The name says it plainly: Future Holdings exists to fund what your business is building toward, and we do it as a direct lender putting our own capital behind established U.S. companies. These Terms of Service (the “Terms”) govern your access to and use of the website located at futureholdingsgroup.net (the “Site”) and the services, tools, content, and application processes we make available (collectively, the “Services”), which are provided by Future Holdings Group LLC (“Future Holdings,” the “Company,” “we,” “us,” or “our”).
By accessing or using the Site or Services, submitting an application or inquiry, or otherwise interacting with us, you (“you,” the “User,” or the “Applicant”) acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, do not access or use the Site or Services.
In these Terms: “Application” means any financing inquiry or application you submit through the Site; “Services” includes the Site, the application process, and all related communications and tools; and “User” means any person or entity that accesses or uses the Site or Services.
To use the Site or Services, you represent and warrant that you are at least 18 years of age, are located in the United States, and are accessing the Services on behalf of a business or commercial entity. If you submit an Application on behalf of a business, you further represent and warrant that you are an authorized representative of that business with the authority to bind it to these Terms and to any financing agreement that may result.
You agree that all information you provide to us is, and will remain, accurate, complete, and current, and you agree to promptly update any information that changes.
Future Holdings supplies established U.S. businesses with commercial financing products - lines of credit, equipment financing, term loans, factoring, and SBA-backed options - plus the supporting services that carry each one through. All financing products and Services are offered strictly for business and commercial purposes only and do not constitute consumer credit. We do not offer consumer loans, personal loans, residential mortgages, home-equity products, personal auto loans, student loans, personal credit cards, or any other form of consumer credit.
Future Holdings is not a bank or depository institution, does not accept deposits, and our financing products are not FDIC- or NCUA-insured. These Terms do not constitute an offer or commitment to lend, invest, or provide any specific financial product.
Submitting an application or inquiry through the Site does not guarantee approval of financing. All applications are subject to our underwriting criteria and to verification and credit approval. Amounts, rates, fees, and terms vary based on creditworthiness, business history, industry, time in business, and other underwriting factors. Not all applicants will qualify. We reserve the right to approve, decline, or modify any application at our sole discretion. Pre-qualified amounts are not commitments to lend.
Future Holdings is a direct lender. We underwrite, approve, and fund business financing from our own balance sheet, and the decision to approve, decline, or modify any application is made in-house by Future Holdings Group LLC, not by a third party. Future Holdings is not a bank or depository institution and does not accept deposits; our financing products are not FDIC- or NCUA-insured. Financing products are intended for business and commercial purposes only and are underwritten and serviced in accordance with applicable federal and state regulations.
Any fees, interest, charges, payment amounts, and payment schedules applicable to a financing product are set forth in the individual financing agreement and related documents you review and sign, and not in these Terms. You agree to pay all amounts owed under any financing agreement in accordance with its terms.
In the event of late or missed payments, we may exercise the remedies available to us under the applicable financing agreement and applicable law, which may include assessing late fees, reporting the delinquency to consumer or commercial credit bureaus, referring the account to collections, and pursuing any other remedy permitted by law.
Future Holdings earns the interest and fees on the financing we make. We are not paid a referral fee or commission by a third party for the financing we extend. The all-in cost of the financing is disclosed in the offer letter and loan documents you review and sign.
These Terms govern your use of the Site and Services. They do not govern the terms of any financing. If you are approved for and accept financing, the signed financing agreement and related loan documents — not these Terms — will govern the financing relationship between you and Future Holdings. In the event of any conflict between these Terms and a signed financing agreement with respect to the financing, the signed financing agreement controls.
You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You agree not to:
We reserve the right to investigate and take appropriate action against anyone who violates this provision, including reporting violations to law-enforcement authorities.
All content on the Site — including text, graphics, logos, images, page layouts, design, and software — is the property of Future Holdings Group LLC or its licensors and is protected by United States and international intellectual property laws. The “Future Holdings” name, logo, and all related names, logos, and marks are trademarks of Future Holdings Group LLC.
You may view and print content from the Site for your own personal, non-commercial use only. You may not otherwise reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the Site without our prior written permission.
Your use of the Site and Services is also governed by our Privacy Policy, which describes how we collect, use, share, and protect information, including in connection with our text-messaging program (see Text Messages, Phone Calls & Consent). The Privacy Policy is incorporated into these Terms by reference. By using the Site or Services, you acknowledge and agree to the practices described in the Privacy Policy.
Each party may have access to non-public, confidential, or proprietary information of the other party in connection with the Services. Each party agrees to keep the other party’s confidential information confidential, to use it only as necessary to perform under these Terms or a financing relationship, and not to disclose it to third parties except as required by law or as otherwise permitted. This obligation of confidentiality is mutual and survives the termination of these Terms and of any financing relationship.
By using the Site or Services, you consent to receiving electronic communications from us, including emails, text messages, and notices posted on the Site. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing. You may withdraw this consent by contacting us, though doing so may limit your ability to use certain Services.
Program name and sender identity. Future Holdings offers an SMS messaging program (Future Holdings SMS) exclusively to business owners who have explicitly opted in by submitting our online application form and checking the SMS consent checkbox. All messages sent under this program are identified as being from Future Holdings.
Program purpose and message types. Future Holdings sends SMS messages related to your loan inquiry and application, including follow-up on submitted financing inquiries, application status updates, document/signing reminders, scheduling, direct one-to-one conversations with the team handling your file, and marketing and promotional messages about available business financing.
Frequency. Message frequency varies based on the stage of your application.
Cost. Msg & data rates may apply. SMS messages sent by Future Holdings are free; carrier message and data rates set by your mobile provider may apply.
Opt-out. Reply STOP to any message to opt out at any time. You will receive one confirmation message and no further messages from that program will be sent.
Help and support. Reply HELP for assistance, or contact us at info@futureholdingsgroup.net or (502) 738-6397.
Supported carriers. Supported on all major US carriers: AT&T, T-Mobile, Verizon, US Cellular, and others. Carrier support is not a guarantee of message delivery.
Eligibility. You must be 18 or older and the authorized account holder of the mobile number you enroll.
Consent. By providing your mobile number and checking the SMS consent box on our application form, you consent to receive SMS messages from Future Holdings as described above. Consent to receive SMS is not a condition of purchase or of receiving financing or services, and your application will not be denied based on whether you opt in to SMS.
Privacy / Third-Party Sharing. Mobile information and opt-in data will not be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent will not be shared with any third parties. See our Privacy Policy, including the section titled “Text Messages, Phone Calls & Consent,” for the full description of how we handle mobile data. You can also review our Disclosures and SMS Terms.
The Site and Services are provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, Future Holdings disclaims all warranties, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.
We do not guarantee that any financing will be approved. Future Holdings is not a bank. Nothing on the Site constitutes legal, tax, investment, or financial advice, and you should consult your own qualified advisors before entering into any financing arrangement.
To the maximum extent permitted by law, Future Holdings and its officers, directors, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your use of the Site or Services. Our total aggregate liability for any claim arising out of or relating to these Terms, the Site, or the Services will not exceed the greater of (a) the total amount you paid to us in the twelve (12) months preceding the event giving rise to the claim, or (b) US $100.00.
You agree to indemnify, defend, and hold harmless Future Holdings Group LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to your use of the Site or Services, your violation of these Terms, your violation of any applicable law, or your infringement of any rights of any third party.
The Site may contain links to third-party websites, resources, or services that are not owned or controlled by Future Holdings. We provide these links for convenience only, and their inclusion does not imply endorsement. We are not responsible for the content, products, services, privacy practices, or availability of any third-party website or service, and you access them at your own risk.
We may suspend or terminate your access to the Site or Services at any time, with or without cause and with or without notice, at our sole discretion. Upon termination, your right to use the Site and Services will immediately cease. The provisions of these Terms that by their nature should survive termination — including provisions regarding intellectual property ownership, disclaimers, indemnification, limitation of liability, confidentiality, and dispute resolution — will survive.
Governing law. These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles.
Informal resolution. Before initiating any formal proceeding, the parties agree to first attempt to resolve any dispute through good-faith negotiation. If the dispute is not resolved within thirty (30) days, either party may proceed as set forth below.
Binding arbitration. Any dispute not resolved informally will be resolved by final and binding individual arbitration administered by JAMS (JAMS under its Streamlined Arbitration Rules, or AAA under its Commercial Arbitration Rules by agreement of the parties). The seat of arbitration is Kent County, Delaware.
Class action waiver. You and Future Holdings agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, mass, private-attorney-general, or representative proceeding.
Carve-outs. Either party may bring an individual action in small-claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information.
30-day opt-out. You may opt out of this arbitration agreement by sending written notice to info@futureholdingsgroup.net within thirty (30) days of first accepting these Terms. If you opt out, disputes will be resolved in the courts of Delaware.
Future Holdings will not be liable or responsible for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, labor disputes, governmental action, power or telecommunications failures, or failures of third-party service providers.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, it will be severed, and the remaining provisions of these Terms will continue in full force and effect.
We may update or modify these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. Any changes are effective when posted to the Site. Your continued use of the Site or Services after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
These Terms, together with our Privacy Policy and any individual financing agreements you enter into with us, constitute the entire agreement between you and Future Holdings with respect to your use of the Site and Services, and supersede all prior or contemporaneous understandings and agreements, whether written or oral, on that subject.
If you have questions about these Terms, please contact us:
800 North State Street, Suite 304, Dover, DE 19901
Web: https://futureholdingsgroup.net
Email: info@futureholdingsgroup.net
Phone: (502) 738-6397