Financing Disclosures

Last updated: [Placeholder: effective date]

Not a lender

Sapphire Holdings is not a bank, direct lender, or government agency, and is not affiliated with or endorsed by the U.S. Small Business Administration. Sapphire Holdings does not make credit decisions, approve, fund, or guarantee loans. All financing is subject to the independent review and approval of the lender and, where applicable, SBA program requirements. Rates, terms, eligibility, and approval are determined solely by the lender.

No guarantee of financing

Submitting an inquiry, engaging Sapphire Holdings, or preparing a loan package does not guarantee that financing will be available or approved. Lenders independently evaluate each request using their own credit policies and, for SBA-guaranteed loans, SBA program requirements.

Rates, terms, and fees

Sapphire Holdings does not set interest rates, loan terms, or lender fees. Any rates, terms, or program limits referenced on this website are general descriptions and may change at any time. Your lender will provide the specific terms of any offer.

Compensation

[Placeholder: describe how Sapphire Holdings is compensated (for example, borrower-paid packaging or advisory fees, and/or lender-paid referral fees), and confirm the description with counsel.] In connection with any SBA-guaranteed loan, all fees paid to Sapphire Holdings by the borrower or the lender will be disclosed in writing and on SBA Form 159, Fee Disclosure and Compensation Agreement, as required by SBA regulations.

Licensing

Sapphire Holdings provides services where it is legally authorized to do so. [Placeholder: list any state licenses or registrations held (for example, commercial loan broker registrations) and license numbers, or state that none are required for the services offered.]

Business Solutions and third-party providers

Insurance, Merchant Services, Pay, and Business Technology solutions are provided by independent third-party providers, not by Sapphire Holdings. Services labeled “Coming Soon” are not yet available through a provider. Sapphire Holdings does not sell, solicit, quote, or bind insurance; insurance products are offered only through appropriately licensed providers, and no insurance quote, binder, or coverage is offered through this website. Sapphire Holdings does not process payments or hold customer funds. Provider applications, pricing, and approvals are subject to each provider’s own terms. Sapphire Holdings shares your information with a provider only with your permission and may receive referral compensation from providers. [Placeholder: confirm referral compensation arrangements with counsel.]

Not professional advice

Educational content on this website is general in nature and is not legal, tax, accounting, or investment advice. Consult your own professional advisors.