1. Berkvale’s role
Berkvale provides business-services information and may help businesses identify or connect with independent providers. Unless expressly identified in a separate written agreement, Berkvale is not the acquiring bank, card network, payment processor, lender, or funding source. Berkvale does not make credit decisions on behalf of independent providers.
2. Business-capital products
Business-capital products are for commercial purposes only and are not consumer loans. Products may include loans, lines of credit, equipment financing, invoice factoring, receivables-based products, or other commercial-financing arrangements. Product structure varies by provider and jurisdiction.
All amounts displayed on the website, including the $25,000–$500,000 range, are illustrative of potential product ranges and are not a promise that any applicant will qualify for a particular amount.
3. No guarantee of approval or terms
Submitting information does not guarantee approval and does not create a financing offer. Approval and final terms depend on underwriting, business and owner qualifications, credit profile, time in business, revenue, industry, documentation, provider criteria, and applicable law. A provider may require a credit report, bank records, financial statements, collateral, a personal guarantee, or other information. Any credit inquiry will be performed only with authorization and may affect credit depending on the type of inquiry.
4. Review the provider’s disclosures
Before accepting commercial financing, review the provider’s written disclosures and agreement, including the total amount provided, finance charge or cost of capital, payment amount and frequency, term or estimated term, prepayment terms, collateral or guarantee requirements, and any applicable annualized rate or estimated annual percentage rate. Where required, the provider will deliver jurisdiction-specific commercial-financing disclosures before consummation.
5. Merchant-services products
Merchant-services approval, pricing, equipment, transaction funding, reserves, holds, chargeback rights, termination rights, and other conditions are determined by the applicable processor, acquiring bank, card network rules, risk review, and written merchant agreement. Advertised descriptions do not replace that agreement. Processing times and availability may vary by provider, bank, network, industry, transaction, and risk conditions.
6. Security and PCI responsibilities
Security tools and PCI-related assistance do not eliminate fraud, data-security, or compliance risk. Merchants remain responsible for following their agreements, applicable card-network rules, PCI DSS obligations, and laws that apply to their business. Berkvale does not guarantee that a merchant’s systems or transactions will be immune from breaches, fraud, disputes, or chargebacks.
7. Marketing statements
Examples, interface graphics, transaction amounts, approval messages, performance figures, timelines, and business scenarios shown on the website are illustrative marketing content unless specifically identified as verified results. Past or representative performance does not guarantee future results. “Fast,” “simple,” or similar descriptions are not guarantees of approval, funding, installation, settlement, or response time.
8. Fees and compensation
Berkvale may receive compensation from a provider when a business obtains a product or service through a referral or arranged relationship. Provider compensation can vary. Your actual pricing and obligations will appear in the applicable written agreement and required disclosures.
9. No professional advice
Website materials and conversations with Berkvale are not legal, tax, accounting, or investment advice. Evaluate the business impact of any merchant-services or capital agreement with your own qualified advisers.
10. Third-party names and marks
Third-party names, card-network marks, and product names belong to their respective owners. Their appearance, if any, identifies compatibility or a potential business relationship and does not imply endorsement unless expressly stated.
11. Questions
For questions about these disclosures, contact info@berkvale.com or +1 820-333-3033. For questions about a specific offer or agreement, contact the provider identified in that document.