Lending Partner Disclaimer
Oak Beach Lending ("Company," "we," "us," or "our") operates as a funding consulting and referral service. We are not a direct lender, not a bank, and we do not make credit decisions. All information provided on this Website or through our communications is for general informational purposes only.
Not a Lender
We connect, not lend
Partner Network
Vetted partners
No Guarantee
Approval not certain
Transparent
Clear disclosure
By using this Website or speaking with a funding specialist, you acknowledge and agree to the following:
1. No Direct Lending
Oak Beach Lending does not:
- Issue loans
- Provide credit lines
- Guarantee funding approvals
- Determine rates, terms, or conditions
All lending decisions are made solely by our independent third-party lending partners.
2. Relationship With Lending Partners
We work with a network of vetted, independent funding partners to help connect clients with potential financing options. These partners may offer a variety of programs based on their own:
- Approval criteria
- Underwriting guidelines
- Risk assessments
- Documentation requirements
Oak Beach Lending does not control or influence these decisions.
3. No Guarantee of Approval
Submitting an inquiry, speaking with a specialist, or providing documentation does not guarantee:
- Approval
- Specific loan terms
- Funding amounts
- Rates or fees
All outcomes depend on the lending partner's internal review, your creditworthiness, business information, financial condition, and compliance with their requirements.
4. Accuracy of Information
Any information, estimates, or feedback provided by Oak Beach Lending — including potential program matches — are preliminary and intended only to help guide you toward possible options. Final lending decisions are made exclusively by the third-party lender after completing their underwriting process. You are responsible for ensuring all information you provide is accurate, complete, and truthful.
5. Lending Terms & Agreements
Any funding offer, agreement, disclosure, or contract you receive from a third-party lender is strictly between you and the lender.
Oak Beach Lending:
- Is not a party to any funding agreement
- Does not negotiate final terms
- Is not responsible for any lender's decisions or actions
- Does not charge application or lending fees unless explicitly disclosed
Always review agreements carefully and consult qualified legal or financial professionals before signing.
6. Fees, Rates, and Conditions
Rates, terms, fees, and repayment schedules vary by lender and may change at the lender's discretion. Oak Beach Lending does not guarantee:
- The lowest rates
- Specific funding structures
- Program availability
- Funding speed
All funding is provided solely by independent lending partners.
7. No Professional Advice
Information provided by Oak Beach Lending should not be interpreted as:
- Financial advice
- Legal advice
- Tax advice
- Investment guidance
You should consult with your attorney, accountant, or financial advisor before entering any lending agreement.
8. Limitation of Liability
Oak Beach Lending is not responsible for:
- Decisions made by lending partners
- Changes in program requirements
- Denials, approvals, or funding outcomes
- Any losses, costs, or damages resulting from agreements you enter with third-party lenders
Your use of third-party lending services is solely at your own risk.
9. Updates to This Disclaimer
We may update or amend this Lending Partner Disclaimer at any time to reflect operational, regulatory, or industry changes. All updates will be posted on this page with a revised "Last Updated" date.
10. Contact Us
For questions or concerns regarding this Lending Partner Disclaimer, contact:
Oak Beach Lending
123 Business Avenue, Miami, FL 33101, United States
General Inquiries: info@oakbeachlending.com
Customer Support: info@oakbeachlending.com
Phone: +1-561-634-5162 / +1-561-634-5162