, its contents, features, functionality, and design are the property of Monera Capital Group LLC or its licensors, protected by U.S. and international copyright, trademark, and intellectual property laws. The Monera Capital name, logo, and related marks are our trademarks. You receive a limited, non-exclusive, non-transferable, revocable license to access and use the Website for its intended purpose. No reproduction, distribution, modification, or commercial exploitation without prior written consent.

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, MATERIALS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. MONERA CAPITAL DISCLAIMS ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. MONERA CAPITAL DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MONERA CAPITAL GROUP LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES. MONERA CAPITAL'S TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

11. Indemnification

You agree to indemnify and hold harmless Monera Capital Group LLC and its officers, directors, members, employees, agents, and affiliates from claims, liabilities, damages, losses, costs, and expenses (including attorneys' fees) arising from: (a) your use of the Website or Services; (b) violation of these Terms; (c) violation of any law; or (d) any inaccurate, incomplete, or fraudulent information you provide.

12. Governing Law and Dispute Resolution

These Terms are governed by Florida law without regard to conflict of law provisions. Disputes shall be resolved exclusively in state or federal courts in Broward County, Florida. You consent to personal jurisdiction and venue in such courts.

13. Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF THESE TERMS OR USE OF THE WEBSITE OR SERVICES.

14. Third-Party Links

The Website may link to third-party sites not controlled by us. We assume no responsibility for third-party content, privacy policies, or practices.

15. Modifications to Terms

We may modify these Terms at any time. Changes take effect when the "Last Updated" date is revised. Continued use constitutes acceptance.

16. Severability

If any provision is held invalid, it shall be modified to the minimum extent necessary or severed. Remaining provisions remain in effect.

17. Entire Agreement

These Terms, our Privacy Policy , and any funding agreements constitute the entire agreement regarding Website use.

18. No Waiver

Failure to enforce any provision shall not constitute a waiver. Any waiver must be in writing and signed by Monera Capital.

19. Contact Information

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