About BAM Funding Solutions
BAM Funding Solutions ("BAMFS") is a financing marketplace that connects business owners with lending partners. BAMFS is not a bank or a lender. Funding decisions, rates, fees, and terms are made by the lending partner.
Products Offered
- Term Loans: Fixed-rate installment loans with monthly payments over a set term.
- Line of Credit (LOC): Revolving credit; interest accrues only on the outstanding balance.
- Merchant Cash Advance (MCA): Purchase of future receivables, priced as a factor rate (not an APR). MCAs are not loans.
Rate & Term Disclosures
All rates, fees, and terms are subject to credit approval, lender underwriting, and verification of business information. The estimates provided by our calculator are for illustration only and are not an offer or commitment to lend.
Personal Guarantees
Most financing products require a personal guarantee from the business owner.
Credit Inquiries
Pre-qualification typically uses a soft credit inquiry that does not affect your credit score. A hard inquiry may be required to finalize an offer with a lender.
Fees
BAMFS does not charge upfront fees to apply. Lending partners may charge origination, servicing, or other fees, which will be disclosed in your offer documents before you accept.
Equal Credit Opportunity
BAMFS and its lending partners comply with the Equal Credit Opportunity Act. Credit decisions are not based on race, color, religion, national origin, sex, marital status, age, or any other prohibited basis.
Contact
Questions about disclosures? Contact us or email compliance@bamfs.com.