TERMS & SMS TERMS
Effective Date: October 8, 2026
1. ABOUT MINNOW LOAN
These Terms & SMS Terms (“Terms”) govern your use of MinnowLoan.com, the forms and services offered through the site, and any text-message communications from Minnow Loan, LLC (“Minnow Loan,” “we,” “us,” or “our”). Minnow Loan provides private real-estate financing information and related services. By using this website or submitting information to Minnow Loan, you agree to these Terms.
2. WEBSITE INFORMATION; NO COMMITMENT TO LEND
Website materials are provided for general informational purposes only. Nothing on this website is an offer, promise, commitment, or guarantee to lend. Loan availability, rates, points, fees, repayment terms, underwriting standards, required documentation, and funding decisions are determined by Minnow Loan in its discretion and may be subject to change. A financing request is not approved unless Minnow Loan provides written approval and the parties complete the applicable transaction documents.
3. YOUR USE OF THE WEBSITE
You agree to provide information that is accurate, current, and complete when you contact Minnow Loan, request information, or submit an inquiry. You may use this website only for lawful purposes. You may not interfere with site operations, attempt to access systems or information without authorization, introduce malicious code, impersonate another person, or use the website in a manner that violates applicable law or another person’s rights.
4. INQUIRIES AND APPLICATION INFORMATION
Submitting an inquiry or application does not create a borrower-lender relationship, obligate Minnow Loan to provide financing, or guarantee that a transaction will proceed. Minnow Loan may request additional information or documents, including property details, entity information, purchase contracts, scope of work, photos, borrower authorization, and other materials as appropriate to evaluate a request. Do not send Social Security numbers, bank credentials, or other highly sensitive personal information through an ordinary public web form unless Minnow Loan specifically provides a secure method for doing so.
5. PRIVACY
Minnow Loan’s collection, use, and protection of information are described in our Privacy Policy, available at https://minnowloan.com/privacy-policy. By using this website or submitting information, you acknowledge that you have had an opportunity to review the Privacy Policy.
6. OPTIONAL TEXT-MESSAGE PROGRAM
Minnow Loan may send text messages only to people who separately and affirmatively opt in through an unchecked consent choice or another permitted method of consent. Text-message consent is not a condition of submitting an inquiry, applying for financing, or receiving services.
If you opt in to non-marketing messages, Minnow Loan may send service-related messages about your loan inquiry, application, underwriting, closing, appointment, requested service updates, or other transaction-related communications.
If you separately opt in to marketing messages, Minnow Loan may send promotional messages about loan products, financing opportunities, educational content, company news, special offers, or other marketing communications. You may agree to one message category, both categories, or neither.
7. MESSAGE FREQUENCY AND CHARGES
Message frequency varies based on your inquiry, transaction, preferences, and communications with Minnow Loan. Message and data rates may apply for messages sent to you from us and from you to us. Check your wireless plan for details. Your wireless carrier may charge you for text messages or data use.
8. OPT-OUT AND HELP
You may cancel the SMS service at any time by replying STOP to any Minnow Loan text message. After you send STOP, Minnow Loan will send one confirmation message and you will no longer receive text messages from that program unless you later opt in again.
For help, reply HELP to a Minnow Loan text message, email info@minnowloan.com, or call 573.279.4355. Carriers are not liable for delayed or undelivered messages.
9. CONSENT RECORDS
Minnow Loan may retain records of your consent, including the date, time, source, and language of the consent, as well as the telephone number provided, to administer communications and demonstrate compliance with applicable requirements.
10. INTELLECTUAL PROPERTY
The website’s content, design, text, graphics, logos, and other materials are owned by or licensed to Minnow Loan and are protected by applicable intellectual-property laws. You may view and use the site for personal or internal business purposes related to evaluating Minnow Loan’s services. You may not reproduce, modify, distribute, or exploit website materials without Minnow Loan’s prior written permission.
11. THIRD-PARTY SERVICES AND LINKS
This website may contain links to third-party sites or services, including service providers used to support inquiries, forms, document handling, or communications. Minnow Loan does not control and is not responsible for third-party content, privacy practices, availability, or security. Your use of third-party services is governed by their own terms and policies.
12. DISCLAIMER OF WARRANTIES
TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. MINNOW LOAN DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.
13. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, MINNOW LOAN WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE, YOUR INABILITY TO USE THE WEBSITE, OR RELIANCE ON WEBSITE CONTENT.
14. CHANGES TO THESE TERMS
Minnow Loan may revise these Terms from time to time. The most current version will be posted on this page with an updated effective date. Your continued use of the website after an update becomes effective constitutes acceptance of the revised Terms to the extent permitted by law.
15. CONTACT US
Questions about these Terms or the SMS program may be sent to Minnow Loan, LLC at info@minnowloan.com or 573.279.4355.
Minnow Loan, LLC
500 E Broadway
Columbia, MO 65201
16. AGE RESTRICTION (18+)
You must be at least 18 years old to use this website or consent to receive text messages from Minnow Loan.
Paragraph
