WEBSITE DISCLAIMER
Effective Date: October 25, 2025
Broker Disclosure
SBA Loans Michigan is a trade name of LVRG, LLC (also doing business as LVRG Business Funding), a Michigan limited liability company. LVRG, LLC operates as an independent loan broker and commercial finance consultant. We are not a bank, direct lender, or government agency. We do not make credit decisions, extend credit, or fund loans. All loan products, including but not limited to SBA 7(a) loans, SBA 504 loans, and USDA Business & Industry loans, are originated, underwritten, approved, and funded exclusively by third-party financial institutions with which LVRG, LLC maintains strategic referral partnerships.
Licensing and Registration
LVRG, LLC operates as a commercial loan broker in the State of Michigan. LVRG, LLC facilitates commercial (non-consumer) business financing exclusively. Under Michigan law, commercial loan brokers facilitating business-to-business financing for amounts exceeding the consumer lending thresholds are not required to maintain a consumer loan broker license.
This Website and LVRG, LLC's services pertain exclusively to commercial business financing. We do not broker, arrange, or facilitate consumer loans, residential mortgages, home equity loans, personal loans, credit cards, or any other financing products subject to Michigan consumer protection statutes or federal consumer lending regulations.
NMLS #: Not applicable - commercial loans only
No Government Affiliation
LVRG, LLC, LVRG Business Funding, and SBA Loans Michigan are privately owned companies and are not affiliated with, endorsed by, or sponsored by the U.S. Small Business Administration (SBA), the U.S. Department of Agriculture (USDA), the State of Michigan, or any other government agency.
"SBA" refers to loan programs guaranteed by the U.S. Small Business Administration. Use of "SBA" in our business name and Website is descriptive of the loan programs we help businesses access and does not imply government affiliation, endorsement, partnership, or special relationship with the SBA or any government entity.
All SBA and USDA loan programs are administered by approved private lenders in accordance with federal program guidelines established by the respective government agencies.
Commercial Transactions Only
LVRG, LLC exclusively facilitates commercial business financing for established business entities. We do not offer, broker, or arrange:
Consumer credit or personal loans
Residential mortgages or home equity loans
Credit cards or personal lines of credit
Auto loans for personal use
Student loans
Any financing products subject to the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA) consumer provisions, or Consumer Financial Protection Bureau (CFPB) consumer regulations
All loans facilitated through our services are commercial in nature, made to business entities for legitimate business purposes, and are exempt from consumer lending regulations under applicable federal and Michigan state law.
Informational Purposes Only
All content on SBALoansMichigan.com and LVRGFunding.com (collectively, the "Website") is provided for general informational and educational purposes only. Nothing on this Website constitutes financial advice, legal advice, tax advice, accounting guidance, investment recommendations, or professional consulting services.
The information presented should not be relied upon as a substitute for consultation with qualified professionals, including but not limited to:
Licensed attorneys for legal matters
Certified Public Accountants (CPAs) for tax and accounting matters
Licensed financial advisors for investment decisions
Insurance professionals for risk management
Industry-specific consultants for business strategy
You are solely responsible for evaluating the accuracy, completeness, and usefulness of all information provided on this Website and for seeking appropriate professional advice before making any business or financial decisions.
No Guarantee of Loan Approval or Terms
LVRG, LLC makes no representations, warranties, or guarantees—express, implied, or statutory—regarding loan approval, interest rates, loan terms, fees, closing timelines, loan amounts, or any other aspect of financing.
All loan products are subject to credit approval by third-party lenders. Loan availability, interest rates, repayment terms, fees, down payment requirements, collateral requirements, personal guarantee requirements, and eligibility criteria are determined solely by the funding institution and may vary significantly based on:
Personal and business creditworthiness
Business and personal financial condition and history
Collateral type, quality, and valuation
Industry type and business model
Geographic location and market conditions
Time in business and management experience
Debt-to-income ratios and debt service coverage
Current economic conditions and lender capacity
SBA or USDA program requirements and availability
Property appraisal results and environmental conditions
Past results, case studies, or examples presented on this Website do not guarantee, predict, or suggest future outcomes. Your results may differ materially.
Rate and Fee Disclosures
Interest rates, fees, loan terms, and payment amounts displayed on this Website are estimates and examples for illustrative purposes only and are subject to change without notice. Actual rates and terms are determined exclusively by Partner Lenders based on individual borrower qualifications and current market conditions.
Rates and terms are influenced by:
Personal credit scores and credit history
Business credit profile and payment history
Debt-to-income and debt service coverage ratios
Time in business and industry experience
Collateral type, condition, value, and loan-to-value ratio
Down payment amount and borrower equity
Current Federal Reserve rates and Treasury yields
Lender capacity, appetite, and portfolio objectives
SBA or USDA program requirements and guarantee fees
Advertised rates do not include all fees and closing costs. The Annual Percentage Rate (APR) will be higher than the stated interest rate due to fees, points, guarantee fees, packaging fees, closing costs, and other charges.
Typical fees may include but are not limited to:
SBA guarantee fees (0.5% - 3.75% of guaranteed portion)
Lender origination fees and points
Packaging and processing fees
Appraisal, environmental assessment, and survey costs
Title insurance and title search fees
Legal and closing attorney fees
Recording fees and transfer taxes
Third-party report fees
You will receive a complete written disclosure of all rates, fees, terms, and costs from the funding lender prior to loan closing in accordance with applicable disclosure requirements. LVRG, LLC does not set, control, influence, or guarantee any rates, fees, terms, or conditions offered by Partner Lenders.
Case Studies and Testimonials
Case studies, success stories, client testimonials, examples, and results presented on this Website are based on actual client experiences but are not guarantees, predictions, or indications of future results. Individual outcomes vary significantly based on numerous factors including but not limited to:
Borrower creditworthiness and financial strength
Business financial performance, profitability, and cash flow
Industry conditions, market dynamics, and competitive landscape
Collateral quality, location, and current market valuation
Lender appetite, capacity, and underwriting criteria at time of application
Economic conditions, interest rate environment, and credit market conditions
Property condition, environmental status, and regulatory compliance
Management experience, business plan quality, and execution capability
Loan amounts, interest rates, terms, fees, approval timelines, and outcomes shown in examples may not be currently available and may not be applicable to your specific situation.
Some examples may be composite representations created for illustrative purposes by combining elements from multiple transactions to demonstrate typical scenarios while protecting client confidentiality. Client names, business names, specific locations, and other identifying details are changed or omitted to protect privacy and maintain client confidentiality.
PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. INDIVIDUAL RESULTS WILL VARY.
Limitation of Liability
To the fullest extent permitted by applicable Michigan and federal law, LVRG, LLC, its members, managers, officers, employees, agents, contractors, affiliates, successors, and assigns (collectively, "Released Parties") shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or any other damages (including but not limited to loss of profits, loss of business opportunity, loss of data, business interruption, or reputational harm) arising from or related to:
(a) Use of or inability to use this Website or any services provided; (b) Reliance on any information, content, materials, rates, terms, or recommendations provided on this Website; (c) Loan application denials, unfavorable loan terms, or delays in loan processing or funding; (d) Changes in interest rates, market conditions, lender policies, or government program requirements; (e) Errors, omissions, inaccuracies, or outdated information in Website content; (f) Any business, financial, or investment decisions made based on information obtained from this Website; (g) Actions or omissions of Partner Lenders or any third parties; (h) Technical failures, security breaches, or unauthorized access to information; (i) Interruptions in service, Website downtime, or loss of data; (j) Any other matter relating to this Website or our services.
This limitation of liability applies regardless of the legal theory asserted, including but not limited to breach of contract, breach of warranty, breach of fiduciary duty, negligence, gross negligence, strict liability, fraud, misrepresentation, or any other tort or statutory claim.
IN NO EVENT SHALL THE RELEASED PARTIES' TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEBSITE OR SERVICES (WHICH IS TYPICALLY ZERO).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, liability shall be limited to the greatest extent permitted by applicable law.
Accuracy of Information
While LVRG, LLC strives to provide accurate, current, and reliable information, we make no representations, warranties, or guarantees—express or implied—regarding the completeness, accuracy, reliability, timeliness, availability, merchantability, fitness for a particular purpose, or non-infringement of any content on this Website.
Loan programs, interest rates, eligibility requirements, program guidelines, government regulations, and other financing information are subject to change at any time without notice due to lender policy changes, market conditions, regulatory updates, or government program modifications.
All information presented, including but not limited to rates, terms, fees, program guidelines, eligibility criteria, and approval timelines, should be considered estimates and examples provided for illustrative purposes only. Actual terms, conditions, and requirements will be determined by the funding lender and communicated directly to you during the application process.
YOU ACKNOWLEDGE THAT ANY RELIANCE ON INFORMATION PROVIDED ON THIS WEBSITE IS AT YOUR OWN RISK.
Third-Party Lender Relationships and Compensation
LVRG, LLC maintains strategic business relationships and referral agreements with multiple financial institutions, including banks, credit unions, commercial finance companies, and specialty lenders (collectively, "Partner Lenders").
LVRG, LLC receives compensation in the form of referral fees, finder's fees, commissions, or other consideration from Partner Lenders when loan transactions successfully close and fund. The amount of compensation varies by lender, loan type, loan size, and program, and may be based on a percentage of the loan amount or a flat fee structure.
This compensation is paid by the lender and does not increase the interest rate, fees, or costs charged to you as the borrower. All loan terms, conditions, interest rates, fees, and costs are set exclusively by the funding lender in accordance with their standard underwriting guidelines and pricing policies. LVRG, LLC does not mark up rates or add fees to lender pricing.
All loan terms, conditions, interest rates, fees, approval decisions, underwriting requirements, and funding determinations are made solely and exclusively by Partner Lenders in accordance with their internal policies, underwriting guidelines, and applicable federal and state lending regulations.
LVRG, LLC does not have any ownership interest in, or control over, any Partner Lender. Partner Lenders are independent third parties that make all credit decisions.
No Attorney-Client, Fiduciary, or Confidential Relationship
Submission of information through this Website, including but not limited to contact forms, loan inquiry forms, loan applications, or document uploads, does not create, establish, or imply:
An attorney-client relationship
A fiduciary relationship or fiduciary duty
An agency relationship (except as specifically authorized in writing)
Any confidential, privileged, or protected relationship under Michigan or federal law
Any information you submit may be shared with Partner Lenders, co-lenders, underwriters, appraisers, environmental consultants, title companies, attorneys, accountants, insurance providers, and other third-party service providers as necessary and appropriate to evaluate your loan inquiry, underwrite your application, and facilitate loan closing.
While we treat all client information professionally and confidentially in the ordinary course of business, communications with LVRG, LLC are not protected by attorney-client privilege, work-product doctrine, or any other legal privilege.
Consent to Contact and Communication
By submitting your contact information through this Website, including but not limited to your name, phone number, email address, and business information, you expressly provide your prior written consent to be contacted by LVRG, LLC and our authorized representatives regarding your loan inquiry and related business services.
You consent to receive communications via:
Telephone calls to any phone number you provide (including mobile/cellular phones)
Text messages (SMS/MMS) to mobile phones
Email messages
U.S. Mail
Other electronic communications
Purpose of Communications: Communications may relate to:
Your loan inquiry and application status
Additional information requests or documentation needs
Loan quotes, terms, and approval updates
Educational content about loan programs
Updates about our services
Follow-up regarding your inquiry
Not a Condition: You acknowledge that providing consent to be contacted is not a condition of receiving any loan, service, or doing business with LVRG, LLC or any Partner Lender. Your loan eligibility is based solely on your qualifications as determined by the lender.
Revocation of Consent: You may revoke your consent to be contacted at any time by:
Sending an email to hello@sbaloansmichigan.com with "REVOKE CONTACT CONSENT" in the subject line
Calling (855) 998-5874 and requesting to be placed on our Do Not Contact list
Replying "STOP" to any text message
Clicking "unsubscribe" in any email communication
Upon receipt of your revocation request, we will cease contacting you within 10 business days, except for communications necessary to complete any pending loan application you have authorized or as required by law.
Message and Data Rates: Standard message and data rates charged by your mobile carrier may apply to text messages. LVRG, LLC is not responsible for carrier charges.
No Third-Party Sharing for Marketing: Your telephone number and contact information will not be sold, rented, or shared with third parties for marketing purposes unrelated to your loan inquiry. Contact information may only be shared with Partner Lenders and service providers directly involved in processing your loan request.
Privacy and Data Use
LVRG, LLC is committed to protecting your personal and business information in accordance with applicable Michigan and federal privacy laws and industry best practices.
Information Collection: We collect information you voluntarily provide through this Website, including but not limited to:
Contact information (name, phone, email, mailing address)
Business information (business name, industry, time in business, revenue)
Financial information (credit scores, financial statements, tax returns)
Property information (addresses, valuations, intended use)
Employment and ownership information
Data Security: All data collected through this Website is:
Collected, stored, and transmitted using bank-level SSL/TLS encryption (minimum 256-bit)
Stored on secure, password-protected, cloud-based infrastructure with enterprise-grade security
Protected by firewalls, intrusion detection, and access controls
Accessible only to authorized personnel on a need-to-know basis
Backed up regularly with encrypted redundant storage
Despite these measures, no data transmission over the internet or electronic storage system is 100% secure. While we implement reasonable security measures, we cannot guarantee absolute security.
Data Use: Information submitted through this Website will be used exclusively for the following legitimate business purposes:
(a) Evaluating your loan eligibility and preparing loan applications (b) Facilitating introductions and referrals to appropriate Partner Lenders (c) Coordinating loan underwriting, appraisal, and closing processes (d) Providing customer service, support, and loan status updates (e) Improving our services, Website functionality, and user experience (f) Complying with legal obligations, responding to lawful requests, and protecting our legal rights (g) Preventing fraud, unauthorized access, and other illegal activities
Information Sharing: Information may be shared on a confidential, need-to-know basis with:
Partner Lenders for loan evaluation and underwriting
Co-lenders and participating lenders in loan transactions
Appraisers, environmental consultants, and property inspectors
Title companies, escrow agents, and closing attorneys
Insurance providers and bonding companies
Accountants, auditors, and tax professionals (with your authorization)
Legal counsel representing us or participating in transactions
Government agencies as required by law or regulation
Service providers performing services on our behalf (subject to confidentiality agreements)
All parties receiving your information are contractually obligated or professionally required to maintain confidentiality and use information solely for authorized business purposes related to your loan inquiry and transaction.
We Do NOT:
Sell personal or business information to third parties
Rent or lease information to marketers or data brokers
Share information with unrelated third parties for their marketing purposes
Engage in lead generation sales or mass marketing campaigns
Transfer data outside the United States (except as required for cloud infrastructure)
Data Retention: We retain your information for as long as necessary to provide services, comply with legal obligations (including tax and banking regulations requiring retention of records), resolve disputes, and enforce agreements. Inactive records are purged in accordance with our document retention policy and applicable record-keeping requirements.
Your Rights: You have the right to:
Access information we have collected about you
Request correction of inaccurate information
Request deletion of your information (subject to legal retention requirements)
Opt out of marketing communications
Revoke consent to contact (as described above)
To exercise these rights, contact us at hello@sbaloansmichigan.com.
For complete details on our privacy practices, please review our Privacy Policy at https://sbaloansmichigan.com/privacy-policy
California Privacy Rights (CCPA)
If you are a California resident or operate a business in California, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) regarding your personal information, including:
Right to know what personal information we collect, use, disclose, and sell
Right to request deletion of personal information
Right to opt-out of the sale of personal information (if applicable)
Right to non-discrimination for exercising your privacy rights
WE DO NOT SELL PERSONAL INFORMATION as defined by CCPA/CPRA. We share information only as necessary to facilitate loan transactions and provide services as described in this Disclaimer.
For complete details on California privacy rights and how to exercise them, please see our Privacy Policy or contact us at hello@sbaloansmichigan.com with "CCPA REQUEST" in the subject line.
Electronic Signatures and Communications (ESIGN Act Compliance)
By using this Website and our services, you consent to conduct business electronically and acknowledge that:
Electronic signatures, contracts, agreements, and records have the same legal validity and enforceability as traditional handwritten signatures and paper documents under the federal Electronic Signatures in Global and National Commerce Act (ESIGN Act) and Michigan Uniform Electronic Transactions Act (UETA)
You consent to receive all documents, disclosures, notices, agreements, statements, records, and other communications ("Communications") in electronic form via email, secure client portal, or through this Website
Electronic delivery of Communications satisfies any legal requirement that such Communications be provided in writing
You have the necessary hardware, software, and internet access to receive, access, view, print, and download electronic Communications
System Requirements: To access electronic Communications, you need:
A device with internet access (computer, tablet, or smartphone)
A current web browser (Chrome, Firefox, Safari, Edge) with 128-bit encryption
Sufficient electronic storage capacity or printer to retain or print Communications
A valid email address
PDF reader software (such as Adobe Acrobat Reader) for certain documents
Right to Paper Copies: You have the right to receive paper copies of any electronic Communication by contacting us at hello@sbaloansmichigan.com or (855) 998-5874. We will provide paper copies at no charge. You may also print electronic Communications for your records.
Withdrawal of Consent: You may withdraw your consent to receive electronic Communications at any time by emailing hello@sbaloansmichigan.com with "WITHDRAW ELECTRONIC CONSENT" in the subject line. Withdrawal of consent may delay or prevent us from processing your loan inquiry, as we may need to transition to paper-based communications. Withdrawal does not affect the legal validity of electronic Communications provided before withdrawal.
Updating Contact Information: You must promptly notify us of any change to your email address or other contact information by emailing hello@sbaloansmichigan.com to ensure you continue to receive Communications.
Geographic Scope and Michigan Focus
LVRG, LLC is headquartered in Michigan and primarily serves small and mid-sized businesses located in the State of Michigan. Our expertise, lender relationships, market knowledge, and service capabilities are concentrated in Michigan markets including but not limited to Metro Detroit, Ann Arbor, Grand Rapids, Lansing, Flint, Kalamazoo, and rural Michigan communities.
While we may consider loan inquiries from businesses located in other states, loan availability, program eligibility, lender participation, and our ability to provide services may vary significantly by state and geographic location due to:
State-specific lending regulations and licensing requirements
Lender geographic restrictions and service areas
SBA and USDA program availability by region
State-specific business and property laws
Market knowledge and local expertise limitations
Out-of-State Inquiries: If you are located outside Michigan, we will evaluate whether we can effectively serve your needs and will refer you to other qualified service providers if we cannot. We make no representation that services offered through this Website are available or appropriate for use in all locations.
Equal Opportunity and Non-Discrimination
LVRG, LLC is committed to equal opportunity and does not discriminate, and will not tolerate discrimination, on the basis of:
Race or color
Religion or creed
National origin or ancestry
Sex or gender
Gender identity or expression
Sexual orientation
Marital status or familial status
Age
Disability or handicap
Genetic information
Military or veteran status
Citizenship status
Any other characteristic protected under federal, state, or local law
This commitment applies to all aspects of our business operations and service delivery.
All Partner Lenders with whom we work are Equal Opportunity Lenders and comply with all applicable fair lending laws, including but not limited to:
Equal Credit Opportunity Act (ECOA)
Fair Housing Act (FHA)
Americans with Disabilities Act (ADA)
Michigan Elliott-Larsen Civil Rights Act
Other applicable federal, state, and local anti-discrimination laws
Links to Third-Party Websites
This Website may contain hyperlinks to websites operated by Partner Lenders, government agencies (including the U.S. Small Business Administration and U.S. Department of Agriculture), industry associations, business resources, and other third-party organizations.
LVRG, LLC does not control, operate, endorse, recommend, or assume any responsibility for:
The content, accuracy, or opinions expressed on third-party websites
The privacy policies or data practices of third-party websites
The security of third-party websites
Any products, services, or information offered on third-party websites
Any transactions you enter into with third parties
Links are provided solely for your convenience and informational purposes. Access to and use of linked third-party websites is entirely at your own risk. You should review the terms of use, privacy policies, and other policies of any third-party websites before providing any information or conducting any transactions.
The inclusion of any link does not imply endorsement, approval, or recommendation by LVRG, LLC.
Acceptable Use Policy
By accessing and using this Website, you agree to use it only for lawful purposes and in accordance with this Disclaimer.
You agree NOT to:
(a) Use this Website for any unlawful purpose or in violation of any applicable federal, state, or local laws or regulations
(b) Attempt to gain unauthorized access to any portion of the Website, computer systems, networks, or servers connected to the Website through hacking, password mining, or any other means
(c) Transmit, upload, or distribute any viruses, malware, ransomware, trojan horses, worms, spyware, or other malicious or harmful code
(d) Interfere with, disrupt, or impose an unreasonable burden on the Website, servers, networks, or infrastructure
(e) Harvest, scrape, collect, or compile information about other users without their express consent
(f) Use automated systems, bots, spiders, scrapers, or other automated means to access the Website without our express written permission
(g) Impersonate any person or entity, or falsely state or misrepresent your identity or affiliation with any person or entity
(h) Submit false, misleading, inaccurate, or fraudulent information in loan applications, contact forms, or other submissions
(i) Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying algorithms of the Website
(j) Use the Website to transmit unsolicited advertising, promotional materials, spam, chain letters, or other forms of unauthorized solicitation
(k) Violate the intellectual property rights, privacy rights, or other rights of LVRG, LLC or any third party
(l) Engage in any conduct that restricts or inhibits any other user from using or enjoying the Website
(m) Use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website
Consequences of Violation: Violation of this Acceptable Use Policy may result in:
Immediate termination of your access to the Website
Removal of your account and information
Referral to law enforcement authorities
Legal action to recover damages and obtain injunctive relief
Reporting to credit bureaus and industry databases if fraud is involved
We reserve the right to investigate suspected violations and cooperate with law enforcement authorities in prosecuting users who violate this policy or applicable laws.
Intellectual Property Rights
All content, materials, features, functionality, and intellectual property on this Website, including but not limited to:
Text, articles, blog posts, and written content
Graphics, images, photographs, and illustrations
Logos, trademarks, service marks, and trade names
Videos, audio files, and multimedia content
Software, code, scripts, and applications
Design, layout, look and feel, and user interface
Compilation, organization, and arrangement of content
Proprietary processes, methodologies, and systems
...are the exclusive property of LVRG, LLC or its licensors and are protected by United States and international intellectual property laws, including but not limited to copyright law, trademark law, patent law, and trade secret law.
Trademarks: "SBA Loans Michigan," "LVRG," "LVRG Business Funding," and associated logos are trademarks or service marks of LVRG, LLC. All rights reserved. Use of these marks without express written permission is strictly prohibited.
"SBA" and "Small Business Administration" are registered marks of the U.S. Small Business Administration. "USDA" is a mark of the U.S. Department of Agriculture. Use of these terms on this Website is solely for descriptive purposes to identify government loan programs and does not imply endorsement, affiliation, or sponsorship.
Limited License: Subject to your compliance with this Disclaimer, LVRG, LLC grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use this Website for your personal, non-commercial use in connection with evaluating loan options for your business.
Restrictions: You may NOT:
Reproduce, distribute, publicly display, or publicly perform any Website content
Modify, adapt, translate, or create derivative works from Website content
Reverse engineer, decompile, or disassemble any Website software or functionality
Remove, alter, or obscure any copyright, trademark, or other proprietary notices
Use any content for commercial purposes or public distribution
Frame, mirror, or replicate any portion of the Website on another website
Use any meta tags, hidden text, or other techniques utilizing Website content
Download or copy account information for the benefit of any third party
Use data mining, robots, scraping, or similar data gathering tools
Permission Required: Any use of Website content not expressly permitted by this Disclaimer requires the prior written permission of LVRG, LLC. To request permission, contact hello@sbaloansmichigan.com with a detailed description of your intended use.
Enforcement: Unauthorized use of Website content or intellectual property may result in:
Civil liability for copyright infringement (statutory damages up to $150,000 per work)
Civil liability for trademark infringement and dilution
Criminal prosecution under federal and state law
Injunctive relief and court orders
Recovery of attorneys' fees and costs
User-Generated Content and Submissions
If you submit, post, or transmit any content, materials, ideas, suggestions, feedback, or other information to LVRG, LLC through this Website, contact forms, email, or other means ("Submissions"), you grant LVRG, LLC a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, non-exclusive, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such Submissions for any purpose, including but not limited to improving our services, marketing materials, and Website content.
You represent and warrant that:
You own or control all rights to your Submissions
Your Submissions do not infringe or violate any third-party rights
Your Submissions are accurate and not misleading
Your Submissions do not violate any applicable law or regulation
You waive any moral rights or attribution rights in your Submissions to the extent permitted by applicable law.
Modifications and Updates
LVRG, LLC reserves the right to modify, update, revise, suspend, discontinue, or remove any aspect of this Website, including this Disclaimer, at any time and from time to time, with or without prior notice, for any reason or no reason, at our sole discretion.
Effect of Changes: Changes to this Disclaimer will be effective immediately upon posting to the Website with a new "Last Updated" date. Your continued access to or use of the Website following any changes constitutes your acceptance of and agreement to be bound by the modified Disclaimer.
Responsibility to Review: It is your responsibility to review this Disclaimer periodically for updates and changes. If you do not agree to any modification, you must immediately cease using this Website.
Material Changes: For material changes that significantly affect your rights or obligations, we may provide additional notice via email to the address you provided (if any) or through a prominent notice on the Website.
Website Changes: We may also change, suspend, or discontinue any aspect of the Website, including availability of features, functionality, content, or services, at any time without liability to you or any third party.
Indemnification and Hold Harmless
By using this Website and our services, you agree to indemnify, defend, and hold harmless LVRG, LLC, its members, managers, officers, employees, agents, contractors, affiliates, successors, and assigns (collectively, "Indemnified Parties") from and against any and all claims, demands, actions, liabilities, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys' fees, expert fees, and litigation costs) arising from or related to:
(a) Your use of or inability to use this Website or services;
(b) Your violation of this Disclaimer or any applicable federal, state, or local law, regulation, or ordinance;
(c) Your violation of any third-party rights, including intellectual property rights, privacy rights, or contractual rights;
(d) Any misrepresentation, inaccuracy, or omission in information you provide to LVRG, LLC, Partner Lenders, or any third party;
(e) Fraud, intentional misconduct, or illegal activity in connection with your use of this Website or loan applications;
(f) Your business decisions, operations, or financial outcomes, whether or not based on information from this Website;
(g) Disputes between you and any Partner Lender or other third party;
(h) Any breach of representations or warranties you make in this Disclaimer or any agreement with LVRG, LLC;
(i) Any claim by a third party that your Submissions or use of the Website caused them harm.
Defense Obligations: Your indemnification obligations include the duty to defend the Indemnified Parties against any such claims, even if the claims are groundless, false, or fraudulent. You will cooperate fully in the defense of any claim. LVRG, LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you will cooperate in asserting any available defenses.
Survival: This indemnification obligation will survive termination of your use of this Website and any services provided.
Force Majeure
LVRG, LLC shall not be liable for any delay, failure to perform, or interruption of service resulting directly or indirectly from causes beyond our reasonable control, including but not limited to:
Acts of God, natural disasters, earthquakes, floods, fires, hurricanes, tornadoes, severe weather
War, terrorism, civil unrest, riots, insurrection, or armed conflict
Government actions, orders, regulations, embargoes, sanctions, or shutdowns
SBA, USDA, or other government program suspensions, changes, or funding interruptions
Labor disputes, strikes, lockouts, or labor shortages
Pandemics, epidemics, public health emergencies, or quarantine restrictions
Lender policy changes, capacity constraints, or program suspensions
Internet service provider failures, telecommunications failures, or utility outages
Cyber attacks, hacking, denial of service attacks, or security breaches
Software failures, hardware malfunctions, or system crashes
Supply chain disruptions or material shortages
Financial market disruptions or credit market freezes
During a force majeure event, LVRG, LLC's obligations under this Disclaimer will be suspended for the duration of the event. We will make reasonable efforts to resume normal operations as soon as practicable.
Governing Law and Jurisdiction
This Disclaimer, your use of this Website, and any disputes arising out of or related to this Website or our services shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions.
Any legal action, proceeding, claim, or dispute arising out of or related to this Website, this Disclaimer, or our services shall be brought exclusively in the state or federal courts located in Oakland County, Michigan. You hereby irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection to jurisdiction or venue in such courts, including any objection based on improper venue or inconvenient forum.
Choice of Law: The substantive laws of Michigan shall apply, excluding:
Michigan's conflict of law rules
The United Nations Convention on Contracts for the International Sale of Goods
Any other laws that would result in the application of the laws of another jurisdiction
Jurisdiction and Venue: You agree that the state and federal courts in Oakland County, Michigan have exclusive jurisdiction over any disputes, and you submit to the personal jurisdiction of those courts.
Dispute Resolution and Arbitration
Binding Arbitration Agreement: Any dispute, claim, or controversy arising out of or relating to this Website, this Disclaimer, or our services (including the formation, interpretation, breach, termination, or validity thereof) shall be resolved through binding individual arbitration rather than in court, except that either party may bring an action in court to seek injunctive or equitable relief for the protection of intellectual property rights or confidential information.
Arbitration Rules: Arbitration shall be administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (if applicable), as modified by this Disclaimer. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879.
Arbitration Process:
Arbitration shall be conducted by a single neutral arbitrator
Arbitration shall take place in Oakland County, Michigan, unless the parties agree otherwise
The arbitrator shall apply Michigan substantive law
The arbitrator's decision shall be final and binding
The arbitrator may award any relief that would be available in court
The arbitration shall be confidential
Costs: Each party shall bear its own costs and attorneys' fees unless the arbitrator awards them to the prevailing party as permitted by law. The arbitrator's compensation and AAA administrative fees shall be allocated in accordance with AAA Rules.
Class Action Waiver: YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against LVRG, LLC.
Jury Trial Waiver: YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. Any disputes not subject to arbitration shall be decided by a judge sitting without a jury.
Opt-Out Right: You have the right to opt out of this arbitration provision within 30 days of first using this Website. To opt out, you must send written notice by email to hello@sbaloansmichigan.com with "ARBITRATION OPT-OUT" in the subject line. Your notice must include your name, address, phone number, and a clear statement that you wish to opt out of the arbitration provision. If you opt out, all other terms of this Disclaimer will continue to apply, but disputes will be resolved in court rather than through arbitration.
Exceptions to Arbitration: Notwithstanding the foregoing, either party may:
Seek injunctive or equitable relief in court to protect intellectual property rights or confidential information
Bring an action in small claims court if the claim qualifies
Report suspected fraud or illegal activity to appropriate government authorities
Severability of Arbitration Provision: If any portion of this arbitration provision is found to be invalid or unenforceable, the remainder shall continue in effect, except that if the class action waiver is found invalid or unenforceable, the entire arbitration provision shall be null and void.
Severability
If any provision of this Disclaimer is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction or arbitrator, such provision shall be modified and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions shall continue in full force and effect.
The invalidity, illegality, or unenforceability of any provision in one jurisdiction shall not affect the validity, legality, or enforceability of such provision in any other jurisdiction.
Waiver
No waiver by LVRG, LLC of any term or condition set forth in this Disclaimer shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by LVRG, LLC to assert a right or provision under this Disclaimer shall not constitute a waiver of such right or provision.
All waivers must be in writing and signed by an authorized representative of LVRG, LLC to be effective.
Entire Agreement
This Disclaimer, together with our Privacy Policy and any other legal notices or agreements published on this Website, constitutes the entire agreement between you and LVRG, LLC regarding use of this Website and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
Assignment
You may not assign, transfer, or delegate any of your rights or obligations under this Disclaimer without the prior written consent of LVRG, LLC. Any attempted assignment in violation of this provision shall be null and void.
LVRG, LLC may assign, transfer, or delegate any of its rights or obligations under this Disclaimer without restriction and without notice to you. This Disclaimer shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.
Survival
All provisions of this Disclaimer that by their nature should survive termination shall survive termination, including but not limited to: Limitation of Liability, Indemnification, Intellectual Property Rights, Governing Law, Arbitration, Disclaimer of Warranties, and any other provisions that by their terms are intended to survive.
Headings
The section headings in this Disclaimer are for convenience only and have no legal or contractual effect. They do not affect the interpretation of any provision of this Disclaimer.
Contact Information
For questions, concerns, or requests regarding this Disclaimer, our services, your data privacy rights, or any other matter, please contact:
LVRG, LLC
d/b/a LVRG Business Funding and SBA Loans Michigan
Email: hello@sbaloansmichigan.com
Phone: (855) 998-5874
Business Hours: Monday-Friday, 9:00 AM - 6:00 PM EST
Mailing Address:
LVRG, LLC
615 Griswold St., Suite 700
Detroit, MI 48226
Websites:
SBALoansMichigan.com
LVRGFunding.com
ACKNOWLEDGMENT AND ACCEPTANCE
BY ACCESSING, BROWSING, OR USING THIS WEBSITE IN ANY MANNER, INCLUDING BUT NOT LIMITED TO VIEWING CONTENT, SUBMITTING FORMS, UPLOADING DOCUMENTS, OR REQUESTING SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY ALL TERMS AND CONDITIONS OF THIS DISCLAIMER.
IF YOU DO NOT AGREE TO ALL TERMS OF THIS DISCLAIMER, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THIS WEBSITE AND MUST IMMEDIATELY CEASE ALL USE.
YOUR CONTINUED USE OF THIS WEBSITE FOLLOWING THE POSTING OF CHANGES TO THIS DISCLAIMER WILL CONSTITUTE YOUR ACCEPTANCE OF THOSE CHANGES.
Last Updated: October 25, 2025
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