Last updated: June 9, 2026
By accessing or using nightlightfunding.com or submitting a funding application, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our website or services.
Nightlight Funding provides working capital and business funding solutions to small and medium-sized businesses. Our services include evaluating funding applications, presenting funding offers, and facilitating access to capital through our network of funding providers. All funding is subject to review and approval at our sole discretion.
By providing your phone number and checking the SMS consent box on our application form, you expressly consent to receive text messages from Nightlight Funding.
Our services are available only to legal business entities operating in the United States. By submitting an application, you represent that you are at least 18 years of age, authorized to act on behalf of the business named in the application, and that all information provided is accurate and complete.
You agree to provide accurate, current, and complete information. Nightlight Funding reserves the right to decline or withdraw any funding offer if information provided was inaccurate, misleading, or incomplete.
Working capital advances are purchases of future business receivables and are not loans. They are not subject to the same regulations as traditional loans. The cost of capital is expressed as a factor rate, not an APR. Please review all offer terms carefully before accepting.
Submitting an application does not guarantee a funding offer. All applications are subject to our review and approval process, which may include verification of business revenue, bank statements, and other documentation.
All content on this website, including text, graphics, logos, and images, is the property of Nightlight Funding and protected by applicable intellectual property laws. You may not reproduce or distribute any content without our express written permission.
To the fullest extent permitted by law, Nightlight Funding shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or services.
You agree to indemnify and hold harmless Nightlight Funding, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated date. Continued use of our website constitutes acceptance of the updated terms.
These Terms are governed by the laws of the United States, without regard to conflict of law principles.