Terms & Conditions

These Terms constitute a legally binding agreement between you and Pinewood Capital LLC. We reserve the right to update these Terms at any time. The “Last Updated” date above reflects the most recent revision. Continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.

Our services are available only to business owners and authorized representatives of legal business entities operating in the United States. You must be at least 18 years of age and have authority to bind your business to these Terms. By submitting an application, you represent and warrant that all information provided is accurate, complete, and not misleading.

Pinewood Capital is a direct commercial lender providing business financing products, including but not limited to merchant cash advances (MCAs), short-term business loans, and business lines of credit. Nothing on this website constitutes an offer to lend. All funding is subject to underwriting approval, and terms may vary based on your business profile, industry, and other factors. Approval and funding are not guaranteed.

You agree not to:

• Use our website or services for any unlawful purpose;
• Provide false, inaccurate, or misleading information in any application or communication;
• Attempt to gain unauthorized access to any portion of our website or systems;
• Transmit any unsolicited commercial communications, spam, or malware;
• Reproduce, distribute, or commercially exploit any content from our website without prior written consent;
• Interfere with or disrupt the integrity or performance of our website or services.

All content on this website — including text, graphics, logos, icons, images, and software — is the property of Pinewood Capital LLC or its licensors and is protected by U.S. and international intellectual property laws. You may not copy, reproduce, modify, or distribute any content without our express written permission.

Our website may contain links to third-party websites. These links are provided for convenience only. Pinewood Capital does not endorse, control, or assume any responsibility for the content, privacy practices, or terms of any third-party website. Access to third-party websites is at your own risk.

Our website and services are provided on an “as is” and “as available” basis without any warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by applicable law, Pinewood Capital LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, data loss, or business interruption — arising from your use of our website or services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount you paid us, if any, in the six months preceding the claim.

You agree to indemnify, defend, and hold harmless Pinewood Capital LLCand its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of our services; (b) your violation of these Terms; or (c) any false or inaccurate information you have provided.

These Terms are governed by the laws of the State of [State], without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or our services that cannot be resolved informally shall be resolved by binding arbitration conducted by JAMS or the American Arbitration Association under their applicable rules. The arbitration will take place in [City, State]. Each party waives the right to a jury trial and to participate in a class action lawsuit.

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

If any provision of these Terms is found to be unlawful, void, or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms, together with our Privacy Policy and any funding agreements you may enter into with us, constitute the entire agreement between you and Pinewood Capital regarding your use of our services and supersede all prior agreements or understandings.

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