Last Updated: March 31, 2026
Welcome to Dollars And Cents LLC. By accessing our website or using our services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully. If you do not agree with these Terms, you may not use our website or services.
These Terms constitute a legally binding agreement between you and Dollars And Cents LLC ("Company," "we," "us," or "our"). By using our website (dollars-and-cents.com) or submitting an application for funding, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Dollars And Cents LLC is a direct business lender providing various funding solutions, including but not limited to:
All funding products are subject to credit approval and underwriting. Terms, rates, and availability may vary based on creditworthiness, business performance, and other factors.
To apply for our services, you must:
When you submit a funding application, you authorize us to:
Submission of an application does not guarantee approval. We reserve the right to decline any application at our sole discretion.
Text Messaging Program Details:
If you opt in to receive text messages from Dollars And Cents LLC, you consent to receive recurring marketing and promotional SMS/MMS messages about our financial products, services, offers, and updates, sent using an automated telephone dialing system (ATDS).
Consent is NOT a condition of purchase. You may access our products and services without agreeing to receive text messages. Opting out will not affect your ability to apply for or receive funding.
Our text messaging service is compatible with all major U.S. mobile carriers. We are not responsible for messages that are delayed or not delivered due to carrier issues, device compatibility, or network outages.
You agree to provide accurate, current, and complete information when using our website or services. You are responsible for maintaining the accuracy of your information and promptly updating us of any changes.
Providing false, misleading, or incomplete information may result in:
You agree to use our website only for lawful purposes and in accordance with these Terms. You may not:
All content on this website, including text, graphics, logos, images, and software, is the property of Dollars And Cents LLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Our website may contain links to third-party websites or services that are not owned or controlled by Dollars And Cents LLC. We are not responsible for the content, privacy policies, or practices of third-party sites. Use of third-party sites is at your own risk.
To the fullest extent permitted by law, Dollars And Cents LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.
You agree to indemnify, defend, and hold harmless Dollars And Cents LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of:
Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in a class action lawsuit or class-wide arbitration.
The arbitration shall take place in California, and the laws of the State of California shall govern these Terms.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.
We may suspend or terminate your access to our website or services at any time, without notice, for conduct that we believe violates these Terms or is harmful to our business, other users, or third parties.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Dollars And Cents LLC regarding your use of our website and services.
If you have questions about these Terms & Conditions, please contact us:
Dollars And Cents LLC
5275 Capistrano Ave
Atascadero, CA 93422
Email: joshua@dollars-and-cents.com