Terms & Conditions
Last Updated: April 2, 2026
Welcome to FIELDERS CHOICE, LLC. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our services.
2. Description of Services
FIELDERS CHOICE, LLC is a direct business lender providing various financing solutions, including:
- Working capital loans
- Revenue-based financing
- Equipment financing
- Commercial real estate loans
- Business expansion loans
All funding is subject to credit approval and underwriting criteria.
3. Eligibility
To apply for our services, you must:
- Be at least 18 years of age
- Be authorized to represent and bind the business you are applying on behalf of
- Provide accurate and complete information
- Operate a legitimate business in good standing
4. Application Process
When you submit a funding application:
- You authorize us to obtain and review your credit report and financial information
- You certify that all information provided is true, accurate, and complete
- You understand that submitting an application does not guarantee approval
- We reserve the right to request additional documentation or information
5. SMS Terms & Conditions
By expressly consenting to receive SMS/MMS messages from FIELDERS CHOICE, LLC, you agree to the following:
Message Program
We may send you recurring marketing and promotional text messages using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Frequency & Costs
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply. Contact your mobile carrier for details about your plan and any charges.
Opt-Out
You can opt out at any time by replying STOP to any message. After texting STOP, you will receive one final confirmation message, and no further messages will be sent unless you re-subscribe.
Help
For help or more information, reply HELP to any message or contact us at richard@fielderschoices.com.
Supported Carriers
This service is available on all major U.S. wireless carriers. Message and data rates may vary by carrier.
Consent Not Required
Consent to receive marketing SMS/MMS messages is NOT a condition of purchasing any goods or services from FIELDERS CHOICE, LLC. You may still apply for and receive funding without opting in to text messages.
Message Delivery
We are not liable for delayed or undelivered messages. Carriers are not responsible for message content.
6. Loan Terms & Conditions
If your application is approved:
- You will receive a written loan agreement outlining all terms, including principal amount, interest rate, fees, and repayment schedule
- You must review and sign the agreement before funds are disbursed
- All terms are subject to negotiation and final approval
- Late payments may result in additional fees and impact your credit
7. Website Use
You agree to use our website only for lawful purposes. You may not:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems or networks
- Introduce viruses, malware, or other harmful code
- Scrape or harvest data from the website
- Impersonate another person or entity
8. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of FIELDERS CHOICE, LLC and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:
- The website will be available at all times or error-free
- Any defects will be corrected
- The website is free of viruses or harmful components
10. Limitation of Liability
To the fullest extent permitted by law, FIELDERS CHOICE, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or services, even if we have been advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless FIELDERS CHOICE, LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from your use of our services or violation of these Terms.
12. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Orange County, Florida.
13. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Accessing third-party sites is at your own risk.
14. Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16. Entire Agreement
These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and FIELDERS CHOICE, LLC regarding your use of the website and services.
17. Contact Information
If you have any questions about these Terms & Conditions, please contact us:
FIELDERS CHOICE, LLC
175 Semoran Commerce Place, Suite D
Apopka, FL 32703
Email: richard@fielderschoices.com
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.