Terms of Use
Effective date: August 1, 2026
These Terms of Use (the "Terms") are a binding agreement between you and ClearMetric LLC, a Texas limited liability company doing business as VeriFunding ("VeriFunding," "we," "us," or "our"). They govern your access to and use of verifunding.com, apply.verifunding.com, and any related pages, content, tools, and services (together, the "Services").
By accessing or using the Services, creating an account, or submitting a request, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.
If you use the Services on behalf of a business, you represent that you have authority to bind that business, and "you" includes both you individually and that business.
1. Who we are and what we do
VeriFundingis a commercial finance brokerage and referral service. We work to arrange business-purpose financing, including equipment finance and invoice factoring, through independent third-party funding partners ("Funding Partners").
VeriFunding is not a lender, factor, bank, or finance company. We do not:
- originate, make, purchase, or fund any loan, lease, or receivable
- make credit decisions or approve or decline any request
- set rates, terms, pricing, advance rates, or fees
- issue commitments or guarantee financing, approval, terms, amount, pricing, timing, or funding
All financing is provided by Funding Partners under their own underwriting standards, documents, and agreements. Funding Partners decide in their sole discretion whether to approve, on what terms, and whether to fund.
We do not offer merchant cash advances, sales-based financing, consumer loans, or residential real estate financing.
2. Eligibility and business purpose
The Services are for businesses and business owners seeking commercial financing. You must be at least 18 years old and legally able to enter contracts.
You represent and warrant that:
- you are requesting financing for business or commercial purposes only
- no proceeds of any financing arranged through the Services will be used for personal, family, household, or consumer purposes, or secured by owner-occupied residential real estate
- the business named in your request is a validly formed and operating business entity or sole proprietorship
- you have authority to submit information on behalf of that business
We may refuse or discontinue service to anyone, at any time, for any reason or no reason.
3. Accounts and sign-in links
We may email you a secure sign-in link so you can access, save, and continue a request. That link is personal to you. You are responsible for keeping it and any account credentials confidential and for all activity that occurs under your account or through your link. Notify us immediately at if you believe your account or link has been accessed without authorization.
We are not liable for loss or damage arising from your failure to safeguard your account or sign-in link, or from any use of the Services by a person you allowed to access them.
4. Information you submit
You are responsible for the accuracy and completeness of everything you submit. You represent and warrant that:
- all information, documents, financial statements, bank data, tax filings, invoices, quotes, and other materials you submit are true, accurate, complete, and not misleading
- you have the legal right to submit them
- where you submit information about any individual, including any owner, officer, guarantor, principal, employee, customer, or account debtor, you have that individual's authorization to provide it to us and to our Funding Partners for the purposes described in these Terms and our Privacy Policy
- submitting the information does not breach any agreement, confidentiality obligation, or law
You will promptly notify us of any material change to information you have submitted while your request is pending.
Submitting false, altered, forged, or materially misleading information is a material breach of these Terms. We may terminate your access, notify Funding Partners, and report suspected fraud to Funding Partners, law enforcement, and industry fraud databases.
We are not obligated to verify, audit, or independently confirm anything you submit, and we have no liability for consequences arising from information you provide.
5. Credit authorization
Starting or saving a request does not by itself authorize a credit inquiry. If your request moves forward, we will request the specific credit authorizations, consents, and documents that Funding Partners require before any inquiry is made.
The type and timing of any inquiry, including whether it is a soft or hard inquiry, is determined by the Funding Partner and its consumer or business reporting agency. We do not control and do not guarantee the type or timing of any inquiry, or its effect on any credit score or report.
6. Referral relationship, compensation, and conflicts
By submitting a request, you authorize us to review your information and, subject to any further authorization required, to share it with Funding Partners we believe may fit your profile.
Compensation. We are compensated by Funding Partners on financing that closes. We do not charge businesses a broker fee for our referral service. Funding Partner charges may still apply. Our compensation may be included in, added to, or otherwise reflected in the pricing or terms you receive.
Conflicts. Compensation varies by Funding Partner, product, and transaction. This creates a potential conflict of interest. You acknowledge and agree that:
- we do not survey the entire market and are not obligated to submit your request to every Funding Partner or to any particular Funding Partner
- we do not represent that any offer presented is the lowest cost or best available financing in the market
- we owe you no fiduciary duty, no duty of loyalty, and no duty of best execution
- our Funding Partner relationships, panel composition, pricing arrangements, and compensation terms are our confidential business information
No agency. We are not your agent, representative, or advisor, and we are not the agent of any Funding Partner for purposes of your transaction. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship.
You remain free at all times to seek financing from any other source.
7. Funding Partners and third parties
Funding Partners are independent third parties. We do not control them. We are not responsible or liable for:
- any Funding Partner's underwriting, decisions, disclosures, documents, pricing, fees, servicing, collection, or other conduct
- any act, omission, delay, error, breach, insolvency, or data incident of any Funding Partner or other third party
- the performance, condition, delivery, title, or suitability of any equipment, vendor, dealer, or supplier involved in a transaction
Once you enter into an agreement with a Funding Partner, that agreement governs your relationship with that Funding Partner. Read it before you sign it.
The Services may link to third-party websites. We do not endorse and are not responsible for their content, products, privacy practices, or terms.
8. No professional advice
The Services, including guides, blog posts, glossary entries, calculators, comparisons, and any other content, are provided for general informational purposes only. Nothing on the Services is legal, tax, accounting, investment, or financial advice, and nothing constitutes a recommendation to enter into any transaction. Content may be incomplete, general, or out of date, and may not apply to your circumstances. Consult your own qualified professionals before acting.
9. Communications consent
By providing your contact information, you consent to receive communications from us and, where applicable, from Funding Partners relating to your request, including by email, telephone call, and text message, at the addresses and numbers you provide, including wireless numbers. Message and data rates may apply. Automated technology may be used to place calls or send texts.
Consent to receive marketing calls or texts is not a condition of any service. You may opt out of marketing messages by replying STOP to a text, using the unsubscribe link in an email, or writing to . We may continue to send transactional messages about a pending request.
You consent to receive records, notices, disclosures, agreements, and signatures electronically, and you agree that electronic signatures and records satisfy any requirement that they be in writing. You may withdraw this consent by contacting us, in which case we may be unable to continue providing the Services. You may request a paper copy of any electronic record by contacting us.
We may monitor or record calls for quality, training, and compliance purposes where permitted by law.
10. Acceptable use
You will not:
- use the Services for any unlawful purpose, or for any consumer, personal, household, or residential-secured financing
- submit false, fraudulent, stolen, or unauthorized information or identity documents
- submit a request on behalf of a business or individual without authorization
- access or attempt to access another user's account, request, or data
- scrape, crawl, harvest, index, or use automated means to access the Services, except for a search engine indexing publicly available pages in accordance with our robots file
- reverse engineer, decompile, probe, or attempt to circumvent any security, authentication, or rate-limiting measure
- interfere with, overload, or disrupt the Services or the networks or systems supporting them
- use the Services or any information obtained from them to build, train, benchmark, or improve a competing product or service, or to compile a competing funder, partner, or lead database
- use our Funding Partner information to circumvent us or solicit our Funding Partners
- upload malware or any code intended to damage or gain unauthorized access
- misrepresent your identity or affiliation, or use the Services in any way that misleads any third party about your relationship with us
- remove, obscure, or alter any proprietary notice
We may investigate suspected violations and take any action we consider appropriate, including suspension, termination, and referral to law enforcement.
11. Intellectual property
The Services and all content, text, graphics, logos, layouts, compilations, software, and design are owned by ClearMetric LLC or its licensors and are protected by intellectual property law. VeriFunding is a trademark of ClearMetric LLC. Nothing in these Terms grants you any right in our trademarks or trade dress.
Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your own internal business purposes. All other rights are reserved. You may not copy, reproduce, republish, distribute, sell, license, or create derivative works from the Services or their content without our prior written permission.
If you send us feedback, suggestions, or ideas about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them without restriction, attribution, or compensation.
12. Disclaimer of warranties
THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, TIMELY, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES ARE FREE OF HARMFUL COMPONENTS. WE DO NOT WARRANT THAT ANY REQUEST WILL BE SUBMITTED, REVIEWED, APPROVED, OR FUNDED, OR THAT ANY PARTICULAR TERMS, PRICING, OR TIMING WILL BE AVAILABLE.
Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER CLEARMETRIC LLC NOR ITS OWNERS, OFFICERS, MEMBERS, EMPLOYEES, CONTRACTORS, OR AGENTS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OPPORTUNITY, DATA, OR ANTICIPATED SAVINGS, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE THEORY OF LIABILITY.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) FIVE HUNDRED U.S. DOLLARS ($500) OR (B) THE TOTAL AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
WE HAVE NO LIABILITY FOR ANY ACT OR OMISSION OF ANY FUNDING PARTNER, VENDOR, DEALER, REFERRAL PARTNER, OR OTHER THIRD PARTY, OR FOR ANY FINANCING TERMS YOU ACCEPT.
These limitations apply to the fullest extent permitted by law and survive any failure of essential purpose of any limited remedy. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
14. Indemnification
You will indemnify, defend, and hold harmless ClearMetric LLCand its owners, officers, members, employees, contractors, and agents from and against all claims, demands, actions, losses, liabilities, damages, judgments, settlements, fines, penalties, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:
- your use of the Services
- your breach of these Terms or of any representation or warranty you make
- any information you submit, including information about any third party
- your failure to obtain any required authorization or consent from an individual whose information you submitted
- your violation of any law or of the rights of any third party
- any transaction you enter into with a Funding Partner, vendor, or dealer
We may assume exclusive control of the defense and settlement of any matter subject to indemnification by you, at your expense, and you will cooperate with us. This section survives termination.
15. Term, suspension, and termination
These Terms apply while you use the Services. We may suspend, restrict, or terminate your access, delete your account, or discontinue any part of the Services at any time, with or without notice or cause. You may stop using the Services at any time.
Termination does not affect any obligation you have to a Funding Partner or any accrued rights or obligations. Sections that by their nature should survive will survive, including Sections 4, 6, 7, 8, 11, 12, 13, 14, 16, 17, 18, and 19.
16. Dispute resolution, arbitration, and class waiver
Please read this section carefully. It affects how disputes are resolved and limits the forums available to you.
16.1 Informal resolution. Before starting any arbitration or lawsuit, the complaining party will send the other a written notice describing the dispute and the relief sought, to or to the address we provide. The parties will attempt in good faith to resolve the dispute for 30 days after that notice. This requirement is a condition precedent to commencing arbitration.
16.2 Binding arbitration. Except as stated in Section 16.4, any dispute, claim, or controversy arising out of or relating to the Services, these Terms, or the relationship between the parties, including questions of its formation, breach, termination, enforceability, scope, or validity, will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules then in effect. The arbitration will be held in Collin County, Texas, before one arbitrator, and may be conducted by video or on documents by agreement or arbitrator order. The Federal Arbitration Act governs this section. Judgment on the award may be entered in any court of competent jurisdiction.
16.3 Class action and jury waiver. ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY. NEITHER PARTY MAY BRING OR PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, MASS, OR REPRESENTATIVE ACTION, AND THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. EACH PARTY WAIVES ANY RIGHT TO A TRIAL BY JURY. If this Section 16.3 is found unenforceable as to any claim or request for relief, that claim or request will be severed and heard in the courts identified in Section 17, and the remainder of Section 16 stays in effect.
16.4 Exceptions. Either party may bring an individual action in small claims court, and either party may seek temporary or preliminary injunctive relief in court to protect intellectual property, confidential information, or to prevent unauthorized access to the Services.
16.5 Fees.Each party bears its own attorneys' fees and costs, and arbitration fees are allocated under the applicable AAA rules, except where a statute or the arbitrator provides otherwise.
17. Governing law and venue
These Terms and any dispute arising out of them are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. For any matter not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Collin County, Texas, and waive any objection based on inconvenient forum.
18. Time limit on claims
Any claim arising out of or relating to the Services or these Terms must be commenced within one (1) year after the claim arose, or it is permanently barred, to the extent permitted by law.
19. Other terms
Separate agreements control. Referral partners, dealers, vendors, and funding partners are governed by their own signed written agreements with ClearMetric LLC. In any conflict between such an agreement and these Terms, the signed agreement controls for that party as to its subject matter.
Changes. We may update these Terms at any time. The effective date at the top shows when they last changed. If a change is material, we will provide reasonable notice through the Services or by email. Continued use after the effective date means you accept the updated Terms. If you do not accept them, stop using the Services.
Availability. The Services are operated from the United States and are intended for users in the United States. Availability of any product is subject to Funding Partner requirements and applicable law. We make no representation that the Services are appropriate or available in any particular location.
Assignment. You may not assign or transfer these Terms or any right under them without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.
No waiver. Our failure to enforce any provision is not a waiver of it or of any other provision.
Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions stay in full force.
No third-party beneficiaries. These Terms create no rights in any person other than you and us.
Force majeure. We are not liable for any delay or failure caused by events beyond our reasonable control, including acts of God, natural disaster, outage, network or vendor failure, labor action, civil unrest, war, terrorism, epidemic, or governmental action.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Services and supersede all prior discussions and understandings on that subject.
Headings. Headings are for convenience only and do not affect interpretation.
20. Contact
ClearMetric LLC dba VeriFunding
Email:
Phone:
VeriFunding is a commercial financing referral and brokerage service operated by ClearMetric LLC. VeriFunding is not a lender, does not make credit decisions, does not approve or decline financing, and does not guarantee financing, approval, terms, or funding. All financing is provided by independent third-party funding partners and is subject to their approval and terms. VeriFunding does not offer merchant cash advances, sales-based financing, consumer loans, or residential real estate financing. VeriFunding does not charge borrowers a fee for its referral service. VeriFunding may be compensated by funding partners on closed financing.