Terms of Service
Business Loan Score
Operator: Strategic Capital Resource Group, LLC, doing business as Business Loan Score (Wilton, Sacramento County, California)
Website: businessloanscore.com
Last updated: October 9, 2026
These Terms of Service ("Terms") govern your use of Business Loan Score at businessloanscore.com and related pages or apps (the "Service"). By checking “I Agree” (or a similar checkbox) and creating an account, purchasing, or continuing to use the Service after being presented with these Terms, you agree to these Terms, including the binding arbitration and class-action waiver in Section 13. If you do not agree, do not use the Service.
Operator. Business Loan Score is operated by Strategic Capital Resource Group, LLC, a California limited liability company doing business as Business Loan Score. Contact: support@businessloanscore.com.
1. What the Service Is
Business Loan Score helps small and mid-sized businesses explore loan readiness using information they enter. Depending on what we offer at the time, the Service may include:
- Guided Check — a guided assessment, which may be free or offered for a one-time fee as shown at purchase.
- Bank Conversation Kit — a paid package at $24.99 for the first year, then $49.99 per year with additional banker-oriented materials and tools.
We are not a lender. We do not originate loans, make credit decisions, guarantee approval, pull hard credit inquiries on your behalf, or act as a bank, broker, or consumer reporting agency.
2. Informational Only — Not Advice
Scores, checklists, summaries, and one-pagers from the Service are informational and educational only.
They are not financial advice, legal advice, tax advice, or credit advice.
They are not a credit decision, loan offer, pre-approval, underwriting result, or commitment of any kind.
We do not guarantee loan approval, funding, pricing, timing, or any other outcome with any lender or third party.
Lenders use their own criteria. Your results with any lender may differ from what the Service shows. You are solely responsible for decisions about financing, including what you share with lenders or advisors.
3. Eligibility and Accounts
You must be at least 18 years old and able to form a binding contract. The Service is not directed to anyone under 18. If you create an account, you agree to provide accurate information, keep your login credentials confidential, and tell us promptly about unauthorized use.
The Service may be private, invitation-only, or limited-access until we state otherwise.
Agreement presentation. We present these Terms (and our Privacy Policy) at signup and at purchase via an affirmative checkbox such as “I Agree to the Terms of Service and Privacy Policy.” Continued access after we notify you of material updates may also require renewed acceptance where we so indicate.
4. Your Information — Accuracy Is Your Responsibility
You are responsible for the accuracy and completeness of all business and financial information you enter or upload. Outputs and alerts depend on what you provide. We do not independently verify your inputs.
Do not enter information you are not authorized to use. Do not submit unlawful, misleading, or confidential third-party information without permission.
5. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose
- Disrupt, reverse engineer, scrape, or overload the Service
- Circumvent security or access controls
- Misrepresent Service outputs as a credit decision, loan approval, or official underwriting result
- Harass, defraud, or harm others through the Service
- Resell or redistribute the Service except as we expressly allow
We may suspend or terminate access for violations of these Terms or for conduct that harms the Service or other users.
6. Fees, Subscriptions, Billing, Cancellation, and Refunds
6.1 Products and prices
Prices and features are shown at purchase and may change for future purchases. Current offerings may include:
- Guided Check — free
- Bank Conversation Kit — $24.99 for the first year, then $49.99 per year, billed annually. Your plan renews automatically each year at the then-current renewal price ($49.99 per year today) until you cancel.
Taxes may apply where required.
6.2 Billing
Paid features are billed through our payment processor, Stripe. By purchasing, you authorize recurring charges for subscriptions until you cancel. You are responsible for keeping a valid payment method on file.
6.3 Cancellation
You may cancel a subscription at any time through your account settings or by emailing support@businessloanscore.com. Cancellation stops future renewal charges. Access to paid features generally continues through the end of the then-current paid period unless we say otherwise at purchase.
6.4 Refunds
Except where required by law, fees are non-refundable once charged, including for partial periods, unused features, or dissatisfaction with informational results. If a charge was made in clear error, contact us promptly and we will review it in good faith.
7. Intellectual Property
The Service—including software, design, text, graphics, logos, and educational content—is owned by Strategic Capital Resource Group, LLC d/b/a Business Loan Score or its licensors. You receive a limited, non-exclusive, non-transferable right to use the Service for your own internal business purposes under these Terms.
You retain ownership of the inputs you provide. You grant us a limited license to process those inputs as needed to operate and improve the Service, consistent with our Privacy Policy.
8. Privacy and Data Handling (Basics)
We collect and use information as described in our Privacy Policy (linked from the Service). In short: we use your account details, payment-related data (handled by our processor), and the business information you submit to provide scores, Kit materials, and support. We do not sell your personal information. We use service providers who help us run the Service (hosting and payments). See the Privacy Policy for details, retention, cookies, and your choices.
9. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT IN-APP REMINDERS WILL ALWAYS APPEAR, OR THAT RESULTS WILL MEET YOUR EXPECTATIONS OR LEAD TO LOAN APPROVAL.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STRATEGIC CAPITAL RESOURCE GROUP, LLC D/B/A BUSINESS LOAN SCORE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOST OPPORTUNITY, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE—EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM, OR (B) FIFTY U.S. DOLLARS (US $50).
Carve-outs. Nothing in this Section limits liability for our gross negligence or willful misconduct, for death or personal injury caused by our negligence where such limitation is prohibited, or for any liability that cannot be limited under applicable law. Some places do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.
11. Indemnity
You agree to defend and hold harmless Strategic Capital Resource Group, LLC d/b/a Business Loan Score from claims, losses, damages, and reasonable legal fees arising out of your use of the Service, your inputs, your violation of these Terms, or your violation of others' rights—except to the extent caused by our gross negligence or willful misconduct.
12. Changes
We may modify, suspend, or discontinue the Service (or any part of it) at any time. We may update these Terms by posting a revised version and updating the "Last updated" date. For material changes, we will seek renewed affirmative acceptance where required (for example, a new “I Agree” checkbox) or otherwise provide notice as required by law. If you do not agree, stop using the Service.
13. Dispute Resolution — Binding Arbitration and Class-Action Waiver
13.1 Informal resolution first
Before filing a claim, you agree to contact us at support@businessloanscore.com and try to resolve the dispute informally for 30 days.
13.2 Binding individual arbitration (AAA)
Except as stated in Section 13.4, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (or Commercial Rules if those apply). The Federal Arbitration Act governs the interpretation and enforcement of this Section. The arbitration will be held in California or by video/telephone if AAA rules allow. The arbitrator may award individual relief only.
13.3 Class-action and jury waiver
You and we each waive any right to a jury trial and to participate in a class, collective, consolidated, or representative action. Claims may be brought only in your or our individual capacity. The arbitrator may not consolidate claims or preside over any form of class proceeding.
13.4 Carve-outs (court / injunction)
Either party may bring an individual action in small-claims court if it qualifies. Either party may seek temporary, preliminary, or permanent injunctive relief in a court of competent jurisdiction to protect intellectual property or confidentiality rights, without waiving arbitration for other claims. If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) may proceed in court and is not subject to arbitration.
13.5 Opt-out
You may opt out of arbitration within 30 days of first agreeing to these Terms by emailing support@businessloanscore.com with your name, the email on your account, and a clear statement that you opt out of arbitration. Opting out does not affect other Terms.
14. Governing Law and Venue (California)
These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules, and by the Federal Arbitration Act as to Section 13. Subject to Section 13, courts in California will have exclusive jurisdiction over disputes that are not arbitrated (including the carve-outs in Section 13.4), subject to any mandatory consumer protections that apply.
15. Accessibility
We aim to make the Service reasonably accessible and to align with WCAG 2.1 Level AA where feasible. If you encounter an accessibility barrier, contact support@businessloanscore.com and we will work in good faith to provide assistance or an alternative means of access.
16. Contact
Email: support@businessloanscore.com
Business: Strategic Capital Resource Group, LLC dba Business Loan Score, Wilton, Sacramento County, California
Website: businessloanscore.com