Legal Documents
We collect information you provide directly to us, including:
We also collect certain information automatically when you visit our website, such as your IP address, browser type, and pages visited.
We use the information we collect to:
We do not sell your personal information. We may share your information with:
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
You may request access to, correction of, or deletion of your personal information by contacting us. We will respond to your request within a reasonable timeframe.
Our website uses cookies to enhance your browsing experience. You may disable cookies through your browser settings, though this may affect certain features of our website.
If you have questions about this Privacy Policy, please contact us:
We reserve the right to modify this Privacy Policy at any time. Changes will be posted on this page with an updated date.
By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not use our services.
You must be at least 18 years old and have the legal authority to enter into binding agreements to use our services. If you are applying on behalf of a business, you represent that you have the authority to bind that business to these Terms.
Eljay Capital provides business funding solutions, including working capital loans and related financial services. Our services include:
When using our services, you agree to:
You may not:
No Guarantee of Funding: Submitting an application does not guarantee approval. All funding decisions are subject to our underwriting criteria and available funding sources.
Website Availability: We strive to maintain website availability but do not guarantee uninterrupted access. We may modify, suspend, or discontinue our services at any time.
Third-Party Links: Our website may contain links to third-party websites. We are not responsible for the content or practices of these websites.
Limitation of Liability: To the maximum extent permitted by law, Eljay Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in New York, NY, in accordance with the rules of the American Arbitration Association.
If you have questions about these Terms of Service, please contact us:
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new Terms.
Submission of a funding application does not guarantee approval. Approval decisions are made by our funding partners based on their individual underwriting criteria, which may include credit history, time in business, monthly revenue, and other factors.
Funding costs, factor rates, interest rates, origination fees, and other charges vary by funding partner, product type, and applicant qualifications. All rates and fees will be clearly disclosed before you accept any funding offer.
Merchant Cash Advances (MCAs) are not loans. An MCA is a purchase of a portion of your future receivables. MCAs are not subject to usury laws and the cost of capital is expressed as a factor rate, not an annual percentage rate (APR).
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of the applicant's income derives from any public assistance program.
For questions regarding these disclosures, please contact us: