Terms of Use

“Last Updated” December 30, 2025

Acceptance of the Terms

Welcome to Merchant Bloom. By accessing or using our website, applying for funding, or submitting information, you agree to these Terms of Use. If you do not agree, do not use the site.

1. DEFINITIONS

• “Company,” “we,” “us,” “our” refer to Merchant Bloom, LLC.
• “User,” “you,” “Applicant” refers to any visitor, applicant, or merchant.
• “Services” refer to our website, application, underwriting, and funding evaluation tools.

2. MCA-SPECIFIC DISCLOSURE (NON-LOAN STATEMENT)

Merchant Bloom, LLC is not a lender. Financing is provided through a sale of future receivables (“Merchant Cash Advance”), not a loan.

• There is no interest rate and no fixed repayment term.
• Repayment occurs only through future receivables as outlined in your agreement.
• This disclosure applies to all applications submitted through this website.

3. ELIGIBILITY

To use our Services, you must:

• Be at least 18
• Operate a business legally in the United States
• Have the authority to bind the business

4. USE OF THE WEBSITE

You agree not to:

• Misrepresent information
• Interfere with website functionality
• Reverse-engineer or scrape data
• Upload or transmit harmful code
• Website and services are provided “as is” and “as available”; no warranties
• Third-party links (Plaid, social media) are not our responsibility
• Use of the website is governed by our Privacy Policy
• Severability, assignment, waiver, entire agreement apply
• Funding agreements control actual financing if there is a conflict
• We may suspend or terminate access at our discretion.
• To the maximum extent permitted by law, Merchant Bloom, LLC and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits or business interruption.
• In no event shall Merchant Bloom, LLC’s total liability exceed a minimum $100 or the amount paid by you for services, whichever is greater.

5. APPLICATION & VERIFICATION

By applying, you:

• Certify that all information is true and complete
• Authorize bank verification via secure data connections
• Authorize credit and background verification as further described in the stand-alone Credit & Information Authorization
• Authorize contact with references, banks, and processors
• Authorize us to share your information with our funding partners

False information may result in denial or legal consequences.

6. NO GUARANTEE OF FUNDING

Applying does not guarantee approval.

7. INTELLECTUAL PROPERTY

All content, logos, copy, website structure, and materials are owned by Merchant Bloom and protected under U.S. and international law.

8. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Merchant Bloom, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or business interruption.

Merchant Bloom’s total liability arising out of or related to these Terms or the use of the website shall not exceed the greater of:
(a) the total fees actually paid by you to Merchant Bloom for the applicable services, or
(b) $100.

9. INDEMNIFICATION

You agree to indemnify and hold Merchant Bloom harmless against any claims arising from:

• Misuse of the website
• Misrepresentation
• Violations of these Terms

10. GOVERNING LAW & VENUE

These Terms are governed by the laws of the State of New York. Any disputes must be brought exclusively in state or federal courts located in Albany County, New York.

11. ELECTRONIC SIGNATURE CONSENT (ESIGN ACT)

You consent to electronic signatures and records in accordance with the U.S. ESIGN Act and NY law.

12. CHANGES TO TERMS

We may update these Terms at any time. Material changes will be communicated via email or website notice, and become effective upon posting.