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LIL FISH LLC Direct Business Lender
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Terms of Service

Please read these terms carefully before using our services or website.

Effective Date: January 1, 2025

These Terms of Service ("Terms") govern your use of the website lilfishfund.com (the "Site") and any services provided by LIL FISH LLC ("Company," "we," "us," or "our"), a direct business lender located at 48 Steers St, Staten Island, NY 10314.

By accessing or using our Site and services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Site or services.

1. Services

LIL FISH LLC provides business funding solutions including, but not limited to, working capital loans, revenue-based financing, equipment financing, and general business funding. Our services are designed for businesses and are not intended for personal, family, or household use.

All funding products and services are subject to approval, underwriting criteria, and applicable terms and conditions specific to each funding product. Submission of an application does not guarantee approval.

2. Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Be a legal business entity or sole proprietor operating in the United States
  • Have the legal authority to enter into binding agreements on behalf of your business
  • Provide accurate and truthful information in all applications and communications

3. Use of the Site

You agree to use our Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Site in any way that violates any applicable law or regulation
  • Submit false, misleading, or fraudulent information
  • Attempt to interfere with or disrupt the Site's functionality
  • Use automated systems to scrape, copy, or access the Site without our written permission
  • Transmit any viruses, malware, or harmful code

4. Applications and Information

When you submit an application or inquiry through our Site, you represent and warrant that all information provided is true, accurate, and complete. You authorize us to verify any information you provide and to obtain credit reports and other information necessary to evaluate your application.

We reserve the right to decline any application for any reason, subject to applicable law.

5. SMS/Text Message Communications

By opting in to SMS communications, you consent to receive text messages from LIL FISH LLC at the mobile number you provide. This consent applies to messages sent using an automatic telephone dialing system (ATDS) or prerecorded messages.

If you provide your mobile phone number and opt in to receive SMS/text messages, you agree to the following terms:

  • Message frequency may vary. We may send you recurring SMS messages related to your inquiry, application status, funding updates, and account-related information.
  • Message and data rates may apply. You are responsible for any messaging or data charges imposed by your wireless carrier.
  • Reply STOP to unsubscribe. You may opt out of SMS communications at any time by replying STOP to any message received from us. Upon receipt of your STOP request, we will send a final confirmation message and no further SMS messages will be sent unless you re-subscribe.
  • Reply HELP for help. For assistance with SMS communications, reply HELP to any message or contact us at sam@lilfishfund.com.
  • Consent is NOT a condition of purchase. You are not required to opt in to SMS messages as a condition of purchasing any goods or services, or receiving any funding from LIL FISH LLC.

We may use an automatic telephone dialing system (ATDS) to send SMS messages to your mobile device. By providing your number and opting in, you consent to receiving messages sent via ATDS or prerecorded voice technology. We use ATDS technology to deliver timely updates about your application and account status.

Your mobile number and opt-in consent will not be shared with or sold to third parties for their marketing purposes. We may share your information with service providers who assist in delivering SMS messages on our behalf, but only for the purpose of fulfilling the communications you have consented to receive.

6. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of LIL FISH LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.

7. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no guarantees regarding the accuracy, completeness, or reliability of any content on the Site.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LIL FISH LLC 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, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.

9. Indemnification

You agree to indemnify, defend, and hold harmless LIL FISH LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any applicable law or rights of a third party.

10. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites. Your use of third-party websites is at your own risk.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Richmond County, New York.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Site and updating the effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and LIL FISH LLC regarding your use of the Site. These Terms supersede any prior agreements or understandings, whether written or oral.

15. Contact Us

If you have any questions or concerns about these Terms of Service, please contact us:

LIL FISH LLC
48 Steers St
Staten Island, NY 10314
Email: sam@lilfishfund.com
Website: lilfishfund.com

LIL FISH LLC

Navigating financial waters with integrity and transparency. Proudly serving Staten Island businesses and entrepreneurs nationwide.

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✉ sam@lilfishfund.com
⚑ 48 Steers St
Staten Island, NY 10314

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