Terms of Service

Service

LoanLens provides guided intake, AI-assisted drafting, projection preparation, document export, and review workflow tools for SBA lender packet preparation. LoanLens is not affiliated with the SBA and does not approve, deny, recommend, or arrange credit.

User Responsibilities

• You are responsible for providing accurate, complete, and lawful information.
• You must review generated documents before using or submitting them.
• You are responsible for confirming assumptions, financial figures, legal details, licenses, ownership information, and lender-specific requirements.
• You may not use the service for unlawful, misleading, fraudulent, or unauthorized purposes.

No Financial, Legal, or Credit Advice

LoanLens provides document preparation support only. Generated content is not financial, legal, tax, underwriting, or credit advice. Final lending decisions must be made by qualified lending professionals.

Fees and Payment

A project purchase is $599 and provides access to prepare one borrower packet using the available business plan, projection, document, and review tools, including eligibility for the money-back guarantee described below. The project price includes a $99 non-refundable application fee. Payments are processed by Stripe. Pricing and available features may change for future purchases.

Money-Back Guarantee

If the borrower does not get approved for the loan associated with a guarantee-eligible paid LoanLens project, LoanLens will refund the project payment minus the $99 non-refundable application fee, subject to the limitations in this section. Refund requests must be submitted within 90 days after the lender's final written non-approval, denial, or decline notice for the loan tied to the project. Claims submitted after that 90-day period are not eligible.

To remain eligible, you must submit the loan application to a real lender in a timely manner after receiving your final LoanLens documents, use the LoanLens-prepared business plan and projection workbook in connection with that loan request, and make commercially reasonable efforts to respond to lender follow-up requests. You are responsible for borrower due diligence, including confirming the accuracy of all information supplied to LoanLens and the lender, reviewing the final packet, understanding the business or acquisition, confirming use of proceeds, and providing accurate financial, ownership, collateral, credit, tax, legal, and operational information.

The guarantee does not apply if the loan is not submitted, is abandoned, is materially changed from the project prepared in LoanLens, is submitted with materially inaccurate or incomplete borrower information, is declined because required borrower or third-party information was not provided, or is affected by facts outside LoanLens's document preparation work, including credit history, collateral, cash injection, lender policy, SBA eligibility, fraud, misrepresentation, undisclosed debts or liabilities, tax or legal issues, business performance, seller conduct, franchise approval, licensing, insurance, appraisal, environmental review, background checks, or other underwriting factors.

Refund requests may require reasonable documentation, including the lender's final non-approval notice, the date the application was submitted, the lender name, the loan purpose and amount, the documents submitted, and any stated reasons for non-approval. The guarantee applies to the LoanLens project fee only and does not cover third-party costs, lender fees, SBA fees, appraisal fees, professional fees, filing fees, lost opportunities, time, travel, or other expenses. The $99 application fee is non-refundable in all cases. LoanLens may deny claims that do not meet these terms or that are inconsistent with the submitted project record.

If a promotion code reduces the amount paid, any guarantee refund is limited to the amount actually collected by LoanLens minus the $99 non-refundable application fee. No refund amount remains when the amount actually paid is $99 or less.

Generated Documents

Generated documents are drafts based on borrower-provided information and model output. You may edit in-app drafts before submitting them for document quality review. Final Word and Excel downloads are released after that review is complete. You remain responsible for reviewing the final content and ensuring it is appropriate for the intended use.

Accounts and Access

You are responsible for maintaining the confidentiality of your account credentials and for activity under your account. Access may be limited, suspended, or terminated if these terms are violated or if continued access creates operational, security, or legal risk.

Limitation of Liability

To the fullest extent permitted by law, LoanLens is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost opportunities, or lending outcomes arising from use of the service.

Changes

We may update these terms from time to time. Continued use of the service after updated terms are posted means you accept the updated terms.

Contact

Questions about these terms, the service, or a refund request can be sent to support@sbaloanlens.com.