Legal
Please read these terms carefully. They include an agreement to resolve most disputes through individual arbitration, with a 30-day opt-out.
Last Updated: September 1, 2026
The website located at www.loanableusa.com (the "Site") is owned and operated by Nextgen Capital Solutions LLC, a Nevada limited liability company doing business as Loanable ("Loanable," "Company," "us," "our," or "we"). Certain features may be subject to additional guidelines or rules posted on the Site (including the Partner API documentation, partner agreement, credit authorization, and SMS terms), which are incorporated into these Terms of Service ("Terms").
These Terms govern your use of the Site and related services that link to these Terms. By accessing or using the Site, submitting an application, creating an account, or clicking "I agree" (or a similar checkbox) when that option is presented, you agree to these Terms on behalf of yourself or the entity you represent, and you confirm that you have authority to do so. You must be at least 18 years old. If you do not agree, do not use the Site.
Important — please read Section 16 (Dispute resolution) carefully. It contains an agreement to resolve disputes through binding individual arbitration instead of in court, and includes a waiver of class-action rights and jury-trial rights. You have 30 days to opt out, as described in that section.
If you are a referral partner and have a signed Referral Partner Agreement with us, that agreement controls if it conflicts with these Terms on partner commissions, API access, or other commercial partner terms. Our Data Processing Addendum applies when a partner submits applicant personal information through the portal or Partner API.
Your continued use of the Site constitutes acceptance of these Terms and of updates we post. We may update these Terms as described in Section 15.
Loanable operates a lending marketplace that connects small businesses with participating lending partners. We are not a lender, broker-dealer, or bank, and we are not the Small Business Administration. We do not make loans or credit decisions. Our role includes:
Submitting an application does not guarantee approval or funding. Lending decisions, rates, fees, and terms are made solely by participating lenders under their own criteria and agreements with you.
To use the Service you must:
The Service is offered from the United States. We may refuse, suspend, or limit access at our discretion, including where required by law or lender guidelines.
Some features require registration (for example the applicant status page or partner portal). You agree to provide accurate information and keep it current. We may suspend or terminate accounts as described in Section 13.
You are responsible for keeping login credentials confidential and for activity under your account. Notify us immediately if you believe your account was accessed without authorization. We are not liable for losses resulting from your failure to keep credentials secure. Partner API secrets are shown once in the Partner Portal after Loanable issues a key; if lost, we revoke that key and issue a new one on request.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for lawful purposes related to exploring, applying for, or (if you are an approved partner) referring small-business funding through Loanable.
You may not: (i) license, sell, rent, lease, transfer, assign, distribute, or commercially exploit the Site or its content except as expressly allowed (for example approved partners using the Partner API as documented); (ii) modify, create derivative works from, disassemble, reverse-compile, or reverse-engineer any part of the Site; (iii) access the Site in order to build a similar or competing product except to the extent applicable law prohibits this restriction; (iv) copy, scrape, or republish Site content except as these Terms allow; (v) interfere with security, rate limits, or other users; (vi) upload malware, exploit payloads, or files we prohibit; or (vii) impersonate any person or submit false applications. Keep copyright notices intact on any permitted copies.
We may modify, suspend, or discontinue the Site or any part of it at any time, with or without notice, and we are not liable for that change. We have no obligation to provide support except as we separately agree in writing (for example with a partner).
All intellectual property in the Site and its content — including copyrights, trademarks, and trade secrets — belongs to Loanable or its licensors. These Terms do not transfer ownership. All rights not expressly granted are reserved.
If you share feedback or suggestions, you grant us a perpetual, irrevocable, worldwide, non-exclusive, fully paid, royalty-free license to use that feedback for any purpose without attribution. Do not submit feedback you consider proprietary.
You agree to provide accurate, current, and complete information and to update it when it changes. Providing false or misleading information may result in denial, termination, or legal action.
By submitting an application or authorizing a credit check, you authorize us and participating lenders to:
You are responsible for reviewing any loan, MCA, or other financing agreement a lender offers you. Those contracts are between you and the lender, not Loanable.
No guarantee of funding. Loanable does not guarantee any specific product, rate, or approval. Marketplace matching is not a credit decision.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms. If these Terms conflict with the Privacy Policy on collection, use, or processing of personal data, the Privacy Policy controls on those topics.
The Site uses cookies, pixels, and similar technologies. Details and controls are in our Cookie Notice. You can change preferences anytime via Cookie Settings.
By checking a dedicated SMS opt-in (not required to apply), you consent to receive automated text messages from Loanable about your funding application: status updates, document requests, and lender offers to review. Loanable is not a lender and does not send advertising blasts or cold texts.
Message frequency varies with your application activity. You will typically receive fewer than 10 messages per month. Follow-up reminders are not sent late at night (U.S. Eastern time).
Message and data rates may apply depending on your mobile carrier and plan. Loanable USA is not responsible for carrier charges. Check with your provider for your messaging plan.
By providing your mobile number and checking the SMS opt-in, you expressly consent to receive recurring automated text messages from Loanable at that number. Consent is not a condition of applying or of using the Service. You may opt in on an application form, by texting START to our number, or through a representative after a clear disclosure.
Text STOP to any message to opt out. You will receive a one-time confirmation, and no further program messages will be sent unless you opt in again.
Text HELP for help, or contact us at apply@loanableusa.com or (833) 800-3883.
The program is supported by major U.S. carriers including AT&T, Verizon, T-Mobile, U.S. Cellular, and other participating carriers. Carriers are not liable for delayed or undelivered messages.
Your phone number and opt-in data will not be shared with or sold to third parties or affiliates for their marketing. Information is used only to send Loanable USA SMS Program messages as described here and in our Privacy Policy.
Summary: By opting in, you agree to receive recurring texts. Message and data rates may apply. Text STOP to opt out. Text HELP for help. Frequency varies, up to 10 messages per month.
The Site may include links to or integrations with third-party websites or services (including lenders, Plaid, Auth0, analytics, and ads) ("Third-Party Services"). We do not control, endorse, or take responsibility for them. You use them at your own risk, and the third party's terms and privacy practices apply.
Interactions with other users (including referral partners and lenders) are between you and those parties. We are not responsible for loss or harm from those interactions, and we may, but need not, become involved in disputes between users.
To the fullest extent permitted by law, you release Loanable and its officers, employees, agents, successors, and assigns from claims arising out of the Site, other users, or Third-Party Services. If you are a California resident, you waive California Civil Code Section 1542, which states: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."
THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, LOANABLE AND ITS SUPPLIERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES. WHERE LAW REQUIRES WARRANTIES, THEY ARE LIMITED TO 90 DAYS FROM YOUR FIRST USE.
Loanable does not warrant any lender's product, approval, rate, or funding timeline. Calculators and educational content are estimates only.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) LOANABLE AND ITS SUPPLIERS WILL NOT BE LIABLE FOR LOST PROFITS, LOST DATA, COSTS OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SITE, INCLUDING DECISIONS MADE BY LENDING PARTNERS OR TERMS OF ANY FINANCING YOU ACCEPT; AND (B) OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS IS CAPPED AT THE GREATER OF (i) FIFTY U.S. DOLLARS ($50) AND (ii) THE AMOUNT YOU PAID TO LOANABLE UNDER THESE TERMS IN THE SIX MONTHS BEFORE THE INCIDENT GIVING RISE TO THE CLAIM (WHICH IS OFTEN $0 FOR APPLICANTS). MULTIPLE CLAIMS DO NOT INCREASE THIS CAP.
Some jurisdictions do not allow certain limitations. In those jurisdictions, our liability is limited to the maximum extent permitted.
You agree to defend, indemnify, and hold harmless Loanable and its officers, employees, and agents from claims and reasonable costs or attorneys' fees arising out of (i) your use of the Site, (ii) your application or the information you submit, (iii) your violation of these Terms, or (iv) your violation of law. We may assume control of the defense at your expense, and you will cooperate. You will not settle a claim without our prior written consent. We will make reasonable efforts to notify you of claims we become aware of.
These Terms remain in effect while you use the Site. We may suspend or terminate your access (including deleting an account or revoking API keys) at any time for any reason, including if we believe you violated these Terms. We are not liable to you for termination. Upon termination, Sections 5 (restrictions, ownership, feedback), 7 through 12, 14 through 16, and any other provisions that by their nature should survive, will survive.
The following apply only to users to the extent they are subject to the identified state's laws. If a provision here conflicts with another part of these Terms, the state-specific provision controls for those users.
You may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 N. Market Blvd. Suite N-112, Sacramento, CA 95834, or (800) 952-5210. Under California Civil Code Section 1789.3, California users are entitled to this notice: the provider of the Site is Nextgen Capital Solutions LLC dba Loanable, 5940 S Rainbow Blvd, Suite 4101, Las Vegas, NV 89118. To file a complaint regarding the Site or to receive further information, write to that address or email apply@loanableusa.com. California residents may have additional rights under the CCPA/CPRA; see our Privacy Policy.
You may have rights to access, correct, delete, port personal data, and to opt out of sale, sharing, targeted advertising, or certain profiling. See our Privacy Policy.
Nevada residents may direct us not to sell certain covered information. We do not currently make those sales. Email apply@loanableusa.com to make a request covering any potential future sales.
We may update these Terms from time to time. If we make material changes, we may notify you by email (if we have an address) or by a notice on the Site. Continued use after notice means you accept the updated Terms.
These Terms and any dispute arising out of or related to them or the Site are governed by the laws of the State of Nevada, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the arbitration agreement. For any claim not subject to arbitration, you and Loanable consent to exclusive jurisdiction and venue in the state or federal courts located in Clark County, Nevada. Either party may still seek injunctive relief in any court of competent jurisdiction to protect intellectual property, and either party may bring an individual action in small-claims court for claims within that court's limits.
You will not export, re-export, or transfer technical data acquired from the Site in violation of U.S. export laws.
You consent to receive communications from us electronically (email, SMS if opted in, or notices on the Site). Electronic communications satisfy any legal requirement that notice be in writing.
We aim to conform to WCAG 2.1 Level AA. If you have trouble using the Site, contact us at apply@loanableusa.com or (833) 800-3883, or see our Accessibility statement. We will make reasonable efforts to address concerns promptly.
These Terms (together with the Privacy Policy, Cookie Notice, and other policies referenced here) are the entire agreement between you and Loanable regarding the Site, except for a signed partner agreement or credit authorization that says otherwise. If a provision is invalid, it will be modified to the minimum extent necessary, and the rest remains in effect. Failure to enforce a provision is not a waiver. "Including" means "including without limitation." You may not assign these Terms without our written consent; we may assign them. These Terms bind permitted assignees.
Copyright © 2026 Nextgen Capital Solutions LLC. All rights reserved. Loanable and related marks are trademarks of Nextgen Capital Solutions LLC or its licensors. You may not use them without prior written consent.
Please read this section carefully. It affects your legal rights, including your right to sue in court and your right to a jury trial.
Except as described below, you and Loanable agree to resolve all disputes arising out of or relating to the Site, the Service, or these Terms through binding individual arbitration — not in court. Exceptions: (i) claims that qualify for small-claims court, brought on an individual basis; and (ii) requests for equitable relief related to intellectual property. This agreement applies to claims that arose before you agreed to these Terms.
Before starting arbitration, the parties will try to resolve the dispute informally. The party raising the dispute must send a written Informal Notice. Within 45 days of receiving it, the parties will meet by phone or video in good faith. Send notices to: apply@loanableusa.com and Nextgen Capital Solutions LLC, 5940 S Rainbow Blvd, Suite 4101, Las Vegas, NV 89118. If informal resolution does not resolve the dispute within 60 days, either party may start arbitration.
Arbitrations will be administered by JAMS (www.jamsadr.com). Claims under $250,000 (excluding fees and interest) will use JAMS Streamlined Arbitration Rules; larger claims will use JAMS Comprehensive Arbitration Rules. Unless the parties agree otherwise, arbitration will be conducted in the county where you live. Materials are confidential.
The arbitration request must include: (i) your contact information and account identifier if any; (ii) a description of the claims and supporting facts; (iii) the relief sought and a good-faith damages estimate; (iv) confirmation that you completed informal resolution; and (v) proof of any required filing-fee payment.
The arbitrator may resolve all arbitrable disputes, including scope and enforceability of this arbitration agreement — except that courts (not arbitrators) decide: (i) challenges to the class-action waiver; (ii) disputes about arbitration fees; (iii) whether a condition precedent to arbitration was satisfied; and (iv) which version of this agreement applies. The arbitrator may award the same relief as a court, but only on an individual basis. The award is final and binding, and judgment may be entered in any court with jurisdiction.
BY AGREEING TO ARBITRATION, YOU AND LOANABLE WAIVE THE RIGHT TO A TRIAL BY JUDGE OR JURY FOR ALL COVERED CLAIMS.
ALL DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS. NEITHER YOU NOR LOANABLE MAY BRING CLAIMS AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, REPRESENTATIVE, OR COLLECTIVE PROCEEDING. The arbitrator may award relief only on an individual basis. If a court finds this class-action waiver unenforceable as to a specific claim, that claim may be litigated in state or federal court in Clark County, Nevada; all other claims remain subject to arbitration.
Each party bears its own attorneys' fees unless the arbitrator finds a claim was frivolous or brought for an improper purpose.
If 100 or more substantially similar arbitration demands are filed against Loanable within a 30-day period by the same law firm or coordinated group, JAMS will batch them into groups of 100 and appoint one arbitrator per batch, with one set of fees per batch.
You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to Nextgen Capital Solutions LLC, 5940 S Rainbow Blvd, Suite 4101, Las Vegas, NV 89118, or email apply@loanableusa.com with the subject "Arbitration Opt-Out." Your notice must include your name, address, email, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other part of these Terms.
If any part of this arbitration agreement is found invalid, it will be modified to the minimum extent necessary to make it enforceable; the rest remains in effect.