These terms apply to anyone who uses the SPX Credit Solutions website, fills out our forms or books a consultation. By using the site, you agree to them. If you don't agree, please don't use the site.
If you enroll in our program, you'll sign a separate client agreement. If anything in that agreement is different from these terms, the client agreement wins.
We help business owners who are struggling with merchant cash advances and unsecured business loans. That can include reviewing your agreements, building a payment plan and negotiating with your funders on your behalf.
To be clear about what we are not:
Everything on this website, including our articles, is general information. It isn't advice for your specific situation.
You need to be at least 18 and an owner or authorized person of the business you're asking about. Please give us accurate information. Our review and any plan we suggest depend on it, and wrong information can mean the plan won't work.
Not every business or every debt will qualify, and our program isn't available in all states. We'll tell you on your consultation if we can't help.
The results, savings figures and stories on this site come from past clients. They aren't typical and they don't promise that you'll get the same outcome. How things turn out depends on your funders, your balances, your agreements, your revenue and whether you complete the program.
Funders don't have to agree to any change in your payments. Enrolling may affect your credit, and a funder may still take collection or legal action while you're in the program. Settled debt may have tax consequences, so please talk to a tax professional.
There's no cost to use this website or to have a consultation with us. If you decide to enroll, our fees and how they're charged are explained in your written client agreement before you sign. You won't be charged anything that isn't in that agreement.
If you give us your contact details and check the consent box, you agree that we can reach you by phone, text and email, including with automated technology, as described in our Privacy Policy. Consent isn't required to work with us. Reply STOP to any text to opt out.
Please don't:
We can limit or block access for anyone who does.
The text, design, graphics and logos on this site belong to SPX Credit Solutions or the people who license them to us. You're welcome to read, print and share pages for personal use. Please don't copy, republish or sell our content without written permission.
Our site uses tools from other companies, like Calendly for booking, and may link to other websites. We're not responsible for their content or how they handle your information. Their own terms and privacy policies apply.
This website and its content are provided "as is" and "as available." To the fullest extent allowed by law, we make no warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We don't promise that the site will always be available or free of errors.
To the fullest extent allowed by law, SPX Credit Solutions and its team won't be liable for any indirect, incidental, special or consequential damages arising from your use of this website. Our total liability for any claim related to the website is limited to $100.
This section covers use of the website only. Your rights as an enrolled client are set out in your client agreement.
You agree to cover any claims or costs against us that result from you breaking these terms or misusing the site.
These terms are governed by the laws of the State of [State], without regard to its conflict of law rules. Any dispute about the website will be handled in the state or federal courts located in [County], [State], unless your client agreement says otherwise.
We may update these terms from time to time. The date at the top tells you when they last changed. If you keep using the site after an update, that means you accept the new terms.
Questions about these terms? We're happy to help.