Terms & Conditions

1. Acceptance of Terms

By engaging the services of FFB Enterprises ("FFB," "we," "us," or "our"), you ("Client" or "you") agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not engage our services.

2. Services Provided

FFB Enterprises is a business funding consulting service. We create custom funding sequences — mapping banks, products, and application order — to help clients secure business credit. We are not a lender. We do not lend money, issue credit, or guarantee loan approval. Our role is advisory and strategic.

Services include an initial business assessment, a custom funding sequence plan, and guidance through the application process. The founder, DeAngelo, works directly with each client.

3. Qualification Criteria

To qualify for the qualified funding track, a client must meet all of the following at the time of assessment:

• Personal credit score of 680 or higher
• Total personal credit card limits of $10,000 or more
• No negative items on the credit report

Clients who do not meet all criteria are routed to the credit-readiness track. FFB reserves the right to determine qualification status based on the information provided during assessment.

4. Fees & Payment

An upfront assessment and strategy fee is charged at the start of engagement. A backend performance fee applies only when the client is funded and secures at least $30,000 in business credit. If we do not secure at least $30,000, the backend performance fee is waived.

All fee amounts are disclosed in writing before engagement begins. Fees are quoted in U.S. dollars.

5. $30K Minimum Guarantee

If FFB Enterprises does not secure at least $30,000 in business credit for a qualified client, the backend performance fee will not be charged. The upfront assessment and strategy fee is non-refundable, as it covers the cost of the assessment and the creation of the custom funding sequence. See our Refund / Cancellation Policy for full details.

6. Client Responsibilities

The client agrees to:

• Provide accurate, complete, and truthful information about credit, revenue, and business profile
• Respond to requests for documentation in a timely manner
• Follow the funding sequence as directed, including application order
• Notify FFB of any changes in financial status during the engagement
• Not apply for credit outside the planned sequence without consulting FFB

Failure to follow the sequence or provide accurate information may affect results and may void the guarantee.

7. No Guarantee of Specific Results

While FFB Enterprises uses its experience and 100+ bank relationships to maximize approved capital, final approval decisions are made by the lending institutions, not by FFB. We cannot guarantee specific dollar amounts, approval outcomes, or timelines. Results vary based on creditworthiness, revenue, business profile, and lender criteria.

8. Not a Lender; No Legal or Tax Advice

FFB Enterprises is not a bank, lender, or credit repair agency. We do not provide legal, tax, or financial advice. Clients should consult licensed professionals for such guidance. Nothing in our communications should be construed as legal, tax, or investment advice.

9. Credit Reporting

A soft credit pull is performed during assessment, which does not affect your credit score. Hard inquiries may occur during bank submissions. Our dispute team works to remove hard inquiries after the process is complete, but removal is not guaranteed and depends on bureau policies.

10. Confidentiality & Data Use

FFB Enterprises collects personal and financial information necessary to provide our services. We handle your data in accordance with our Privacy Policy. We do not sell your personal information. Information may be shared with lending partners as necessary to execute the funding sequence.

11. Intellectual Property

All funding sequences, strategies, materials, and communications provided by FFB Enterprises are proprietary. Clients may not reproduce, redistribute, or resell our strategies or materials without written consent.

12. Limitation of Liability

To the maximum extent permitted by law, FFB Enterprises shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or business opportunity, arising out of or related to our services. Our total liability shall not exceed the fees paid by the client for the services in question.

13. Indemnification

The client agrees to indemnify and hold harmless FFB Enterprises and its representatives from any claims, damages, or expenses arising from the client's use of secured credit, misrepresentation of information, or violation of these Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Concord, North Carolina.

15. Changes to These Terms

FFB Enterprises may update these Terms at any time. The "Last updated" date above reflects the most recent revision. Continued use of our services after changes constitutes acceptance of the revised Terms.

16. Contact

Questions about these Terms can be directed to: