Terms of Service

Acceptance of Terms

By accessing and using the Sagamore Financial Group website ("sagamorefinancialgroup.com"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

About Our Services

Sagamore Financial Group is a commercial loan brokerage. We are not a direct lender. We connect businesses with lending partners who may provide funding. All lending decisions, including approval, terms, rates, and conditions, are made solely by our lending partners.

Any information provided on our website, including funding estimates from our qualification calculator, is for informational purposes only and does not constitute a loan offer, commitment, or guarantee of funding.

Eligibility

To use our services, you must be at least 18 years old, have the authority to enter into agreements on behalf of the business seeking funding, and provide accurate and complete information in your application.

Application Process

When you submit an application through our website, you authorize Sagamore Financial Group and its lending partners to:

• Verify the information you provide, including business and personal details
• Perform soft credit inquiries during the initial evaluation (soft inquiries do not affect your credit score)
• Perform hard credit inquiries if you choose to proceed with a specific lending offer (you will be notified before any hard inquiry is made)
• Contact you by email, phone, or text regarding your application and funding options

Accuracy of Information

You agree to provide truthful, accurate, and complete information in your application and all communications with us. Providing false or misleading information may result in the denial of your application and may constitute fraud.

No Guarantee of Funding

Submitting an application does not guarantee approval or funding. Sagamore Financial Group does not make lending decisions. Funding availability, amounts, rates, and terms are determined by our lending partners based on their own underwriting criteria.

Fees

Sagamore Financial Group does not charge application fees. Our compensation comes from our lending partners when funding is successfully arranged. Any fees associated with a specific loan product will be disclosed by the lending partner before you accept an offer.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Sagamore Financial Group or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our written permission.

Website Availability

We strive to keep our website available at all times but do not guarantee uninterrupted access. We may modify, suspend, or discontinue any part of our website at any time without notice.

Limitation of Liability

To the fullest extent permitted by law, Sagamore Financial Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of profits, data, or business opportunities.

Indemnification

You agree to indemnify and hold harmless Sagamore Financial Group, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the state in which Sagamore Financial Group operates, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes acceptance of the revised terms.

Contact

Questions about these Terms of Service? Contact us at info@sagamorefinancialgroup.com.