Disclosures

Last updated: October 6, 2026

General

This website concerns potential business-purpose financing, including transactions that may be structured as purchases of future receivables. Any financing provider, Stelo's role, the purchased amount, remittance terms, and other material terms must be identified in the written transaction documents before signing. These products are not FDIC-insured deposit products.

The public contact form does not show an estimate or approve, score, or price a request. It tells a business based in a state Stelo does not serve, or operating for less than six months, that Stelo can't help with that request right now. A contact request is not an application, offer, commitment, approval, or guarantee. Any later review and written transaction documents are separate steps.

California

California's commercial financing disclosure law applies to sales-based financing, including merchant cash advances. Before presenting a covered offer to a California recipient, the responsible provider or broker must confirm its authority and provide the disclosures then required by applicable California law. A contact request is not that disclosure or an offer.

New York

New York's commercial financing disclosure law includes a sales-based financing regime. Before presenting a covered offer to a New York recipient, the responsible provider or broker must confirm registration and disclosure obligations, statutory coverage, and required offer formatting.

Virginia

Virginia requires registration and disclosures for certain sales-based financing providers and brokers. Those obligations must be confirmed and satisfied before a covered offer is presented or executed.

Other states

Where a state imposes registration, licensing, or disclosure requirements on sales-based financing, those requirements must be confirmed before any covered offer. Stelo will not represent that an offer is available in a jurisdiction unless the responsible party has confirmed the required authority and disclosures.

Privacy and data use

The public contact form does not request bank data or credentials. Bank data you provide in a later review, such as bank statements, is used to evaluate, prepare, service, secure, and monitor a commercial-financing relationship as described in our Privacy Policy. Data from business bank accounts you link through Stripe Financial Connections is used only to review your funding request and, on deals Stelo funds itself or co-funds, to monitor those accounts after funding until Stelo staff turn monitoring off (monitoring after funding is not switched on yet). It is never used to train models. We do not sell applicant data to lead brokers or third-party marketers. Current and planned automated processing is described in AI and Data Use.

This page is a summary for applicants and is subject to the full text of your agreement. Nothing on this page constitutes legal advice.