Disclosure Statement

Effective Date: November 2025

This Disclosure Statement explains the business nature, scope, and regulatory standing of Swift Line Capital LLC (“Swift Line Capital,” “we,” “our,” or “us”).
By using our website, submitting an application, or engaging with our advisory services, you acknowledge that you have read and understood this disclosure in full.

1. Nature of Our Services

Swift Line Capital is a business funding advisory firm, not a direct lender or bank.
We operate as an independent intermediary that assists business owners in identifying and securing financing from third-party lending institutions.
Our services include:
• Reviewing business funding goals and financial data
• Preparing application materials for lender submission
• Matching clients with potential lenders based on fit and eligibility
• Providing general education about business finance and credit

Swift Line Capital does not issue credit, make lending decisions, or determine final loan approval. All credit decisions are made exclusively by the lending institutions in our network.

2. Non-Lender Status

Swift Line Capital does not fund loans, extend credit, or engage in consumer lending.
All financing offered through our platform originates from independent third-party lenders, banks, or financing companies that maintain their own underwriting guidelines and compliance obligations.

We do not hold or service any loan accounts, nor do we collect or receive customer loan payments.

3. Relationship With Lenders

Swift Line Capital maintains professional relationships with a network of approved business funding providers, including banks, private lenders, SBA program facilitators, and asset-based financing institutions.
When you submit an application, your information may be shared with one or more of these partners for evaluation and funding consideration.

Each lender is solely responsible for:
• Assessing creditworthiness
• Setting rates, terms, and fees
• Making all final loan or credit decisions

We may receive compensation or referral fees from certain lenders or partners upon successful funding.
This does not affect the terms or conditions you receive as an applicant, and no additional costs are passed on to you as a result.

4. Compensation and Fees

In most cases, Swift Line Capital is compensated directly by lenders for facilitating the introduction of qualified applicants.
In limited cases, consulting or advisory fees may be charged directly to clients for specialized services (e.g., business credit development, document preparation, or underwriting consulting).

All such fees are disclosed in writing prior to engagement and are never collected in advance of any funding approval.
Swift Line Capital does not charge application fees, origination fees, or broker commissions without prior written agreement.

5. Use of Information

By submitting an application or inquiry through our website, you authorize Swift Line Capital and its funding partners to review your information for the purpose of evaluating potential financing options.
This may include reviewing:
• Business financial statements
• Bank records and deposits
• Public records related to business credit or UCC filings

All information is handled in accordance with our Privacy Policy and applicable federal data-protection laws.

6. No Guarantee of Approval

Submitting an application or receiving a prequalification notice does not guarantee funding.
Final approval, terms, and funding amounts are determined solely by the lender based on independent credit and underwriting review.
Swift Line Capital does not control lender approval processes and cannot guarantee or promise specific results.

7. No Legal, Tax, or Investment Advice

Swift Line Capital and its representatives do not provide legal, tax, accounting, or investment advice.
All materials and communications are intended for informational purposes only.
Clients are encouraged to consult with their certified public accountant (CPA), attorney, or licensed financial advisor before entering into any funding agreement or tax-related decision.

8. Regulatory Compliance

Swift Line Capital operates in compliance with all applicable federal and state laws governing commercial finance, data protection, and business services.
We do not engage in consumer lending and are therefore not regulated under the Truth in Lending Act (TILA) or the Fair Credit Reporting Act (FCRA) as a lender.

All third-party lenders we work with are expected to maintain appropriate licenses and follow all relevant federal and state regulations.

9. Borrower Responsibility

As the applicant, you are responsible for reviewing all loan terms, interest rates, and repayment obligations before signing any agreement.
You should carefully read all contracts, disclosures, and documents provided by the lender to ensure full understanding of financial commitments.
Swift Line Capital assumes no liability for any misunderstanding, omission, or misrepresentation between borrower and lender.

10. Limitation of Liability

To the fullest extent permitted by law, Swift Line Capital disclaims all liability for losses, damages, or disputes arising from transactions conducted between applicants and third-party lenders.
Our role is advisory and facilitative; we are not a party to the final lending agreement.

Your engagement with Swift Line Capital indicates acknowledgment and acceptance of this limitation.

11. Updates to This Disclosure

Swift Line Capital reserves the right to amend or update this Disclosure Statement at any time.
All updates will be posted on this page with a revised effective date.
We encourage visitors to review this page periodically for the latest version.

12. Contact Information

If you have questions about this Disclosure Statement or our business model, please contact:

Swift Line Capital
Email: compliance@swiftlinecapital.com
Phone: (800) 555-0199
Mail: 123 Business Center Drive, Suite 200, Tampa, FL 33602