Legal Disclaimers

RJ Business Funding welcomes ITIN-holding business owners. The following disclosures apply to all ITIN-related business funding services:

• No Work Authorization: An ITIN does not provide authorization to work in the United States. It is a tax processing number issued by the IRS for federal tax filing purposes only.
• No Immigration Status Change: An ITIN does not confer, change, or create any inference regarding immigration status.
• Lender Discretion: Not all lenders in our network accept ITINs for business funding applications. ITIN acceptance is at each lending partner's sole discretion.
• Business EIN Separate: A business Employer Identification Number (EIN) is separate from a personal ITIN or SSN. Business entities can obtain an EIN regardless of the owner's tax ID type.
• SBA Loans: Some SBA loan programs have specific eligibility requirements regarding tax identification. ITIN holders should consult with an SBA-approved lender for specific program eligibility.
• ITIN Renewal: ITINs not used on a federal tax return for 3 consecutive years expire. Expired ITINs may affect loan applications.

RJ Business Solutions does not provide immigration legal advice. For immigration-related questions, consult a licensed immigration attorney.

RJ Business Funding, a division of RJ Business Solutions, LLC, is NOT a direct lender. We are a commercial loan broker and marketplace platform that connects businesses with third-party lending institutions. We do not make loans, advances, or financing decisions. All underwriting, approval decisions, rates, terms, and conditions are determined solely by the lending partner.

RJ Business Solutions may receive compensation in the form of broker fees, commissions, origination fee splits, or referral fees from lending partners for successfully connecting borrowers with funding. These fees do not increase the cost to the borrower beyond what the lender would charge directly.

All APR ranges, factor rates, term lengths, and funding amounts displayed on this website are estimates and ranges based on our lender network's typical offerings. Your actual rate, term, and funding amount will be determined by the specific lender based on:

• Personal and business credit scores
• Business revenue, profitability, and financial health
• Time in business and industry risk profile
• Collateral availability (for secured products)
• Lender-specific underwriting criteria

Pre-qualification is NOT a commitment to lend and does NOT guarantee approval, specific rates, or specific funding amounts.

In compliance with the FTC Endorsement Guides (16 CFR Part 255):

• Testimonials and case studies represent individual business experiences and are not guarantees of results
• Statistics such as “$500M+ funded” and “12,000+ businesses” are based on historical aggregate data
• Funding amounts, approval times, and rates achieved by other businesses are not predictive of your outcome
• Some business names or identifying details may be modified for privacy

Information provided by RJ Business Funding is for informational and brokerage purposes only and does not constitute:

• Financial advice. Consult a certified financial advisor for business financial planning
• Legal advice. Consult a licensed attorney for legal questions about loan agreements
• Tax advice. Consult a CPA or enrolled agent for tax implications of business financing
• Accounting advice. Consult a licensed accountant for bookkeeping and reporting

RJ Business Solutions, LLC complies with all applicable laws and regulations, including:

• Truth in Lending Act (TILA): All consumer-applicable APR and fee disclosures are provided by lending partners
• Equal Credit Opportunity Act (ECOA): We do not discriminate based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good-faith exercise of rights under the Consumer Credit Protection Act
• Bank Secrecy Act (BSA) / AML: We conduct appropriate due diligence and identity verification
• California SB 1235: Commercial financing disclosures for California businesses
• New York CFDL: Commercial Finance Disclosure Law compliance
• Virginia CFDA: Commercial Financing Disclosure Act compliance
• Utah CFRA: Commercial Financing Registration Act compliance
• PCI-DSS: Payment Card Industry Data Security Standard for all merchant processing

SBA loans referenced on this website are government-backed loans issued by SBA-approved lending partners. RJ Business Solutions is not an SBA-approved lender. We facilitate introductions to SBA lenders. SBA loans are subject to SBA eligibility requirements, SBA underwriting guidelines, and the lending partner's additional requirements. SBA guarantee fees, closing costs, and other charges apply and are disclosed by the lender.

Merchant processing services are provided through registered Independent Sales Organization (ISO) and Member Service Provider (MSP) partnerships. Processing rates shown are representative and may vary based on industry, transaction type (card-present vs. card-not-present), average ticket size, and monthly volume. All merchant accounts are subject to underwriting approval by the acquiring bank.