Terms of Service

LenderMatch LLC

An Illinois Limited Liability Company

Effective Date: March 1, 2026 | Last Updated: February 2026

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and LenderMatch LLC (“LenderMatch,” “Company,” “we,” “us,” or “our”) governing your use of the lendermatch.com platform (the “Platform”). By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

If you are using the Platform on behalf of a business or other entity, you represent and warrant that you have the full power and authority to bind that entity to these Terms and that doing so does not conflict with any other agreement or obligation to which it is a party.

2. Description of Service

LenderMatch operates a commercial loan matching platform that connects businesses seeking financing (“Borrowers” or “Clients”) with banks, credit unions, and private lending institutions (“Lenders”). The Platform uses algorithmic scoring to evaluate the compatibility between a Borrower’s financing needs and a Lender’s lending criteria, then facilitates an introduction between matched parties.

LenderMatch is not a lender. LenderMatch acts solely as an independent contractor and agent for the limited purpose of procuring financing from qualified Lenders on behalf of Borrowers. No agency, fiduciary, partnership, or joint-venture relationship is created between LenderMatch and any user. We do not make loan decisions, set interest rates, approve or deny applications, or fund loans. All lending decisions are made solely by the matched Lender. Borrowers retain full discretion regarding acceptance of any loan offer. We do not guarantee that any Borrower will receive financing or that any Lender will approve an application.

3. User Accounts

To use certain features of the Platform, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account.

4. Borrower Terms

4.1 Engagement and Authorization

By submitting a pre-qualification form or deal through the Platform, you authorize LenderMatch to present your loan package (including financial and credit information) to, and to solicit funding solutions from, Lenders, including banks, non-bank financial institutions, and private lenders. You represent that all information provided is accurate and complete to the best of your knowledge.

4.2 Matching Process

Our matching system evaluates your deal against Lender criteria across multiple dimensions, including loan type, geography, loan amount, credit profile, and other factors. Matches are presented one at a time. You are not obligated to accept any match or proceed with any Lender. Match scores are estimates of compatibility and do not guarantee loan approval or specific terms.

4.3 Success Fee Agreement

Where a matched Lender does not have a separate fee agreement with LenderMatch, the Borrower executes a Success Fee Agreement (“SFA”) that governs the specific terms of the engagement, including the fee percentage, exclusivity period, non-circumvention obligations, and confidentiality requirements. The SFA is the binding agreement for that financing engagement. In the event of any conflict between these Terms and an executed SFA, the SFA controls with respect to the specific engagement.

4.4 Exclusivity

Borrowers who execute an SFA agree to engage LenderMatch on an exclusive basis for the period specified in that agreement. During the exclusivity period, the Borrower shall not submit the same financing request to other lenders through the Platform or directly solicit financing for the same deal from a Lender introduced by LenderMatch outside of the Platform. The specific exclusivity duration is set forth in each SFA.

4.5 Fees

LenderMatch earns a success fee upon the closing and funding of a loan facilitated through the Platform. The fee is a percentage of the funded loan amount. LenderMatch maintains fee agreements with many Lenders. Where a Lender fee agreement exists, the Lender pays the success fee and the Borrower owes no fee to LenderMatch for that transaction. Where no Lender fee agreement exists, the Borrower pays the success fee as defined in the Success Fee Agreement executed for that engagement.

The specific fee percentage, payment terms, and late payment provisions are set forth in the applicable agreement (either the Lender fee agreement or the Borrower SFA). If a Borrower terminates an SFA and subsequently closes a financing transaction with a Lender introduced by LenderMatch, the Borrower may owe an enhanced fee as specified in the SFA’s Effect of Termination provision.

4.6 Non-Circumvention

Borrowers who execute an SFA agree to non-circumvention provisions that prohibit direct contact with Lenders introduced by LenderMatch without LenderMatch’s prior written consent, for the period specified in the SFA. This obligation survives termination of the SFA and these Terms.

5. Lender Terms

5.1 Lender Onboarding

Lenders may be onboarded to the Platform through direct registration, invitation by LenderMatch, or through our proactive identification process using publicly available regulatory data. By participating in the Platform as a Lender, you agree to these Terms and authorize LenderMatch to include your institution in its matching system.

5.2 Deal Review and Response

When a Borrower deal is matched to your institution, you will receive notification through the Platform. You agree to review matched deals promptly and respond within the timeframe specified by the Platform (the “response window”). If you do not respond within the response window, the match may expire and the deal may be re-matched to another Lender.

5.3 Confidentiality of Borrower Information

Lenders agree to treat all Borrower information received through the Platform as Confidential Information. Borrower information may only be used for the purpose of evaluating the specific financing request for which the match was made. Lenders shall limit access to Borrower information to employees, attorneys, and accountants who have a need to know exclusively for purposes of the financing evaluation. Lenders may not share Borrower information with third parties, use it for marketing purposes, or retain it beyond the scope of the matched deal without the Borrower’s explicit consent.

6. Confidentiality

“Confidential Information” means all unpublished or nonpublic information, including written, oral, or electronically presented information such as financial data, trade secrets, databases, loan packages, and matching criteria provided by one party to another through the Platform. Each party shall protect the confidentiality of information received and restrict its use to the purposes described in these Terms and any applicable SFA.

These obligations do not apply to information that: (a) was publicly available at the time of receipt, or was in the possession of the recipient before its receipt; or (b) is disclosed pursuant to a requirement of applicable law or government agency request, provided that the recipient provides prompt written notice prior to such disclosure.

7. Intellectual Property

The Platform, including its matching algorithms, scoring methodology, user interface, design, text, graphics, and software, is the property of LenderMatch LLC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Platform without our prior written consent. “LenderMatch” and the LenderMatch logo are trademarks of LenderMatch LLC.

8. Prohibited Uses

You agree not to:

• Provide false, misleading, or incomplete information.
• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to gain unauthorized access to any part of the Platform, other user accounts, or our systems.
• Circumvent the matching process by contacting Lenders or Borrowers identified through the Platform outside of the Platform to avoid fee obligations.
• Scrape, harvest, or collect information from the Platform using automated means.
• Interfere with or disrupt the Platform or the servers and networks connected to it.

9. Disclaimers

The Platform is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. LenderMatch does not warrant that the Platform will be uninterrupted, error-free, or secure.

LenderMatch does not guarantee that any Borrower will receive financing, that any Lender will approve a loan, or that any match will result in a funded loan. Match scores are estimates of compatibility and are not guarantees of loan approval or specific loan terms.

10. Limitation of Liability

To the maximum extent permitted by law, LenderMatch shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of the Platform, whether based on warranty, contract, tort, or any other legal theory, even if LenderMatch has been advised of the possibility of such damages.

11. Indemnification

Each party shall indemnify and hold harmless the other party, and its respective officers, members, managers, employees, agents, successors, and assigns, from and against any and all losses, liabilities, damages, costs, and expenses (including reasonable attorney’s fees) arising out of or relating to (a) any breach of these Terms or any applicable SFA by the indemnifying party, or (b) the negligence or willful misconduct of the indemnifying party.

12. Remedies for Breach

The parties acknowledge that a breach of confidentiality, exclusivity, or non-circumvention obligations may cause irreparable harm for which monetary damages are inadequate. The non-breaching party shall be entitled to seek injunctive or other equitable relief, in addition to any other remedies available at law or in equity, including recovery of damages and attorney’s fees. All rights and remedies under these Terms are cumulative and may be exercised concurrently or separately.

13. Dispute Resolution

13.1 Informal Negotiation. The parties shall first attempt in good faith to resolve any dispute, claim, or controversy arising out of or relating to these Terms (a “Dispute”) through direct discussion between executive-level representatives. Either party may initiate this process by written notice describing the Dispute and the relief sought.

13.2 Mediation. If the Dispute is not resolved within thirty (30) days after delivery of such notice, either party may submit the matter to non-binding mediation administered by the American Arbitration Association (“AAA”) under its Commercial Mediation Procedures. The mediation shall take place in DuPage, Kane, Kendall, Will, or Grundy County, Illinois, as mutually agreed by the parties or, if no agreement is reached, as selected by LenderMatch.

13.3 Arbitration. If the Dispute is not settled through mediation within thirty (30) days after mediation begins, the matter shall be finally resolved by arbitration administered by the AAA in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by one neutral arbitrator seated in DuPage, Kane, Kendall, Will, or Grundy County, Illinois, as selected by LenderMatch. Judgment upon the award rendered by the arbitrator may be entered in any court of competent jurisdiction located in DuPage, Kane, Kendall, Will, Grundy, Cook, or Winnebago County, Illinois, or in the United States District Court for the Northern District of Illinois.

13.4 Equitable and Interim Relief. Notwithstanding the foregoing, either party may seek temporary injunctive or other equitable relief in any Illinois state or federal court located in DuPage, Kane, Kendall, Will, Grundy, Cook, or Winnebago County to prevent misuse of Confidential Information or to protect its proprietary rights. Seeking such relief shall not be deemed incompatible with or a waiver of the agreement to arbitrate.

13.5 Enforcement and Fees. The prevailing party in any arbitration or court proceeding shall be entitled to recover all reasonable attorney’s fees, costs, and expenses incurred.

13.6 Governing Law. These Terms and any Dispute shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict-of-law principles. The Federal Arbitration Act shall govern the interpretation and enforcement of the arbitration provisions herein.

13.7 Venue. The venue for any state-court proceedings shall be limited to the courts located in DuPage, Kane, Kendall, Will, Grundy, Cook, or Winnebago County, Illinois. The venue for any federal-court proceedings shall be the United States District Court for the Northern District of Illinois. Each party irrevocably consents to the jurisdiction of such courts and waives any objection based on forum non conveniens or lack of personal jurisdiction.

14. Termination

We may suspend or terminate your access to the Platform at any time, with or without cause, with or without notice. You may terminate your account at any time by contacting us. Upon termination, your right to use the Platform ceases immediately. Termination of your Platform account does not terminate any active SFA; those agreements survive according to their own terms. Sections that by their nature should survive termination (including but not limited to Sections 5.3, 6, 7, 9, 10, 11, 12, and 13) shall survive.

15. Electronic Signatures and Notices

Signatures delivered by DocuSign, Adobe Sign, or comparable electronic means constitute originals. All notices may be delivered electronically and shall be deemed received when transmitted and confirmed by the receiving system.

16. General Provisions

Entire Agreement. These Terms, together with the Privacy Policy and any executed SFA, constitute the entire agreement between you and LenderMatch regarding the Platform. In the event of a conflict, an executed SFA controls with respect to the specific engagement it governs.

Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect, provided that unenforceability does not materially impair the ability of the parties to consummate the transactions contemplated hereby.

No Waiver. Failure of either party to enforce any provision of these Terms shall not constitute a waiver of that or any other provision, nor shall any single or partial exercise of any right preclude any other or further exercise of that right.

Assignment. These Terms shall not be assignable by either party and neither party may delegate its duties hereunder without the prior written consent of the other party.

Interpretation. These Terms shall be construed as a whole, according to their fair meaning, and not strictly for or against either party. Whenever the context requires, the singular includes the plural and vice versa, and “including” means “including without limitation.”

Modifications. We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Platform and updating the “Last Updated” date. Your continued use of the Platform after the effective date of any changes constitutes acceptance of the modified Terms.

17. Contact Us

LenderMatch LLC

3426 Wheatland Circle, Geneva, IL 60134

Email: legal@lendermatch.com

Phone: (630) 635-3700