🔒 Lumen Point Capital – Disclosure & Consent Statement
Last updated: 6/4/25
Lumen Point Capital, LLC (“we,” “us,” or “our”) is a veteran-owned business funding facilitator. We are not a direct lender. We act as a broker and/or referral source, working with a network of independent third-party lenders, funders, and private capital providers to match business owners with financing solutions tailored to their needs.
By submitting your information on this website, through one of our application forms, or by otherwise engaging with our services (via phone, email, or SMS), you agree to the following:
1. Broker and Referral Compensation
We may receive compensation from funders, lenders, or capital partners in connection with arranging funding. This compensation may be a flat fee or a percentage of the funded amount. We always aim to match you with the best available option based on your submitted information and expressed goals — not solely on potential compensation.
2. Consent to Contact
By providing your phone number or email, you agree that Lumen Point Capital and/or our authorized funding partners may contact you via phone call, SMS/text, email, or other means about your funding inquiry. Standard message and data rates may apply. You may opt out of communications at any time.
3. Credit and Financial Information
You authorize us and our funding partners to obtain information from credit bureaus, public databases, and other sources to evaluate your business’s creditworthiness. This may include soft or hard credit pulls, depending on the funder’s underwriting process. We will never share your personal or business information outside of our vetted funding network.
4. Application Sharing & Funding Offers
If your application is declined by one funding source, we may, with your permission, share your information with alternate providers in our network who may offer different terms or structures. This process is intended to increase your chances of receiving a workable offer.
5. No Guarantee of Approval or Terms
We do not guarantee funding, interest rates, or specific terms. All offers are subject to underwriting review by the lender or funding partner, and your business must meet their specific qualifications.
6. Use of Proceeds and Responsible Borrowing
We encourage all applicants to carefully review and understand the structure, cost, and obligations of any funding offer. Some products (such as revenue-based financing or factoring) are not loans and may carry unique repayment mechanisms. We recommend consulting with a financial advisor before accepting any capital.
7. Compliance and Ethics
Lumen Point Capital operates in accordance with all applicable federal and state laws, including the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) standards. We are committed to ethical practices, transparency, and long-term business relationships built on trust.
8. Acknowledgment
By using our website, submitting an application, or continuing communication with our team, you acknowledge that you have read and understood this disclosure, and agree to the terms stated herein.