Website Terms and Conditions

FGI Financial LLC, doing business as Business Capital Mastery (“BCM,” “we,” “us,” or “our”)

Effective date / last updated: November 13, 2026

1. Accepting these terms

These Terms and Conditions (“Terms”) apply to your use of businesscapitalmastery.com and its subdomains, including apply.businesscapitalmastery.com (the “Site”), and the forms, content, and communications we offer through it (together, the “Services”). By using the Site or submitting a form, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

If you buy a paid program or service from BCM (for example, a business credit or coaching program), the separate agreement for that program also applies. If it conflicts with these Terms, the separate agreement controls for that program.

2. What BCM does and does not do

• BCM is a marketing company and referral partner. We provide education about business credit and funding and refer business owners to independent brokers and funding partners.
• BCM is not a lender, funder, or broker. We do not make loans or advances, make credit or funding decisions, or set rates, fees, or other terms.
• No guarantee of funding. Submitting a form or application does not mean you will be approved, matched, or funded, or receive any particular amount, rate, or timeline.
• Estimates are not offers. Any amounts, ranges, timelines, or “pre-qualification” results shown on the Site or discussed with us are general estimates based on limited information. They are not offers or commitments to lend.
• Funding partners set their own terms. Any funding is offered and provided by an independent third party under its own application, underwriting, agreement, and disclosures. Your agreement for any funding is with that third party, not with BCM. Review all terms carefully, and consider getting your own legal, tax, or financial advice before signing.
• Compensation. BCM may be paid by brokers, funding partners, or our platform provider when we refer you or when you are funded.
• Not professional advice. Content on the Site is general information, not legal, tax, accounting, or financial advice.

3. Who may use the Site

The Services are for businesses located in the United States. You must be at least 18 years old and able to enter into a binding contract. If you use the Site for a business, you confirm that you are authorized to act for that business and to share its information, and “you” includes the business.

4. Your information

You agree that information you give us, including on any application, is true, accurate, current, and complete, and that you will update it if it changes. You confirm that you have the right to give us any information about other people, such as co-owners. Giving false information may end your use of the Services and may have legal consequences. Our Privacy Policy explains how we collect, use, and share information, including sharing your application with our platform provider, funding partners, and brokers.

5. Calls, texts, and emails

How we may contact you, and how to stop, is explained in our Privacy Policy and our Text Messaging Terms. Calls and texts that use automated technology or an artificial or AI voice are made only with the consent the law requires, and consent to calls or texts is never a condition of buying anything or applying for funding. You agree that we may send you notices, agreements, and other communications electronically, such as by email or by posting them on the Site.

6. Third-party platforms and links

Our online application is a BCM-branded version of a platform provided by Trulli Holdings, LLC (“Trulli”). When you use it, Trulli’s Terms and Privacy Policy may also apply. The Site may also link to or embed other third-party websites and services, including those of funding partners, brokers, and bank-connection or document-upload providers. We do not control and are not responsible for third-party sites, services, content, or decisions, and a link does not mean we endorse them. Your dealings with third parties are between you and them.

7. Our content and trademarks

The Site and its content, including text, graphics, logos, videos, and course or program materials, are owned by BCM or its licensors and protected by intellectual property laws. Business Capital Mastery and our logos are trademarks of FGI Financial LLC. You may view and print Site content for your own business’s internal, non-commercial use. You may not copy, sell, republish, or create works based on our content without our written permission. Other names and logos on the Site belong to their owners.

8. Acceptable use

You agree not to:

• submit false, misleading, or someone else’s information without authorization, or impersonate anyone;
• use the Site for any unlawful, fraudulent, or harmful purpose;
• submit forms for someone else without their permission, or submit automated or spam submissions;
• scrape, copy, or collect data from the Site using bots or other automated means;
• interfere with, disrupt, or try to gain unauthorized access to the Site, our systems, or other users’ information;
• upload viruses or other harmful code; or
• use the Site to compete with us or to build a similar service.

We may suspend or end your access to the Site at any time if we believe you have violated these Terms.

9. Disclaimers

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, BCM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT PROMISE THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT INFORMATION ON IT IS COMPLETE OR CURRENT, OR THAT YOU WILL OBTAIN ANY FUNDING OR RESULT. INFORMATION ABOUT FUNDING PRODUCTS, PARTNERS, AND RESULTS CAN CHANGE WITHOUT NOTICE. EXAMPLES OR RESULTS DESCRIBED ON THE SITE ARE NOT TYPICAL OR GUARANTEED.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BCM AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATING TO THE SITE, THE SERVICES, OR ANY THIRD PARTY (INCLUDING ANY FUNDING PARTNER, BROKER, OR PLATFORM PROVIDER), EVEN IF WE WERE TOLD SUCH DAMAGES WERE POSSIBLE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SITE AND THESE TERMS WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID BCM FOR THE SERVICES GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE CLAIM AROSE. SOME LAWS DO NOT ALLOW THESE LIMITS, SO THEY MAY NOT ALL APPLY TO YOU.

11. Indemnity

To the extent permitted by law, you agree to defend, indemnify, and hold harmless BCM and its owners, officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Site, your violation of these Terms or the law, or information you submit that is false or that you were not authorized to provide.

12. Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules, and by applicable federal law.

13. Resolving disputes

Before filing a claim, please contact us at info@businesscapitalmastery.com so we can try to resolve the issue informally. If we cannot resolve it within 30 days, either of us may proceed as follows:

Individual arbitration. Any dispute arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration administered by the American Arbitration Association under its applicable rules, held in Harris County, Texas, or by video. Fees and costs of arbitration are allocated as those rules provide. Either party may instead bring an individual claim in small claims court if it qualifies, and either party may seek court orders to protect intellectual property.

Class action and jury trial waiver. You and BCM waive any right to a jury trial and to participate in a class or representative action. If this class waiver is found unenforceable for a claim, that claim will proceed in the state or federal courts located in Harris County, Texas, and not in arbitration.

Opting out of arbitration. You may opt out of this arbitration agreement by sending written notice to info@businesscapitalmastery.com within 30 days after you first accept these Terms. Your notice should include your name and a clear statement that you are opting out. If you opt out, disputes will be resolved in the state or federal courts located in Harris County, Texas.

Severability. If any part of this section is found unenforceable, the rest of it will still apply.

14. Changes to these Terms

We may update these Terms from time to time by posting the new version on this page and changing the effective date. Changes apply from the effective date and do not apply to disputes that arose before it. If you keep using the Site after changes take effect, the updated Terms apply to that use.

15. Other terms

If any part of these Terms cannot be enforced, the rest stays in effect. Our failure to enforce any part is not a waiver. You may not transfer your rights under these Terms; we may transfer ours in connection with a merger, sale, or reorganization. These Terms, the Privacy Policy, and any separate program agreement are the full agreement about the Site.

16. Contact us