Terms of Service
Last updated: February 12, 2026
1. Agreement to Terms
By accessing or using the 3A Lending LLC ("3A Lending") website at 3alending.com, including our AI chat assistant and any related services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Description of Services
3A Lending is a commercial loan brokerage that connects businesses with SBA-approved lenders, Certified Development Companies (CDCs), and conventional financing sources. We are not a direct lender. Our services include loan pre-qualification, lender matching, application assistance, and educational resources about SBA and commercial financing options.
3. No Guarantee of Approval
Pre-qualification through 3A Lending does not guarantee loan approval. All loan approvals are subject to the underwriting criteria of our lending partners. Interest rates, terms, and conditions may vary based on your creditworthiness, business financials, and the specific lender's requirements. Rates and terms referenced on our website are approximate and subject to change without notice.
4. AI Chat Assistant
Our website features an AI-powered chat assistant designed to provide general information about SBA loans and commercial financing. The AI assistant provides educational guidance only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals (CPA, attorney, financial advisor) before making financing decisions.
5. Accuracy of Information
You agree to provide accurate and complete information when submitting any forms, applications, or communications through our website. Providing false or misleading information may result in the denial of your application and termination of our services.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of 3A Lending LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
7. Limitation of Liability
To the fullest extent permitted by law, 3A Lending LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim arising from these Terms shall not exceed the fees paid by you to 3A Lending, if any, in the twelve months preceding the claim.
8. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access third-party links at your own risk.
9. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts of Allen County, Indiana.
10. Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms.
11. Contact Us
If you have any questions about these Terms of Service, please contact us: