Disclosures
Effective Date: August 19, 2026
Last Updated: August 19, 2026
1. Broker/Intermediary Disclosure
Westvalve Financial is a commercial financing brokerage/intermediary, not a bank or direct lender. We do not make financing decisions, underwrite loans, or provide financing directly. We connect businesses with third-party financing providers. All financing is subject to provider eligibility, underwriting, documentation, and approval.
2. No Guarantees
We do not guarantee, warrant, or represent that:
- Your financing inquiry will result in an offer
- You will be approved for financing
- You will receive any specific rate, term, or funding amount
- Financing is available in all states or for all business types
Any representation to the contrary is unauthorized and not made by Westvalve Financial.
3. Compensation Disclosure
Westvalve Financial may receive compensation from financing providers for facilitating introductions or referrals. This compensation may vary by provider and product. Our compensation does not affect the rates, fees, or terms offered to you by the financing provider.
4. State Licensing
Commercial financing brokerage activities may require licensing in certain states. Westvalve Financial maintains appropriate licenses and registrations where required. For specific licensing information, contact us at sean@westvalvefinancial.com.
5. California Residents — CFL / DFPI Notice
Loans made or arranged pursuant to a California Financing Law license. Westvalve Financial is not the lender. The lender is a third-party financing provider.
6. New York Residents — DFS Notice
Westvalve Financial is not a licensed lender under New York Banking Law. We act as a broker/intermediary connecting businesses with licensed or exempt financing providers.
7. SBA Financing Disclosure
SBA financing options are offered through participating SBA-approved lenders. Westvalve Financial is not an SBA lender or agent of the SBA. SBA loans are subject to SBA eligibility requirements, lender underwriting, and SBA program terms. The SBA does not endorse Westvalve Financial.
8. TCPA and Marketing Consent
By submitting an inquiry or providing your phone number, you consent to receive calls, texts, or emails from Westvalve Financial and our financing partners regarding your inquiry and financing options. This consent is not a condition of purchasing any goods or services. You may opt out at any time by contacting us.
9. Rates, Fees, and Terms
All rates, fees, terms, and funding amounts are determined solely by the financing provider based on your business profile, creditworthiness, and program requirements. Westvalve Financial does not set or control these terms. Example rates or ranges shown on this website are illustrative only and not offers of financing.
10. Information Sharing with Providers
When you submit an inquiry, we share your business and contact information with potential financing providers to evaluate your request. Providers may contact you directly. We are not responsible for providers' use of your information or their privacy practices.
11. Commercial vs. Consumer Financing
Westvalve Financial assists with commercial/business financing only. We do not offer consumer loans, personal loans, or consumer credit products. Business financing is not subject to the same consumer protection regulations as consumer credit (e.g., TILA, RESPA, CARD Act).
12. Anti-Discrimination
Financing providers comply with applicable fair lending laws, including the Equal Credit Opportunity Act (ECOA). Credit decisions are made without regard to race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
13. Right to Receive Appraisal/Valuation
If an appraisal or valuation is obtained in connection with secured financing, you have the right to receive a copy upon written request, in accordance with applicable law.
14. Contact for Compliance Inquiries
Westvalve Financial[Legal Business Address]
Email: sean@westvalvefinancial.com
Phone: (585) 515-0152