Legal Disclaimers
The Credit Express (also referred to as “The Credit Express”, “we” or “us”) works with 3rd party providers that risk-assess, originate, and risk-manage various types of financial products and services geared towards consumers and business owners. These 3rd party providers utilize capabilities which include proprietary data, daily remittance platforms, workflow solutions, scoring models, and analytics, among others. By working with 3rd party providers, The Credit Express makes it possible for consumers and businesses to improve their personal and business credit, and also obtain personal and business loans and/or capital.
The Credit Express is not a law firm and we cannot provide anyone with any legal advice. None of our customer service representatives are lawyers and they also do not provide legal advice. The information provided on this page is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. The content provided on this page is strictly for informational purposes only.
Listed below are the consumer and business products being offered.
Business Products:
Commercial Real Estate Financing
Hard Money Loans for Commercial Properties
Small Business Administration “SBA” Loans
Consumer Products:
Hard Money Loans for Residential Properties
Home Equity Loans and Home Equity Lines of Credit
Merchant Cash Advances
The Credit Express uses 3rd party providers to provide business owners the chance to sell future credit card purchases and other future sales at a discount. These arrangements are most commonly known as Merchant Cash Advances (also known as “MCAs”). MCAs are not and will never be loans or extensions of credit. Instead, they are considered to be “true sales” of a merchant’s future card receivables. In a Merchant Cash Advance, there’s no set term, no fixed or minimum payment, no maturity date, and no late fees. Business owners are required to guarantee certain actions in the guidelines of the MCA agreement. This includes using a designated credit card processor exclusively. However, it’s important to emphasize that MCAs do not require a personal guarantee of payment or a guarantee of personal collateral – such as those found in a loan.
Small Business Loans
A small business loan is a sum of money that is taken out by a business or a business owner, specifically for use on business expenses. Loans have terms, maturity dates, and require a guarantee of payment from the borrower.
In describing how The Credit Express meet the needs of capital lenders, small to medium sized businesses, payment processing groups and others, we might use terms like “lenders,” “loans,” and other similarly related terms. All the business loans obtained via The Credit Express are done via 3rd party providers.
Personal Credit Repair Program
The personal credit repair program entails a comprehensive initial credit audit and submission of disputes to the credit bureaus, i.e. Equifax, Experian and Trans Union. The Credit Express, at its sole discretion, may assist in completing the program on behalf of its clients and/or may outsource the program to a 3rd party provider.
Business Credit Builder Program
The business credit builder program entails a 6 step program and a 20 point comprehensive checklist, which upon completion, allows business owners to secure up to $100,000 in business funding without using a social security number or a personal guarantee. The Credit Express, at its sole discretion, may assist in completing the program on behalf of its clients and/or may outsource the program to a 3rd party provider.
Important Account Opening Procedures
In order to aid the U.S. government in preventing fraud, money laundering, and funding illegal or lethal activities, federal law requires any and all financial institutions to verify, record, and obtain information that identifies each person who opens up an account. This means that when you open an account with The Credit Express, we will ask you for your name, address, phone number, and other similar information to help us identify you and verify you. We may also require your driver’s license as a form of verification.
Contact Us
We are more than happy to answer any questions that you may have regarding our Legal Disclaimers. If you have any questions, comments, or concerns, please email us to info@thecreditexpress.org.
Last Revised: March 11, 2017