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Terms & Conditions

KARMATA CAPITAL – TERMS & CONDITIONS
Last Updated: 09/02/2023
Welcome to Karmata Capital. By accessing, browsing, or using this website, or by submitting an application for business funding through our platform, you agree to be bound by the following Terms & Conditions. Please read them carefully.
 
1. General Information
Karmata Capital (“Company,” “we,” “our,” “us”) provides business financing solutions, including merchant cash advances, revenue-based funding, and other alternative lending products.
We are not a bank or credit union. We work with a network of independent lenders, funders, and financial service partners.
These Terms govern your use of:

  • Our website
     

  • Our online applications and forms
     

  • Any funding consultation or communication
     

  • Any quote, estimate, or approval communicated through Karmata Capital
     

If you do not agree to these Terms, do not use our services.
 
2. Eligibility
To apply for business funding through Karmata Capital, you must:

  • Be at least 18 years old
     

  • Own or operate a legally registered U.S. business
     

  • Have the authority to enter into funding agreements on behalf of your business
     

We reserve the right to decline any application at our discretion.
 
3. No Guarantee of Funding
Submitting an application does not guarantee approval.
All offers, approvals, funding amounts, and rates are subject to:

  • Business revenue
     

  • Bank activity
     

  • Creditworthiness
     

  • Submitted documentation
     

  • Underwriting guidelines of our funding partners
     

Any estimates provided on the website (including calculators) are for illustration only.
 
4. Application and Consent to Communication
By applying through Karmata Capital, you authorize us and our affiliates to:

  • Contact you via phone, SMS, email, and automated systems
     

  • Request financial documents and business verification
     

  • Review business bank statements and credit reports
     

  • Use third-party data sources for underwriting purposes
     

You may opt out of marketing messages, but transactional communications cannot be disabled.
 
5. Accuracy of Information
You agree that all information you provide is true, complete, and accurate.
Providing false, misleading, or incomplete information may result in:

  • Application denial
     

  • Cancellation of funding
     

  • Legal action in cases of fraud
     

It is your responsibility to update us if any information changes.
 
6. Funding Terms
Specific funding terms—including rates, fees, total payback, and repayment schedules—are outlined in the official funding agreement you receive upon approval.
You understand and agree that:

  • Funding terms may differ from any initial estimate or verbal explanation.
     

  • Merchant cash advances are not loans; they are purchases of future receivables.
     

  • All agreements are subject to final underwriting by the funding provider.
     

Karmata Capital is not responsible for decisions made by third-party lenders or funders.
 
7. No Legal, Tax, or Financial Advice
Content on this website is for informational purposes only.
Nothing on this website should be construed as:

  • Legal advice
     

  • Tax guidance
     

  • Financial or investment advice
     

You should consult qualified professionals before entering any financial agreement.
 
8. Privacy Policy
Your use of our website is subject to our Privacy Policy, which explains how we collect, store, and use your information.
 
9. Intellectual Property
All website content—logos, text, graphics, images, calculators, software, and design—is owned or licensed by Karmata Capital.
You may not:

  • Reproduce
     

  • Distribute
     

  • Modify
     

  • Display
     

  • Resell
     

any content without our written permission.
 
10. Limitation of Liability
Karmata Capital is not liable for:

  • Lost profits
     

  • Business delays or interruptions
     

  • Indirect or consequential damages
     

  • Funding decisions made by third-party providers
     

Your use of this website is at your own risk.
 
11. Disclaimer of Warranties
We make no warranties regarding:

  • Accuracy of displayed estimates
     

  • Availability of funding
     

  • Website uptime or error-free performance
     

  • Virus-free or vulnerability-free use
     

All content is provided “as-is.”
 
12. Indemnification
You agree to indemnify and hold harmless:

  • Karmata Capital
     

  • Its owners, employees, contractors, and affiliates
     

from any claim or liability arising out of:

  • Your use of the website
     

  • Your breach of these Terms
     

  • Your submission of inaccurate or fraudulent information
     

 
13. Changes to Terms
We may revise these Terms at any time.
Updates become effective immediately upon posting to the website.
Continued use of our site constitutes acceptance of these revisions.
 
14. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.
Any disputes shall be resolved exclusively in courts located in New York County, NY.
 
15. Contact Information
For questions or support, contact us:
Karmata Capital
Email: info@karmatacapital.com
Phone: (917) 914-7125
 

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