Terms and Conditions

Last updated: 30.4.2026

Welcome to Frank. These Terms and Conditions ("Terms") govern your access to and use of the website located at www.talktofrank.ai and any related services (together, the "Service").

By accessing the Service, submitting a quote request, or speaking with a Frank advisor, you agree to these Terms. If you do not agree, do not use the Service.

1. Who We Are and What We Do

Frank is a commercial loan brokerage and advisory service. We help American small businesses identify and apply for business financing from a panel of third-party banks and lenders ("Bank Panel"). We are not a bank. We do not lend money. We do not issue credit decisions. All loan decisions, terms, rates, and approvals are made by the third-party lender, not by Frank.

Frank's role is limited to:

• Gathering information from you to understand your financing needs.

• Presenting your application to one or more lenders on our Bank Panel.

• Communicating offers, terms, and decisions between you and lenders.

• Providing general guidance during the process.

Frank does not provide legal, tax, accounting, or investment advice.

2. Eligibility

To use the Service, you must:

• Be at least 18 years old.

• Be authorized to act on behalf of the business seeking financing.

• Operate a business based in the United States.

• Provide accurate and complete information.

The Service is intended for business purposes only. We do not arrange consumer loans.

3. How the Service Works

3.1 Quote Requests

When you submit a quote request, you authorize Frank to:

• Collect the information you provide.

• Contact you by phone, email, or text to discuss your needs.

• Share your information with lenders on our Bank Panel for the purpose of seeking financing offers.

3.2 No Guarantee of Approval or Specific Terms

Submitting a quote request does not guarantee that you will be approved for financing or receive any particular loan amount, rate, or term. All approvals and terms are determined by the lender based on the lender's criteria.

Statements such as "pre-approved in minutes," "bank rates," "$10K to $5M," and "terms in under 24 hours" describe the typical experience and product range available through our Bank Panel. They are not guarantees of approval, specific rates, or specific timelines for your business.

3.3 Credit Checks

Frank's initial review uses a soft credit inquiry, which does not affect your credit score. However, lenders on our Bank Panel may perform a hard credit inquiry as part of their underwriting process, which can affect your credit score. You consent to such inquiries when you proceed with a lender's application.

3.4 No Obligation

You are under no obligation to accept any loan offer presented through the Service. There is no fee to walk away from any offer.

4. Fees

Frank does not charge you a fee for using the Service. Frank is compensated by lenders on our Bank Panel when a loan closes. The amount of compensation Frank receives may vary by lender and product. Frank's compensation does not change the rate or terms you receive from the lender.

5. Your Information

5.1 Accuracy

You agree to provide information that is true, accurate, current, and complete. You are responsible for the accuracy of any documents or information you submit.

5.2 How We Use Your Information

Your use of the Service is also governed by our Privacy Policy [LINK]. By using the Service, you authorize Frank to share your information with lenders on our Bank Panel and with service providers acting on our behalf.

5.3 We Do Not Sell Your Data

Frank does not sell your personal or business information to third parties.

6. Communications

By submitting your contact information, you consent to receive communications from Frank and from lenders introduced through Frank, including by phone, SMS, and email. Standard message and data rates may apply. You can opt out of marketing communications at any time by email, but transactional communications related to an active application may continue.

7. Third-Party Lenders

Loans arranged through Frank are issued by third-party lenders. Frank is not responsible for:

• The terms, rates, fees, or conditions imposed by any lender.

• Any lender's decision to approve or decline your application.

• Any dispute between you and a lender after a loan is funded.

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You are responsible for reading and understanding any loan agreement before signing it.

8. Intellectual Property

All content on the Service, including text, graphics, logos, and software, is owned by Frank or its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from the Service without our prior written consent.

9. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose.

• Submit false, misleading, or fraudulent information.

• Attempt to access the Service through automated means without permission.

• Interfere with or disrupt the Service.

• Apply for financing on behalf of a business you are not authorized to represent.

10. Disclaimers

The Service is provided "as is" and "as available." To the maximum extent permitted by law, Frank disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Frank does not warrant that:

• The Service will be uninterrupted or error-free.

• Any specific lender, rate, or loan product will be available to you.

• The information provided through the Service is complete or up to date.

Loan rates, terms, and product availability change frequently and are set by lenders, not by Frank.

11. Limitation of Liability

To the maximum extent permitted by law, Frank and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, or lost data, arising out of or in connection with your use of the Service.

12. Indemnification

You agree to indemnify and hold harmless Frank and its affiliates from any claim, loss, or expense arising out of:

• Your breach of these Terms.

• Your submission of inaccurate or fraudulent information.

• Your use of any loan product obtained through the Service.

13. Governing Law and Dispute Resolution

14. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new "Last updated" date. Your continued use of the Service after changes are posted means you accept the updated Terms.

15. Contact

For questions about these Terms, contact us at:

loans@talktofrank.ai

Phone: 318 520 8749

Hours: Monday to Sunday, 8am to 10pm ET

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Frank regarding the Service and supersede any prior agreements.