Last Updated: March 19, 2026
These Terms and Conditions ("Terms") govern your use of the Union Consulting NYC LLC website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
Union Consulting NYC LLC ("Union," "we," "us," or "our") provides business lending services to qualified businesses. Our services include but are not limited to:
All lending services are subject to credit approval and eligibility requirements. We reserve the right to deny any application at our sole discretion.
By submitting a loan application, you represent and warrant that:
We will review your application and may request additional information or documentation. Application decisions are made at our sole discretion and are based on creditworthiness, business viability, and other factors. We aim to provide decisions within 24-48 hours but cannot guarantee specific timeframes.
If your application is approved, we will provide you with a loan agreement outlining the specific terms, rates, fees, and repayment schedule. You must review and sign the agreement before funding can be disbursed. Funding timelines vary based on the loan type and required documentation.
By providing your mobile phone number and opting in to receive SMS messages, you agree to receive text messages from Union Consulting NYC LLC via an automatic telephone dialing system (ATDS).
When you provide your phone number and check the SMS consent box on our contact form, you are expressly consenting to receive:
Message frequency may vary depending on your application status and the types of communications you've opted into. You may receive up to 10 messages per month. Message and data rates may apply based on your mobile carrier's plan. Union Consulting NYC LLC does not charge for SMS messages, but your carrier's standard rates apply.
You may opt out of SMS messages at any time by:
After opting out, you will receive one final confirmation message. You may continue to receive SMS messages briefly while your opt-out request is being processed.
For help with SMS messages, reply HELP to any message or contact us at shalom@union-consulting-nyc.com.
Consent to receive SMS messages is NOT a condition of purchase or obtaining any services from Union Consulting NYC LLC. You may apply for and receive funding without opting into SMS communications.
Supported carriers include AT&T, T-Mobile, Verizon, Sprint, and most major U.S. wireless carriers. We are not liable for messages that are delayed or undelivered due to carrier network issues.
You agree to repay all borrowed amounts according to the terms specified in your loan agreement. This includes principal, interest, and any applicable fees. Late or missed payments may result in additional fees, penalties, and negative credit reporting.
Failure to make timely payments or violation of loan agreement terms constitutes default. In the event of default, we reserve the right to:
Unless otherwise specified in your loan agreement, you may prepay your loan in full or in part at any time without penalty.
You may use our website for lawful purposes related to learning about and applying for our services. You agree not to:
All content on this website, including text, graphics, logos, and software, is the property of Union Consulting NYC LLC or its licensors and is protected by copyright and trademark laws. You may not use any content without our express written permission.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
Your use of the website and services is at your own risk.
To the fullest extent permitted by law, Union Consulting NYC LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
In no event shall our total liability exceed the amount you paid to us in the six months preceding the claim.
You agree to indemnify, defend, and hold harmless Union Consulting NYC LLC and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:
Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk and subject to their terms and privacy policies.
These Terms are governed by the laws of the State of New York, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in Brooklyn, New York, in accordance with the rules of the American Arbitration Association. You waive the right to participate in class action lawsuits or class-wide arbitration.
Either party may seek injunctive or equitable relief in court to protect intellectual property rights or confidential information.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the website or services after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
We reserve the right to terminate or suspend your access to the website or services at any time, without notice, for conduct that we believe violates these Terms or is harmful to us, other users, or third parties.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
If you have questions about these Terms, please contact us:
Union Consulting NYC LLC
431 Crown Street
Brooklyn, NY 11225
Email: shalom@union-consulting-nyc.com