Terms & Conditions

Effective Date: March 31, 2026

Last Updated: March 31, 2026

1. Acceptance of Terms

By accessing or using the website and services of PJH Properties, LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website or services.

2. Services Overview

PJH Properties, LLC provides direct business lending services, including but not limited to working capital loans, revenue-based financing, commercial real estate financing, equipment financing, and related financial products. All lending decisions are made at our sole discretion based on creditworthiness, business financials, and other factors.

3. Eligibility

To apply for our services, you must:

• Be at least 18 years of age
• Have legal authority to bind your business to a loan agreement
• Provide accurate and complete information in your application
• Operate a legitimate business in the United States

4. Loan Application and Approval

Submitting a loan application does not guarantee approval or funding. All applications are subject to our underwriting process, which may include:

• Credit checks (personal and business)
• Verification of financial statements and tax returns
• Review of business operations and cash flow
• Assessment of collateral (if applicable)

We reserve the right to request additional documentation or information at any time during the application process.

5. Loan Terms and Repayment

If your loan is approved, specific terms (interest rate, repayment schedule, fees, etc.) will be outlined in a separate loan agreement. You are responsible for reviewing and understanding all terms before signing. Loan terms vary based on:

• Loan type and amount
• Creditworthiness and business financials
• Collateral (if applicable)
• Industry and business risk profile

Failure to repay your loan according to the agreed terms may result in late fees, default interest, collection actions, and negative credit reporting.

6. Fees and Charges

Our loans may include various fees, such as:

• Origination fees
• Processing fees
• Late payment fees
• Prepayment penalties (if applicable)

All fees will be disclosed in your loan agreement before you sign.

7. SMS Terms & Conditions

8. Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or harvest data from our website
• Transmit any viruses, malware, or harmful code
• Violate any applicable laws or regulations

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of PJH Properties, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

10. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

11. Limitation of Liability

To the fullest extent permitted by law, PJH Properties, LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to:

• Loss of profits or revenue
• Business interruption
• Data loss or corruption
• Errors or omissions in content

Our total liability for any claim related to our services shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless PJH Properties, LLC and its affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

13. Modifications to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles. Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any loan agreements you enter into with us, constitute the entire agreement between you and PJH Properties, LLC regarding the use of our services.

17. Contact Information

If you have questions or concerns about these Terms & Conditions, please contact us:

PJH Properties, LLC
200 1st Ave
Little Falls, NJ 07424
Email: patrick@pjhproperties.com