Mosky Capital Terms and Conditions

Effective Date: 08/23/2018

These Terms and Conditions ("Terms") govern your use of the Mosky Capital website and services provided by Mosky Capital, a direct lender offering business financing solutions. By accessing or using the Mosky Capital website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. Definitions

• "Mosky Capital," "we," "our," "us": Refers to Mosky Capital and its affiliates, providing financing services.

• "User," "you," "your": Refers to the individual or business entity accessing or using Mosky Capital's website or services.

• "Services": Refers to the loan and financing products offered by Mosky Capital, including term loans, lines of credit, equipment financing, and business credit cards.

• "Website": Refers to the Mosky Capital website, including all its pages, content, and services.

2. Services Provided

Mosky Capital offers business financing solutions designed to assist businesses in meeting their financial needs. Our services include, but are not limited to:

• Term Loans: Short-term and long-term loans for business financing needs.

• Business Lines of Credit: Revolving credit for flexible funding options.

• Equipment Financing: Loans specifically designed to help businesses acquire new or used equipment.

• Business Credit Cards: Credit cards to support day-to-day business expenses.

3. Eligibility Requirements

To apply for financing through Mosky Capital, applicants must meet certain eligibility criteria, which may include but are not limited to:

• Business must have been in operation for at least 6 months to 1 year.

• Minimum credit score of 600 or higher.

• Proof of consistent revenue and financial stability.

• Other criteria may apply based on the specific loan or credit product.

4. Application and Approval Process

• Application: To apply for financing, you must submit the required application form, including financial documents such as bank statements, tax returns, and profit & loss statements.

• Approval Process: Mosky Capital reviews your application based on factors such as your credit score, financial health, and business performance. If approved, you will receive a loan offer, including terms, interest rates, repayment schedules, and fees.

• Loan Disbursement: Once the loan is approved and signed, funds will be disbursed to your designated business account, usually within 24 to 48 hours.

5. Loan Terms and Conditions

• Interest Rates: Interest rates for our financing products vary based on your business profile, creditworthiness, and the loan product selected. Fixed or variable interest rates may apply.

• Repayment Terms: Repayment schedules will depend on the loan type, ranging from monthly payments for lines of credit to short or long-term repayment schedules for loans.

• Late Fees: If a payment is not made by the due date, Mosky Capital reserves the right to charge a late fee as outlined in your loan agreement.

• Prepayment: There are no penalties for early repayment of loans. Early repayment can help reduce the total interest charged.

• Loan Amounts: Loan amounts may range from $5,000 to $500,000, or more depending on the loan product and business eligibility.

6. Fees

• Application Fee: Mosky Capital may charge an application fee depending on the loan product.

• Origination Fee: A fee may be charged at the time of loan origination, typically a percentage of the loan amount.

• Balance Transfer and Cash Withdrawal Fees: For business credit cards, zero fees may apply to balance transfers and cash withdrawals.

• Late Payment Fees: A late payment fee may be applied if payments are missed beyond the agreed-upon period.

• Other Fees: Additional fees may apply depending on the loan or credit product selected. These will be clearly outlined in your loan agreement.

7. Privacy and Data Security

Mosky Capital takes the privacy and security of your information seriously. By using our services, you agree to the collection, storage, and use of your personal and business information as outlined in our Privacy Policy.

8. Use of Website

You agree not to use the Mosky Capital website for any unlawful or prohibited purposes. You may not:

• Engage in any activity that could harm or interfere with the operation of the website.

• Use the website to transmit malicious software or engage in fraudulent activity.

• Share or post content that violates the rights of others.

9. Limitation of Liability

Mosky Capital is not liable for any damages or losses arising from the use of our website, services, or any products provided. This includes, but is not limited to, indirect, incidental, or consequential damages. We are not responsible for any errors, interruptions, or malfunctions on the website.

10. Modification of Terms

Mosky Capital reserves the right to update or modify these Terms at any time without prior notice. Any changes will be posted on this page, and the revised Terms will be effective immediately upon posting. Your continued use of our services constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the state or country in which Mosky Capital operates, without regard to its conflict of law principles. Any disputes will be resolved in the appropriate courts in the jurisdiction where Mosky Capital is located.

12. Contact Information

For questions or concerns regarding these Terms and Conditions, please contact us at:

Mosky Capital Customer Support
Email: contact@moskycapital.com
Address: 444 2nd Ave, Suite 6F, New York, NY 10010