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Authorization and Consent Disclosure

By submitting this Application, you acknowledge and agree that you are providing written consent for
Lumen Point Capital, LLC and its funding partners, affiliates, or associated third-party capital providers
(collectively, “Lumen Point Capital and its Partners”) to evaluate your eligibility for business funding.
This may include, but is not limited to, the review of credit reports, business and personal financial data,
employment verification, and background checks.

✅ Applicant Representations and Authorizations

The Business Applicant and each Principal, person, or entity signing this Application or any related addendum
(“Signer”) further represents, acknowledges, and agrees to the following:

• All information provided to Lumen Point Capital and its Partners is true, accurate, and complete.


• If Lumen Point Capital does not directly offer financing, Signers authorize the sharing of this information with potential funding partners in our vetted network solely for evaluating financing options.


• Each Signer expressly consents and authorizes Lumen Point Capital and its Partners to:
  
  
  
  • Obtain credit and employment information;
  
  
  • Perform business and/or personal soft or hard credit pulls;
  
  
  • Make other relevant inquiries to assess eligibility for business funding;
  
  
  • Disclose account details and application status as required by law.
  
  
  
  


• Signers acknowledge that additional documentation may be requested to complete underwriting or funding and agree to promptly notify us of any changes to the information provided.

📞 Consent to Communication

By submitting this application, you also authorize Lumen Point Capital and its Partners to contact you at any phone number or email address you provide — including mobile numbers — via:

• Call


• Text message (SMS/MMS)


• Email


• Pre-recorded voice messages


• Automated dialing systems

This includes informational, transactional, and follow-up messages related to your funding inquiry.
You may opt out of marketing communications at any time.

Note: You are not required to consent to marketing communications in order to apply for or receive funding.

🧾 Consent to Credit Check

You explicitly consent to one or more credit inquiries, which may be soft or hard pulls depending on funder requirements.
These inquiries may be conducted by Lumen Point Capital, our affiliates, or our partnered funding institutions.
This step is required to determine qualification and offer terms.

🔒 Data Usage and Transparency

To learn more about how we protect and use your information, please review our:

• Terms & Conditions

• Privacy Policy

• Important Disclosure

By submitting this Application, you confirm that you have read, understood, and agree to these policies.