Terms & Conditions

Effective Date: October 16, 2026

These Terms & Conditions ("Terms") govern your use of beanbagcapital.com (the "Site") and the services offered by Beanbag Capital LLC ("we," "us," or "our"). By using the Site, sending us an inquiry, or opting in to communications from us, you agree to these Terms.

1. Our Services

Beanbag Capital LLC is an independent business funding broker. We help businesses find funding by submitting their information to independent funding partners. We are not a lender or funder, we do not make funding decisions, and we do not set terms.

• All offers, approvals, amounts, pricing, and terms come from the funding partner, in its own agreement.
• Sending us an inquiry or application does not guarantee approval or any particular amount or term, and you are not obligated to accept any offer.
• We do not charge you any fee and never ask for an upfront fee. If you are funded, the funding partner may pay us a commission, which may be reflected in its offer.
• Any examples or amounts shown on the Site are for illustration only.
• Our Services are for businesses, for business purposes only. They are not for personal, family, or household use.

2. Your Responsibilities

You agree that the information you give us is accurate and complete, and that you are authorized to act on behalf of the business you represent. You authorize us to share the information you submit with funding partners so that they can evaluate your request.

If you give us false or incomplete information, act for a business without authority, give us a phone number you are not authorized to use, or break these Terms or the law, you and the business agree to cover the losses and reasonable lawyers' fees that Beanbag Capital LLC incurs as a result.

3. Communication

Beanbag Capital LLC text messages. If you agree, we may call you or send you text messages about your funding inquiry, such as status updates, follow-ups, and requests for documents. Calls and text messages may be made using automated technology, including an automatic telephone dialing system or an artificial or prerecorded voice. You can agree by checking the box on our inquiry form or by telling us in writing; your agreement covers the calls and/or text messages described where you gave it. Agreeing is not a condition of any purchase or service.

Message frequency varies. Message and data rates may apply. You can opt out of text messages by replying STOP to any message (you may receive one final message confirming that you have opted out), and out of calls or text messages by telling us in any other reasonable way. Reply HELP for help, or contact us at hello@beanbagcapital.com. Mobile carriers are not liable for delayed or undelivered messages. We do not share your mobile number or text messaging consent with third parties or affiliates for marketing or promotional purposes. For more information, see our Privacy Policy.

4. Use of the Site

You agree not to use the Site for any unlawful purpose, not to submit false or misleading information, and not to interfere with the Site's operation or security.

5. Intellectual Property

All content on the Site, including text, graphics, logos, and design, belongs to Beanbag Capital LLC or its licensors and may not be copied or used without our permission.

6. No Advice

Information on the Site and from us is for general information only. It is not legal, tax, accounting, or financial advice. You should consult your own advisors before entering into any funding agreement.

7. Disclaimer of Warranties

The Site and Services are provided "as is" and "as available," without warranties of any kind, express or implied. We do not guarantee that you will receive a funding offer or that any offer will meet your needs.

8. Limitation of Liability

To the fullest extent permitted by law, Beanbag Capital LLC will not be liable for any indirect, incidental, consequential, or special damages arising from your use of the Site or Services, or from any agreement you enter into with a funding partner. Because our Services are free to you, our total liability for any claim related to the Site or Services is limited to $100, to the fullest extent permitted by law.

9. Funding Partners

Any funding agreement you sign is between you and the funding partner. Beanbag Capital LLC is not a party to that agreement and is not responsible for the funding partner's acts, terms, or decisions.

10. Disputes

If you have a concern, please email us first; most can be resolved quickly. If we can't resolve a dispute informally, you and Beanbag Capital LLC agree to resolve any dispute related to the Site, the Services, or our communications with you (including calls, emails, and text messages) by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, instead of in court. Either side may instead bring an individual claim in small claims court.

Disputes will be resolved only on an individual basis, not as a class, collective, or representative action, and you and Beanbag Capital LLC each give up the right to a jury trial. The arbitration may be held by video or in Pinellas County, Florida. The Federal Arbitration Act governs this section. If the class action waiver is found unenforceable for a claim, that claim will be decided in court, not in a class arbitration.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute that is not arbitrated will be resolved in the state or federal courts located in Pinellas County, Florida.

12. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be posted on this page with a new Effective Date. Your continued use of the Site means you accept the updated Terms.

13. Contact Us

Beanbag Capital LLC
7901 4th St N
St. Petersburg, FL 33702
Email: hello@beanbagcapital.com