Terms of Service

These Terms of Service ("Terms") govern your access to and use of getprocapital.com, letsgopro.io, and any related services (collectively, the "Site") operated by Pro Capital ("Pro Capital," "we," "us"). By using the Site or submitting an application, you agree to these Terms.

1. Broker, Not a Lender

Pro Capital is an independent business funding broker. We are not a bank or a direct lender. We introduce prospective borrowers to third-party banks, lenders, and funding partners. All credit decisions, funding amounts, rates, fees, and final terms are set solely by the participating lender, not by Pro Capital.

2. No Guarantee of Approval or Terms

Submitting an inquiry or application does not guarantee approval, a specific offer, a specific rate, a specific funding amount, or any particular funding timeline. Actual timelines depend on the lender, documentation, eligibility, and underwriting.

3. Applicant Representations

You represent that (a) you are at least 18 years old, (b) you have authority to submit information on behalf of the business named in the application, (c) the information you provide is true and accurate, and (d) you are authorized to authorize soft credit inquiries and share business records with prospective lenders.

4. Credit Inquiries

Pro Capital is a broker, not a lender. When you submit an application, you authorize Pro Capital and the lending partners in its network to obtain soft credit inquiries and related background information from one or more consumer reporting agencies on your behalf, or on behalf of the participating lender, as reasonably necessary to evaluate your application. These are soft inquiries only and do not affect your credit score. Pro Capital does not perform a hard credit pull at any stage.

5. Communications

By providing your contact information, you consent to receive email, phone, and SMS communications from Pro Capital and its funding partners regarding your inquiry, as described in our Privacy Policy. You may opt out of marketing communications at any time.

6. Acceptable Use

You may not use the Site to submit false or fraudulent information, to impersonate another business or person, to attempt to gain unauthorized access, or in violation of any applicable law.

7. Intellectual Property

The Site, including its content, branding, and code, is owned by Pro Capital or its licensors and is protected by intellectual property laws. You may not copy, modify, or redistribute Site content without written permission.

8. Disclaimer of Warranties

The Site and the services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the maximum extent permitted by law, Pro Capital and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, arising out of your use of the Site or any lender relationship introduced through the Site.

10. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Palm Beach County, Florida.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

12. Contact

Pro Capital
Email: pro@getprocapital.com
Phone: (561) 444-7177