How It Works

At AVO Financing, we’re experts in the lending marketplace, here to assist you in maximizing the value of your credit to reach your financing goals. We process thousands of applications a month, so we know who’s lending, what kind of terms and rates they’re providing, and what types of borrowers they prefer.

We work for you, not lenders. We aren’t compensated by lenders to get you into loan terms that are good for lenders; we match you with lenders in the marketplace that are good for you and your unique goals.

Our Process

• We do a soft pull on your credit report, with no impact to your credit score, and provide you with an estimate of the amount of funding you pre-qualify for
• Once you agree to move forward and complete the funding agreement, we will speak with you about the process and gather the necessary documentation
• We then go to different lenders and gather pre-approved rates/terms from each lender, then discuss your options with you and identify the financing strategy that’s most likely to get you to your goal
• Once you approve the financing strategy, we match you with lenders and apply for financing on your behalf
• After we receive approvals from lenders, the lender will directly deposit funds in your bank account
• As funding is received from each lender, we invoice you for the financed funds received
• Once everything is completed, we provide you with your lender login information so you can access and manage your account(s) with the lenders

Terms and Conditions

1. General Principles:

By submitting the form, you (“the Borrower”) agree that you have authorized AVO Financing and our processing partner (“the Company”) to do a soft pull on your credit report for the purpose of providing you and/or your business with a free estimate for financing you may qualify for. By submitting this form, you agree to these terms of use; if you do not agree to these terms of use, do not submit the form. The Company reserves the right, at its sole discretion, to change, modify, and/or remove portions of these Terms and Conditions at any time. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

The Company agrees to use its current marketplace knowledge to assist Borrowers in finding different financing options for the Borrower’s particular situation. The Company’s services are consultative and administrative only. The Company does not endorse or recommend any particular Lender’s product(s). The Company is not affiliated with any Lenders and does not receive any compensation from Lenders; the Company only receives compensation from the Borrower. The Company is not an agent of the Borrower or any Lender. Company does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any participating Lender; loan approval standards are established and maintained solely by individual Lender(s). The Borrower acknowledges that the Lender, and not the Company, is solely responsible for its services, and agrees that the Company shall not be liable for any damages or costs arising from the use of such services. The Company is not a Lender and does not provide loans, or make credit decisions in connection with loans. Borrower acknowledges that the estimate is not a guarantee of financing, and that the final amount of funding will not be confirmed until all loan applications have been processed by the Lender(s). The Borrower understands that the free estimate is based on a credit soft pull and that no hard pull inquiries will be performed until the Borrower enters a contractual agreement with the Company for the services it provides.

2. Compensation for Services:

The Borrower acknowledges that the consulting fee for the Company’s services is offered on a contingency basis, with no fee due unless funding is accepted. Once funding is approved by the Borrower, the Borrower agrees to pay the Company a consulting fee equal to 15% of the total funded loan amount. Failure to make payment within the specified timeframe may result in the shutdown of loans/credit lines, and may be sent to collections, with the entire balance being due along with appropriate collection fees.

3. Disclosures:

• The Company cannot guarantee approval for any specific financing amount, and the consulting fee is only due on the approved amount, not the quoted amount.
• Installment loans usually do not exceed $100,000, and lines of credit/credit cards usually do not exceed $50,000.
• During the funding process, multiple credit applications may be submitted, resulting in new inquiries on the Borrower’s credit report(s).
• Interest rates for loans and lines of credit range from 4.5% to 23.5%, but the actual rate may vary.
• The consulting fee is not contingent on your subsequent acceptance, need or lack thereof for the financing and, as such, you may not cancel, withdraw intentionally, or fail to follow through on a credit application to any Lender, including those with which you already have an existing relationship.
• Borrower agrees and understands that the Company is not responsible or liable for any credit line limits that are suspended, closed, or reduced from the initial funding amount, as these actions are taken by Lender(s) at their discretion.
• The Borrower confirms that provided information is truthful and correct, and any changes must be notified to the Company.
• Borrower acknowledges consultation with legal counsel regarding the terms of this agreement, or waives the right to seek such counsel.

4. Privacy Policy:

Your privacy is important to us. By submitting the form, you agree to the Company’s privacy policy. The Company may collect, use, and disclose personal information provided by the Borrower for the purpose of estimating financing options. The Borrower’s information may be shared with third-party service providers involved in the financing estimating process, including our processing partners. The Borrower’s funding estimate may be shared with Flippa for the purpose of enhancing the Borrower’s user experience on Flippa. The Company does NOT share the Borrower’s information with other third parties for purposes unrelated to assisting the Borrower in securing financing, unless explicitly required to do so by law. The Company takes all reasonable measures to protect the confidentiality and security of the Borrower’s information. The Borrower may contact the Company to update or correct their personal information at any time. The Company may use cookies or similar technologies on its website, and other web assets, for tracking and analytics purposes.