Terms and Conditions Last Updated: April 3, 2026

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY USING THIS WEBSITE OR SUBMITTING AN APPLICATION, YOU AGREE TO BE BOUND BY THESE TERMS.

This website is operated by Express Funding Grp LLC (“Express Funding”, “we,” “our,” or “us”). These Terms & Conditions govern your access to and use of our website at expressfundinggrp.com (the “Site”) and our business funding services (collectively, the “Services”). By accessing the Site or submitting any application or inquiry, you agree to these Terms & Conditions and our Privacy Policy, which is incorporated herein by reference.

We may update these Terms & Conditions at any time by posting a revised version on the Site. Your continued use of the Site after any changes constitutes your acceptance of the updated terms.

1. Use of the Site

The Site is intended for use by business owners and authorized representatives of legal entities located in the United States who are seeking information about or applying for business funding. You must be at least 18 years of age to use the Site.

By using the Site, you represent and warrant that: (a) you are at least 18 years old and have the legal authority to enter into binding agreements; (b) all information you provide is true, accurate, and complete; (c) you will update your information as necessary to keep it accurate; and (d) your use of the Site complies with all applicable laws and regulations.

2. Services Description

Express Funding connects small and medium-sized business owners with third-party lenders, funding providers, and financial institutions that may offer business loans, lines of credit, equipment financing, and other funding products. Express Funding is not a lender and does not make credit decisions. Approval, terms, and rates are determined solely by the third-party lenders and providers in our network.

By submitting an application, you authorize Express Funding to share your information with lenders and providers in our network for the purpose of evaluating your funding request. You understand that multiple lenders may review your application and that this may result in inquiries to credit bureaus.

Express Funding does not guarantee that you will receive any funding offer, or that any offer will meet your specific needs. All loan terms, rates, and conditions are set by the individual lenders and are subject to their approval processes.

3. No Financial or Legal Advice

The information on this Site is provided for general informational purposes only and does not constitute financial, legal, tax, or professional advice. You should consult with qualified professionals before making any financial decisions. Express Funding is not responsible for any decisions you make based on information provided on this Site.

4. SMS and Text Message Terms

By providing your mobile phone number on this Site and checking the opt-in box, you consent to receive recurring SMS and MMS text messages from Express Funding at the number provided. These messages may include:

• Application status updates and funding notifications
• Account information and alerts
• Appointment reminders and follow-up communications
• Promotional offers and marketing messages

Message frequency varies. Message and data rates may apply depending on your mobile carrier plan.

To get help, reply HELP to any message or contact us at info@expressfundinggrp.com or 855-791-7391.

To stop receiving messages, reply STOP, QUIT, END, CANCEL, or UNSUBSCRIBE to any text message from us at any time. You will receive one confirmation message and then no further messages will be sent.

Consent to receive text messages is not a condition of receiving any funding or services from Express Funding.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

Supported carriers include: AT&T, T-Mobile, Verizon, Sprint, Metro PCS, U.S. Cellular, and others. Carriers are not liable for delayed or undelivered messages.

5. Application and Information Submission

By submitting a funding application or inquiry through the Site, you:

• Certify that all information provided is true, accurate, and complete
• Authorize Express Funding to verify the information provided, including through credit bureaus and third-party data sources
• Authorize Express Funding to share your information with lenders and funding providers in our network
• Acknowledge that submitting an application does not guarantee approval or funding
• Agree that you are responsible for reviewing and understanding any funding agreement before signing

To comply with applicable law, Express Funding and its lending partners may ask for your name, Social Security Number or EIN, address, date of birth, and other identifying information.

6. Prohibited Uses

You agree not to use the Site or Services to:

• Provide false, misleading, or fraudulent information
• Impersonate any person or entity
• Violate any applicable law or regulation
• Transmit viruses, malware, or other harmful code
• Interfere with the operation of the Site or other users’ access
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use automated tools to scrape or collect data from the Site

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Express Funding or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from any Site content without our prior written permission.

8. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. Express Funding does not control or endorse those websites and is not responsible for their content, privacy practices, or availability. Your use of third-party websites is at your own risk and subject to their own terms.

9. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. EXPRESS FUNDING DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EXPRESS FUNDING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100).

11. Indemnification

You agree to indemnify, defend, and hold harmless Express Funding and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with: (a) your use of the Site or Services; (b) your violation of these Terms & Conditions; (c) your violation of any applicable law or regulation; or (d) any information you submit through the Site.

12. Governing Law

These Terms & Conditions are governed by the laws of the state in which Express Funding Grp LLC is registered, without regard to its conflict of law provisions. Any disputes not resolved informally shall be submitted to binding arbitration on an individual basis. You waive any right to participate in class action lawsuits or class-wide arbitration.

13. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective upon posting to the Site. We encourage you to review this page periodically. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

14. Contact Information

If you have questions about these Terms & Conditions, please contact us:

Express Funding | Express Funding Grp LLC Phone: 855-791-7391 Email: info@expressfundinggrp.com Website: expressfundinggrp.com