These Terms of Use ("Terms") govern your access to and use of the website located at bbizcap.com, the application at blackburnbusinesscapital.com/apply, and any related websites, applications, services, or features owned or operated by Olgas Friends LLC, doing business as Blackburn Business Capital ("BBC," "we," "us," or "our") (collectively, the "Services").
By accessing or using the Services, you ("you," "your," or "User") agree to be bound by these Terms, our Privacy Policy, our Do Not Call Policy, our SMS Terms, and any other policies referenced herein, all of which are incorporated by reference. If you do not agree, you may not access or use the Services.
BBC reserves the right to modify these Terms at any time. Material changes will be communicated by posting the updated Terms with a new "Last Updated" date. Your continued use of the Services after such posting constitutes your acceptance of the updated Terms.
BBC is a commercial finance broker and marketplace headquartered in Fort Lauderdale, Florida. We connect business owners with our network of vetted lender partners to facilitate financing transactions across multiple product categories, including but not limited to:
BBC operates in 40 states plus the District of Columbia. We do not directly originate, fund, or service financing transactions. All financing is provided by independent third-party lender partners.
To use the Services, you must:
The Services are intended for users located in the United States. Some financing products may not be available in all states. Specifically, BBC does not provide direct services to residents of Arizona, California, Minnesota, and Nevada (residents of these states should contact us for alternative options through affiliated lending partners).
Subject to your compliance with these Terms, BBC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for the purpose of:
You agree that you will NOT:
Violations of these prohibitions may result in termination of your access to the Services, legal action, and referral to law enforcement.
To access certain features of the Services, you may be required to create an account or provide personal information. You agree to:
BBC is not liable for losses or damages resulting from unauthorized use of your account. We reserve the right to suspend or terminate accounts that we believe violate these Terms or applicable law.
When you submit an application for financing through the Services, you represent and warrant that:
Providing false, misleading, or materially incomplete information may constitute fraud and may result in denial of financing, withdrawal of any approval, civil liability, criminal liability, and/or referral to law enforcement.
Submission of an application does not guarantee approval of financing. Any pre-qualification or pre-approval is conditional and subject to verification of all information provided, full underwriting review, and final approval by a lender partner. BBC makes no representation or warranty regarding the availability, terms, or amount of any financing.
Eligibility for any particular financing product is determined by lender partners in their sole and absolute discretion based on their underwriting criteria, which may include creditworthiness, business performance, collateral, industry, time in business, and other factors.
BBC operates as a commercial finance broker and marketplace, not as a lender. Specifically:
You understand and acknowledge that any financing offered through BBC's Services is offered by independent third-party lender partners, and that you should carefully review all financing documents before signing.
By using the Services, you consent to receive communications from BBC and Authorized Callers (as defined in our application authorization) electronically. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.
For specific consents related to telephone calls, SMS/MMS messages, prerecorded messages, AI-generated communications, autodialed calls, marketing emails, and similar communications, please see our application authorization, SMS Terms, and Do Not Call Policy.
You consent to the recording and monitoring of telephone calls and other communications between you and BBC for quality assurance, training, compliance, risk management, and similar lawful purposes.
All content, features, and functionality on the Services—including text, graphics, logos, icons, images, audio, video, software, code, designs, trademarks, service marks, and trade names—are the exclusive property of BBC, its affiliates, or its licensors, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
"Blackburn Business Capital," "BBC," "The Right Partner," and related logos and marks are trademarks of BBC. You may not use these marks without our prior written permission.
You are granted a limited license to view and download content from the Services for your personal, non-commercial use, provided that you do not modify or remove any copyright, trademark, or other notices. All other rights are reserved.
BBC respects the intellectual property rights of others and expects users to do the same. In accordance with the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512, we will respond to claims of copyright infringement.
If you believe content on the Services infringes your copyright, send a written notice to our designated agent containing:
Send DMCA notices to:
Designated DMCA Agent
Blackburn Business Capital
Attn: Legal Department
1520 E Sunrise Blvd
Fort Lauderdale, FL 33304
Email: legal@bbizcap.com
If your content has been removed in response to a DMCA notice and you believe it was removed in error, you may submit a counter-notice to the designated agent containing the elements required by 17 U.S.C. § 512(g).
The Services may contain links to third-party websites, applications, or services. These links are provided for your convenience. BBC does not control and is not responsible for the content, privacy policies, or practices of third-party sites. Your interactions with third-party sites are governed by their own terms and policies.
If you submit comments, suggestions, ideas, testimonials, or other communications to BBC ("Submissions"), you grant BBC a perpetual, worldwide, royalty-free, irrevocable, sublicensable license to use, modify, publish, display, and create derivative works from the Submissions, without compensation or attribution. You waive any moral rights or similar rights in the Submissions.
The Services are provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by law, BBC and its officers, directors, employees, agents, affiliates, parent company Olgas Friends LLC, and lender partners (collectively, "BBC Parties") disclaim all warranties and conditions, including without limitation the implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, availability, and any warranties arising from course of dealing or usage of trade.
BBC Parties do not warrant that the Services will be uninterrupted, error-free, secure, virus-free, or that defects will be corrected. BBC Parties make no representations regarding the accuracy, completeness, or reliability of any information provided through the Services.
Your use of the Services is at your sole risk. You assume full responsibility and risk of loss resulting from your use of the Services.
To the fullest extent permitted by law, in no event shall BBC Parties be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages (including without limitation damages for loss of profits, loss of data, loss of goodwill, business interruption, or personal injury), arising out of or relating to these Terms, the Services, or any financing transaction, under any theory of liability (whether contract, negligence, strict liability, or otherwise), even if BBC has been advised of the possibility of such damages.
BBC's total aggregate liability arising out of or relating to these Terms or the Services shall not exceed one hundred dollars ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, BBC's liability shall be limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless BBC Parties from and against any and all claims, demands, actions, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
BBC reserves the right to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with BBC's defense.
By using the Services, you consent to the use of electronic signatures and records in connection with any application, agreement, or transaction. Electronic signatures have the same legal effect as handwritten signatures under the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act"), 15 U.S.C. § 7001 et seq., and applicable state Uniform Electronic Transactions Act ("UETA") provisions.
You acknowledge that you have the hardware and software necessary to access, view, download, and retain electronic records, including:
You may withdraw consent to receive disclosures electronically by emailing legal@bbizcap.com, with the understanding that withdrawal may delay processing of your application or limit the Services available to you.
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods is expressly disclaimed.
You and BBC agree that any dispute arising out of or relating to these Terms or the Services shall be resolved as follows:
Except for disputes that qualify for small claims court and except as otherwise provided herein, you and BBC agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or any financing transaction (each, a "Dispute") shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules.
You and BBC agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
The arbitration shall be conducted in Broward County, Florida, or another location mutually agreed upon by the parties. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. Each party shall bear its own costs and attorneys' fees, except as otherwise required by law or determined by the arbitrator.
Notwithstanding the foregoing, either party may bring an action in court to (a) seek injunctive or equitable relief, (b) protect intellectual property rights, or (c) pursue claims that fall within the jurisdictional limits of small claims court.
You have the right to opt out of this arbitration agreement by sending written notice to legal@bbizcap.com or by mail to Blackburn Business Capital, Attn: Legal Department, 1520 E Sunrise Blvd, Fort Lauderdale, FL 33304, within thirty (30) days after first agreeing to these Terms. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration.
BBC may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if BBC believes you have violated these Terms or applicable law. Upon termination, your right to use the Services immediately ceases, but provisions that by their nature should survive termination (including ownership, warranty disclaimers, indemnification, limitations of liability, and dispute resolution provisions) will survive.
Under California Civil Code Section 1789.3, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.
All data provided by users is transmitted securely using industry-standard practices, including 256-bit encryption. BBC uses third-party providers that maintain SOC 2 Type II compliance or equivalent. You agree to release any third-party provider used by BBC from any liability, claims, and demands resulting from any lost and/or stolen data provided or otherwise transmitted to BBC's servers, to the maximum extent permitted by law.
BBC's services are not directly available to residents of Arizona, California, Minnesota, and Nevada. Residents of these states should contact BBC for information about alternative options through affiliated partners.
These Terms, together with our Privacy Policy, SMS Terms, Do Not Call Policy, application authorization, and any other policies or agreements referenced herein, constitute the entire agreement between you and BBC regarding the Services and supersede all prior or contemporaneous agreements, communications, and understandings.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.
BBC's failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by BBC.
You may not assign these Terms or any rights hereunder without BBC's prior written consent. BBC may freely assign these Terms and any rights hereunder without notice to you.
BBC shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network failures, or strikes.
Section headings are for convenience only and have no legal effect.
Legal notices to BBC must be in writing and sent by first class mail (return receipt requested) or national overnight courier to: Blackburn Business Capital, Attn: Legal Department, 1520 E Sunrise Blvd, Fort Lauderdale, FL 33304, with a copy by email to legal@bbizcap.com. Notices by email alone are not effective for legal purposes.
Notices to you may be provided by email, posting on the Services, or other reasonable means.
Provisions that by their nature should survive termination of these Terms shall survive, including without limitation provisions relating to intellectual property, warranty disclaimers, limitation of liability, indemnification, dispute resolution, and these general provisions.
If you have questions, concerns, or feedback regarding these Terms or the Services, contact us: