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Terms of Service

Quick Merchant Capital
Last Updated: July 11, 2025

1. Acceptance of Terms

Welcome to Quick Merchant Capital. These Terms of Service (“Terms,” “Terms of Service,” or “Agreement”) constitute a legally binding agreement between you (“you,” “your,” “User,” or “Client”) and Quick Merchant Capital (“Company,” “we,” “us,” or “our”), governing your access to and use of the website located at https://quickmerchantcapital.com (the “Site”) and all related services, products, tools, features, and content offered by Quick Merchant Capital (collectively, the “Services”).

By accessing or using our Site and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Site or Services.

Quick Merchant Capital
3341 Bicetown Road, Manhattan, NY 10016
Phone: (718) 866-4142
Email: [email protected]

2. Eligibility

To use our Site and Services, you must:

  • Be at least 18 years of age.
  • Be a legal resident of the United States or authorized to conduct business in the United States.
  • Be an authorized representative of the business entity applying for financing, if applicable.
  • Have the legal capacity to enter into a binding agreement.
  • Not be prohibited from using the Services under any applicable law or regulation.

By accessing or using our Site and Services, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet these requirements, you must not access or use the Site or Services.

3. Description of Services

Quick Merchant Capital provides business financing solutions, including but not limited to:

  • Merchant Cash Advances (MCA): Purchase of future receivables in exchange for an upfront lump sum payment.
  • Business Term Loans: Fixed-term business loans with scheduled repayment.
  • Short-Term Business Financing: Various short-term financing products designed for small and medium-sized businesses.
  • Revenue-Based Financing: Financing products based on a percentage of future business revenue.
  • Business Lines of Credit: Revolving credit facilities for businesses.
  • Equipment Financing: Financing for the purchase or lease of business equipment.
  • Invoice Factoring: Purchase of outstanding invoices at a discount.

The specific terms, conditions, rates, fees, and repayment schedules for any financing product will be set forth in a separate agreement (e.g., Merchant Cash Advance Agreement, Loan Agreement, or other financing contract) between you and Quick Merchant Capital. These Terms of Service govern your use of the Site and general Services; the specific financing agreement will govern the terms of any funding you receive.

Important Note: Not all applicants will qualify for financing. Approval is subject to our underwriting criteria, verification of information provided, and other factors at our sole discretion. The submission of an application does not guarantee approval or funding.

4. Application and Underwriting Process

4.1 Application Submission

When you submit an application through our Site or through one of our authorized representatives, you agree to provide complete, accurate, and truthful information. This includes, but is not limited to, business information, financial data, personal information, and any supporting documentation requested by us.

4.2 Authorization

By submitting an application, you authorize Quick Merchant Capital and its agents, partners, and service providers to:

  • Obtain and review your personal and business credit reports from one or more credit reporting agencies.
  • Verify the information you provide, including by contacting your bank, credit card processor, landlord, suppliers, and other third parties.
  • Obtain and review your bank account statements, tax returns, financial statements, and other financial records.
  • Contact you by phone, email, text message (SMS), mail, or other means regarding your application, account, and our Services.
  • Share your information with third-party partners, including but not limited to lending partners, ISO partners, and other funding sources, for the purpose of evaluating your application and providing financing.

4.3 Accuracy of Information

You represent and warrant that all information provided in your application and throughout the financing process is true, complete, and accurate. Providing false, misleading, or incomplete information may result in the denial of your application, termination of your account, acceleration of any outstanding obligations, and/or legal action.

4.4 Underwriting Decision

Quick Merchant Capital reserves the right to approve or deny any application at its sole discretion. We are not obligated to provide a reason for any denial. Our underwriting decisions may be based on a variety of factors, including but not limited to credit history, business performance, industry risk, time in business, and other proprietary criteria.

5. Fees and Charges

5.1 Financing Costs

The specific costs associated with any financing product, including factor rates, interest rates, origination fees, closing costs, and other charges, will be disclosed in the applicable financing agreement prior to funding. By signing the financing agreement, you agree to pay all fees and charges as specified therein.

5.2 Third-Party Fees

You may incur fees from third parties in connection with our Services, such as bank fees, wire transfer fees, ACH fees, credit report fees, or other charges. These fees are not imposed by Quick Merchant Capital and are your sole responsibility.

5.3 Late Fees and Default Charges

If you fail to make payments as required under your financing agreement, you may be subject to late fees, default interest rates, collections costs, attorney’s fees, and other charges as specified in your financing agreement.

5.4 Payment of Fees

All fees and charges are non-refundable unless otherwise stated in your financing agreement or required by applicable law.

6. Repayment Terms

The repayment terms for any financing product will be set forth in the applicable financing agreement. By signing the financing agreement, you agree to repay the financed amount plus all applicable fees and charges according to the specified repayment schedule.

6.1 ACH Authorization

For financing products that require automated payments, you authorize Quick Merchant Capital (or its designated payment processor) to initiate Automated Clearing House (ACH) debits from your designated bank account in accordance with the terms of your financing agreement. You agree to maintain sufficient funds in your bank account to cover each scheduled payment.

6.2 Default

Failure to make payments when due, breach of any term of your financing agreement, or any misrepresentation in your application may constitute a default under your financing agreement. In the event of a default, Quick Merchant Capital may exercise any and all remedies available under the financing agreement and applicable law, including but not limited to acceleration of the outstanding balance, assessment of default charges, referral to collections, filing of legal action, and filing of UCC liens.

7. User Accounts

7.1 Account Creation

You may be required to create an account to access certain features of our Site and Services. When creating an account, you agree to:

  • Provide accurate, current, and complete information.
  • Maintain and promptly update your account information.
  • Maintain the security and confidentiality of your login credentials.
  • Accept responsibility for all activities that occur under your account.
  • Notify us immediately if you become aware of any unauthorized use of your account.

7.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Quick Merchant Capital is not liable for any loss or damage arising from your failure to maintain the security of your account.

7.3 Account Termination

We reserve the right to suspend, deactivate, or terminate your account at any time, with or without notice, for any reason, including but not limited to violation of these Terms, suspected fraudulent activity, or inactivity. You may also request to close your account by contacting us at [email protected], subject to the satisfaction of any outstanding obligations.

8. Intellectual Property

8.1 Ownership

All content, features, and functionality on the Site, including but not limited to text, graphics, logos, trademarks, service marks, trade names, images, photographs, illustrations, icons, audio clips, video clips, data compilations, software, code, and the design, selection, and arrangement thereof (collectively, “Content”), are the exclusive property of Quick Merchant Capital or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2 Limited License

Subject to your compliance with these Terms, Quick Merchant Capital grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Site and Content solely for your personal, non-commercial use in connection with our Services. This license does not include any right to:

  • Modify, copy, reproduce, distribute, republish, download, display, post, or transmit any Content in any form or by any means.
  • Use any data mining, robots, scraping, or similar data gathering or extraction methods.
  • Use the Site or Content for any commercial purpose not expressly authorized by Quick Merchant Capital.
  • Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices.

8.3 Trademarks

“Quick Merchant Capital,” our logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Quick Merchant Capital or its affiliates. You may not use such marks without the prior written permission of Quick Merchant Capital.

9. User Conduct

When using our Site and Services, you agree NOT to:

  • Use the Site or Services for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation.
  • Provide false, misleading, or inaccurate information.
  • Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.
  • Interfere with, disrupt, or attempt to gain unauthorized access to the Site, its servers, or any networks connected to the Site.
  • Introduce viruses, Trojan horses, worms, logic bombs, malware, or other harmful or technologically destructive material.
  • Use any automated system, including but not limited to “robots,” “spiders,” “scrapers,” or “offline readers,” to access the Site.
  • Attempt to decipher, decompile, disassemble, or reverse-engineer any software or code comprising or making up the Site.
  • Collect, harvest, or store personal information of other users without their consent.
  • Use the Site to send unsolicited commercial communications (spam).
  • Engage in any activity that could damage, disable, overburden, or impair the functioning of the Site.
  • Circumvent, disable, or otherwise interfere with security-related features of the Site.
  • Use the Site in any manner that could infringe upon the rights of others, including intellectual property rights.

10. Disclaimers

10.1 “As Is” and “As Available”

THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, QUICK MERCHANT CAPITAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

10.2 No Guarantee of Results

QUICK MERCHANT CAPITAL DOES NOT WARRANT OR GUARANTEE THAT:

  • THE SITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
  • THE RESULTS OBTAINED FROM THE USE OF THE SITE OR SERVICES WILL BE ACCURATE, RELIABLE, OR COMPLETE.
  • ANY ERRORS OR DEFECTS IN THE SITE WILL BE CORRECTED.
  • THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
  • YOUR APPLICATION WILL BE APPROVED OR THAT YOU WILL RECEIVE FUNDING.

10.3 Financial Decisions

ANY INFORMATION PROVIDED ON THE SITE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONAL ADVISORS BEFORE MAKING ANY FINANCIAL DECISIONS. QUICK MERCHANT CAPITAL IS NOT RESPONSIBLE FOR ANY DECISIONS YOU MAKE BASED ON INFORMATION PROVIDED ON THE SITE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL QUICK MERCHANT CAPITAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, PARTNERS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

  • YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE OR SERVICES.
  • ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE.
  • ANY CONTENT OBTAINED FROM THE SITE.
  • UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.
  • ANY OTHER MATTER RELATING TO THE SITE OR SERVICES.

IN NO EVENT SHALL QUICK MERCHANT CAPITAL’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE AND SERVICES EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100.00) OR (B) THE AMOUNT YOU PAID TO QUICK MERCHANT CAPITAL IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

12. Indemnification

You agree to defend, indemnify, and hold harmless Quick Merchant Capital, its officers, directors, employees, agents, affiliates, partners, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising from or relating to:

  • Your use of the Site or Services.
  • Your violation of these Terms.
  • Your violation of any applicable law, rule, or regulation.
  • Your violation of any rights of a third party, including intellectual property rights and privacy rights.
  • Any information you provide to us, including any false, inaccurate, or misleading information.
  • Any content you submit, post, or transmit through the Site.

This indemnification obligation will survive the termination of these Terms and your use of the Site and Services.

13. Dispute Resolution

13.1 Governing Law

These Terms of Service and any disputes arising out of or relating to these Terms or your use of the Site and Services shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

13.2 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and Quick Merchant Capital agree that any dispute, claim, or controversy arising out of or relating to these Terms of Service or your use of the Site and Services (collectively, “Disputes”) shall be resolved through binding individual arbitration, rather than in court, except that either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

  • Arbitration Rules: Arbitration shall be conducted by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and, where applicable, the Supplementary Procedures for Consumer Related Disputes.
  • Location: Arbitration shall take place in New York County, New York, unless the parties mutually agree to a different location.
  • Arbitrator Authority: The arbitrator shall have exclusive authority to resolve all disputes, including the scope, enforceability, and arbitrability of this arbitration agreement.
  • Fees: Each party shall bear its own costs and expenses of arbitration, except as otherwise provided by the AAA rules or applicable law.

13.3 Class Action Waiver

YOU AND QUICK MERCHANT CAPITAL AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both you and Quick Merchant Capital agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding.

13.4 Opt-Out

You may opt out of this arbitration agreement by sending written notice of your decision to opt out to: Quick Merchant Capital, 3341 Bicetown Road, Manhattan, NY 10016, within 30 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of this arbitration agreement. If you opt out, the remaining provisions of these Terms will continue to apply.

13.5 Jurisdiction and Venue

For any matters not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in New York County, New York, and you waive any jurisdictional, venue, or inconvenient forum objections to such courts.

14. Electronic Communications and Signatures

14.1 Consent to Electronic Communications

By using our Site and Services, you consent to receive communications from us electronically, including via email, text message (SMS), and through notices posted on the Site. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

14.2 Electronic Signatures

You acknowledge and agree that by clicking “I Agree,” “Submit,” “Sign,” or similar buttons, or by using electronic signature tools provided on our Site, you are providing your electronic signature, which has the same legal force and effect as a handwritten signature under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws.

14.3 Text Message (SMS) Communications

By providing your phone number, you consent to receive text messages from Quick Merchant Capital related to your application, account, and our Services. Message and data rates may apply. You can opt out of text messages by replying “STOP” to any message or by contacting us at [email protected].

15. Third-Party Services and Links

Our Site may contain links to third-party websites, applications, and services. These links are provided for your convenience only. Quick Merchant Capital does not control, endorse, sponsor, or assume responsibility for any third-party content, websites, or services. Your use of third-party websites and services is at your own risk and is subject to those third parties’ terms and conditions and privacy policies.

16. Modifications to the Site and Services

Quick Merchant Capital reserves the right to modify, suspend, or discontinue the Site or any part of the Services at any time, with or without notice, and without liability to you. We may also impose limits on certain features or restrict your access to parts or all of the Site without notice or liability.

17. Changes to These Terms

We reserve the right to revise and update these Terms of Service at any time at our sole discretion. All changes are effective immediately when posted on the Site and apply to all access to and use of the Site thereafter. The “Last Updated” date at the top of these Terms will be revised accordingly.

Your continued use of the Site following the posting of revised Terms constitutes your acceptance of and agreement to the changes. You are expected to check this page periodically so you are aware of any changes, as they are binding on you.

18. Termination

We may terminate or suspend your access to the Site and Services, in whole or in part, at any time, with or without cause, with or without notice, effective immediately. Upon termination:

  • Your right to use the Site and Services will immediately cease.
  • All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, limitation of liability, and dispute resolution.
  • Termination of your access to the Site does not relieve you of any obligations under any financing agreement or other contract with Quick Merchant Capital.

19. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the provision.

20. Waiver

The failure of Quick Merchant Capital to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Quick Merchant Capital.

21. Entire Agreement

These Terms of Service, together with our Privacy Policy and any financing agreements or other contracts you enter into with Quick Merchant Capital, constitute the entire agreement between you and Quick Merchant Capital regarding the use of the Site and Services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site and Services.

22. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without the prior written consent of Quick Merchant Capital. Any attempt by you to assign or transfer these Terms without such consent will be null and void. Quick Merchant Capital may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

23. Force Majeure

Quick Merchant Capital shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, pandemics, strikes, labor disputes, power outages, internet or telecommunications failures, or any other event beyond our reasonable control.

24. Relationship of the Parties

Nothing in these Terms shall be construed to create a joint venture, partnership, franchise, agency, or employer-employee relationship between you and Quick Merchant Capital. Neither party has the authority to bind the other or to incur any obligation on the other’s behalf.

25. Headings

The headings in these Terms are for convenience only and do not affect the interpretation of these Terms.

26. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us at:

Quick Merchant Capital
3341 Bicetown Road, Manhattan, NY 10016
Phone: (718) 866-4142
Email: [email protected]

By using our Site and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.