Terms of Service

Last updated: September 20, 2026

These Terms of Service ("Terms") govern your access to and use of the website located at ocgfunding.com and any related services offered by OCG Funding ("OCG Funding," "we," "us," or "our"). By accessing the site or submitting an application, you agree to these Terms.

1. Acceptance of Terms

By accessing, browsing, or otherwise using this website or our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, you may not access or use the site or our services.

2. Nature of Our Services

OCG Funding is a direct funder and a commercial financing broker. Depending on your business's needs, we may fund a transaction ourselves, or we may present your application to third-party funding partners and help you compare the offers those partners extend. Financing provided by OCG Funding is governed by our funding agreement with you; financing provided by a third party is governed by that party's own agreement.

Through our funding partner network, we provide access to business financing options including merchant cash advances, revenue-based financing, lines of credit, equipment financing, asset-based financing, debt consolidation, and invoice financing.

Nothing on this site constitutes an offer, commitment, or guarantee of financing. All financing is subject to underwriting review, approval, and execution of definitive agreements.

3. Eligibility

Our services are available only to businesses and to individuals who are at least 18 years old and authorized to act on behalf of the business. By applying, you represent that you have authority to bind the business and to provide the information submitted.

4. Business Purpose Only

All financing arranged or offered through OCG Funding is for commercial and business purposes only. It is not for personal, family, or household use, and is not a consumer loan. You agree to use any funds received solely for business purposes.

5. Merchant Cash Advances Are Not Loans

A merchant cash advance is a purchase of a specified amount of your business's future receivables at a discount. It is not a loan, and the amounts described are not interest. Amounts remitted vary with your receipts. You should review any funding agreement carefully and consult your own advisors before signing.

6. Rates, Terms, and Disclosures

Any rates, factor rates, amounts, term lengths, approval percentages, or timeframes shown on this site are illustrative examples only. Actual terms depend on underwriting and vary by business. No rate or term is available until we have reviewed your documentation and you receive a written offer.

Where required by applicable state commercial financing disclosure law, including in New York, California, Utah, Virginia, and other jurisdictions, you will receive the mandated written disclosures before you are asked to sign a financing agreement.

7. Application, Authorization, and Accuracy

By submitting an application you:

• Certify that all information provided is true, accurate, and complete
• Authorize us and our funding partners to verify the information, obtain business and consumer credit reports, and contact your references, bank, or processor
• Authorize us to share your information with prospective funding partners
• Understand that submitting an application does not create any obligation on either party

8. Fees

It is free to apply. Where a transaction is completed through a third-party funding partner, OCG Funding is compensated by that partner. Where OCG Funding funds a transaction directly, all costs and fees are disclosed in your funding agreement before you sign.

9. Third-Party Funders

Where financing is provided by a third party, that funder's agreement governs the transaction. OCG Funding is not a party to that agreement and is not responsible for the funder's acts, omissions, terms, servicing, or collection practices. You are responsible for reviewing and understanding any agreement before signing.

10. Communications

By providing contact information, you consent to receive communications from us and our funding partners by phone, text, and email, including autodialed or prerecorded calls and messages, regarding your application and our services. Consent is not a condition of obtaining financing. Message frequency varies. Standard message and data rates may apply. Reply STOP to opt out, or HELP for assistance. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

Opt-out. You may opt out of promotional communications at any time by replying STOP to any text message, following the unsubscribe instructions in any email, or contacting us using the details at the end of these Terms. Please note that you may continue to receive essential service-related communications concerning an active application or transaction, as these are necessary to provide the services you requested.

11. Acceptable Use

You agree not to: submit false or fraudulent information; use the site for any unlawful purpose; attempt to gain unauthorized access to our systems; scrape, copy, or reproduce site content without permission; or interfere with the operation of the site.

12. Intellectual Property

All content on this site, including text, graphics, logos, and design, is owned by OCG Funding or its licensors and is protected by intellectual property laws. You may not reproduce or distribute it without our prior written consent.

13. No Professional Advice

Information on this site is provided for general informational purposes only and does not constitute legal, tax, accounting, or financial advice. You should consult your own qualified professionals before entering into any financing arrangement.

14. Disclaimer of Warranties

The site and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or secure.

15. Limitation of Liability

To the maximum extent permitted by law, OCG Funding and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or business opportunities, arising out of or relating to your use of the site or services, regardless of the theory of liability. Our aggregate liability arising out of or relating to your use of the site or services shall not exceed the greater of (a) one thousand dollars ($1,000) or (b) the total compensation actually received by OCG Funding in connection with the transaction giving rise to the claim. Nothing in this section limits liability for fraud, gross negligence, or willful misconduct, or for any liability that cannot be limited under applicable law.

16. Indemnification

You agree to indemnify, defend, and hold harmless OCG Funding and its affiliates from any claims, damages, losses, liabilities, and expenses, including reasonable attorneys' fees, arising from your use of the site, your breach of these Terms, or information you submit.

17. Dispute Resolution and Arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to participate in a class action.

17.1 Informal Resolution. Before initiating arbitration, the parties agree to attempt to resolve any dispute informally. You agree to send written notice describing the dispute and the relief sought to OCG Funding at the address listed in these Terms, and we will do the same for any claim we bring. The parties will attempt in good faith to resolve the matter within sixty (60) days of that notice.

17.2 Agreement to Arbitrate. If the dispute is not resolved informally, any dispute, claim, or controversy arising out of or relating to these Terms, the site, or our services, including questions of their formation, interpretation, breach, or enforceability, shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, rather than in court. This agreement to arbitrate is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

17.3 Exceptions. Notwithstanding the above, either party may (a) bring an individual claim in small claims court if it qualifies, and (b) seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights or confidential information.

17.4 Class Action Waiver. All claims must be brought in the party's individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class action waiver is found unenforceable as to a particular claim, that claim shall be severed and litigated in court, while all remaining claims proceed in arbitration.

17.5 Location and Procedure. Arbitration shall be conducted by a single arbitrator. Unless the parties agree otherwise, the arbitration shall take place in New York County, New York, or, at your election, may be conducted by telephone, video conference, or on the basis of written submissions where the AAA Rules permit. The arbitrator's award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

17.6 Arbitration Costs. Payment of filing, administration, and arbitrator fees shall be governed by the applicable AAA Rules. Each party shall bear its own attorneys' fees and costs unless applicable law or the arbitrator's award provides otherwise.

17.7 Right to Opt Out. You may opt out of this arbitration agreement by sending written notice to OCG Funding at the address listed in these Terms within thirty (30) days of first accepting these Terms. Your notice must include your name, business name, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms or your ability to use our services.

17.8 Severability and Survival. If any portion of this Section 17 other than the class action waiver is found unenforceable, that portion shall be severed and the remainder shall continue in effect. This Section survives termination of your relationship with OCG Funding.

18. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Subject to Section 17, you agree to the exclusive jurisdiction of the state and federal courts located in New York County, New York.

19. Changes to These Terms

We may modify these Terms at any time. The updated version will be posted with a revised effective date. Continued use of the site after changes constitutes acceptance.

20. Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

21. Contact

OCG Funding
1178 Broadway
New York, NY 10001
Email: info@ocgfunding.com
Phone: (646) 564-8995