These Terms & Conditions (“Terms”) constitute a binding agreement between you and Baylor Advance Desk LLC (“Baylor Advance,” “we,” or “us”) governing your access to bayloradvance.com and all intake, lookup, and provider-routing workflows offered on this site. By accessing the site or submitting an intake, you accept these Terms in full.
1. Scope of the Baylor Advance Desk
Baylor Advance administers a structured intake and routing platform. We are not a chartered bank, credit union, or direct consumer lender, and we do not issue consumer credit decisions or establish APRs on third-party loan products. Depending on your operating profile, we route self-employed and business files to commercial working-capital underwriters and connect salaried W-2 applicants with independent finance providers. Submitting an intake costs $0, guarantees no match or approval, and creates zero obligation to sign any contract.
2. Applicant Eligibility & Truthful Submissions
To use Baylor Advance, you must be a legal resident of the United States, at least eighteen (18) years old, and possess legal capacity to contract. You warrant that every identity, revenue/income, and depository routing field you enter pertains solely to you (or an entity you are authorized to bind) and is accurate and current. Submitting another person’s identity or fabricated depository data is strictly prohibited.
3. Credit Inquiries & Independent Provider Contracts
Submitting an intake through Baylor Advance does not trigger a hard consumer credit inquiry by us. However, by authorizing provider routing, you permit matched network providers to verify your identity, deposit telemetry, and consumer or commercial credit reports under the Fair Credit Reporting Act—which may include a soft or, prior to final contract execution, a disclosed hard credit pull. If you accept an offer from a named provider, your funding relationship is governed exclusively by your separate agreement with that provider.
4. Prohibited Platform Conduct
You agree not to scrape, probe, reverse-engineer, overload, or automate submissions against bayloradvance.com or its `/api/v1/*` endpoints, bypass security controls, or use the desk for unlawful or fraudulent activity.
5. Disclaimer of Warranties & Limitation of Liability
THE BAYLOR ADVANCE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR CONTINUOUS AVAILABILITY. TO THE FULLEST EXTENT PERMITTED BY DELAWARE AND FEDERAL LAW, BAYLOR ADVANCE DESK LLC SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY UNDERWRITING DECISION, TERM SHEET, OR DISBURSEMENT DELAY OF AN INDEPENDENT NETWORK PROVIDER. OUR AGGREGATE LIABILITY ARISING OUT OF YOUR USE OF THIS SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
6. Binding Individual Arbitration & Class-Action Waiver
PLEASE READ CAREFULLY: Any claim, controversy, or dispute between you and Baylor Advance Desk LLC arising from or relating to these Terms, your intake submission, or bayloradvance.com shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer or Commercial Arbitration Rules, rather than in court, except that either party may bring an eligible individual claim in small-claims court. YOU AND BAYLOR ADVANCE WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You may opt out of this arbitration clause within thirty (30) days of your first submission by mailing a signed written opt-out notice with your name, address, and email to 800 N King St, Suite 304, Wilmington, DE 19801.
7. Governing Law & Revisions
These Terms are governed by the laws of the State of Delaware and the Federal Arbitration Act, without regard to conflict-of-law rules. We may update these Terms periodically by posting a revised effective date on this page.
8. Desk Contact Coordinates
Baylor Advance Desk LLC
800 N King St, Suite 304, Wilmington, DE 19801
Phone: (888) 614-2930 · Email: [email protected]