Terms and Conditions

I attest that all of the information on this application is true. I authorize Urban Strategies Inc. to investigate and verify the above information and contact any references regarding this application.

I also authorize Urban Strategies, Inc. to perform a credit check, which may include obtaining consumer and /or commercial credit reports and exchanging information about credit experience with other creditors from time to time, as authorized by law. The release in any manner by Urban Strategies, Inc. of all information is hereby authorized whether such information is of record or not, and I hereby release all persons, agencies, firms, companies, etc., from any damages resulting from such information.

I understand that if I apply as a co-borrower, co-applicant, or co-signer, I am applying for joint credit with the other parties on this application.

I understand that if I receive a loan from Urban Strategies, Inc., I must make my full monthly payments on time. I understand that I cannot be delinquent in my repayment of this loan and must use the loan for the business purpose specified in my loan application. I also understand that delinquent loan payments can adversely affect my credit record. I understand that Urban Strategies, Inc. will retain this application whether the loan is approved or denied and that I can appeal a denial of this loan request.

By submitting this application, I agree to the above terms and acknowledge that my application is incomplete until all required documents are received.

  1. Loans made by Urban Strategies Inc. are fixed rate. 
  2. Urban Strategies Inc. provides all loans and loan servicing exclusively. 
  3. Other eligibility criteria may apply. All applications are subject to review. Actual rates depend on fundamental credit score, loan terms, and credit usage and history.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, age (provided the applicant can enter into a binding contract); whether all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any of his/her rights under the law. The Federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission (FTC).