Lending Disclosures

Inflection Financing is a trade name of an institutional commercial lender.

Equal Credit Opportunity

Inflection Financing is an Equal Housing Lender and complies with the Equal Credit Opportunity Act. We do not discriminate on any prohibited basis.

Truth in Lending

Commercial loans are generally exempt from Regulation Z (Truth in Lending Act) consumer disclosures. Inflection Financing voluntarily discloses all material loan terms — including APR, total cost of capital, fees, and prepayment treatment — in writing before any closing.

SBA Program Disclosures

SBA 7(a) and 504 loans are subject to SBA eligibility rules, including ownership, citizenship, use-of-funds, and credit-elsewhere requirements. SBA-mandated prepayment penalties apply to 7(a) loans with maturities of 15 years or longer (5%/3%/1% in years 1/2/3).

State Disclosures

State-specific commercial lending disclosures, including those required by California (SB 1235), New York (NY Commercial Finance Disclosure Law), and similar jurisdictions, are provided in writing prior to closing.