1. Our Business Role
Alta Business Loans is a doing-business-as name of ShelfRank Services LLC and operates as a commercial finance brokerage, not a direct lender. We help business owners explore financing programs that may be available through independent funding providers.
Alta Business Loans does not make final credit decisions, establish underwriting standards, or directly provide loan proceeds unless expressly disclosed in writing.
2. Independent Funding Providers
Funding providers independently determine eligibility, approval, rates, fees, repayment terms, documentation requirements, collateral requirements, and funding availability under their own underwriting standards.
Available programs may vary by business profile, industry, location, revenue, time in business, credit history, intended use of funds, and other underwriting considerations.
3. Application and Pre-Qualification Review
Submitting an application or inquiry authorizes Alta Business Loans to review the information provided and identify financing programs that may align with the business profile and stated goals.
An application is an initial request for review. It is not a commitment to lend, an approval, or an offer of specific financing terms.
4. Credit Inquiries
The initial Alta Business Loans pre-qualification process is intended to use a soft credit inquiry when a credit inquiry is required at that stage. A funding provider may later request authorization for a hard credit inquiry or additional verification before making a final credit decision.
5. Rates, Fees, and Financing Terms
Rates, fees, repayment frequency, repayment period, total repayment amount, and other terms depend on the financing product and the funding provider’s review. Final terms should be reviewed carefully before accepting any financing agreement.
Examples, calculators, educational content, estimated timelines, or general descriptions on this website are for informational purposes and do not represent guaranteed terms.
6. Compensation and Provider Relationships
Alta Business Loans may receive compensation from a funding provider or service provider when a transaction is completed. Compensation may vary by provider, product, transaction structure, and other factors.
Our objective is to present financing programs that may align with the information provided. Compensation does not change a funding provider’s independent underwriting decision or the applicant’s responsibility to evaluate the final terms.
7. Information Sharing and Communications
Information submitted through our website, application, contact form, email, or other authorized communication may be shared with independent funding providers and service providers when reasonably necessary to evaluate or administer a request, operate our website, prevent fraud, maintain records, or comply with law.
For more information about how data is collected, used, retained, and protected, review our Privacy Policy.
8. No Guarantee of Approval or Funding
Submitting information does not guarantee approval, funding, a specific rate, a specific term, a particular product, or a particular funding amount. Past results do not guarantee future outcomes.
Business owners should independently review all financing documents and consider consulting qualified legal, tax, or financial professionals when appropriate.
9. Contact Us
Contact Alta Business Loans with questions about these disclosures or an existing financing inquiry.
Atlanta, GA 30350