Best Business Loan Companies
When business owners’ financial needs are greater than their available resources, business loans can fill that financial gap. Many business loans require business owners to put up collateral, usually in the form of their home or other property, that the bank can seize if the business neglects to repay their loan.
Compare Reviews for Top Business Loan Companies
Read 69 Reviews
Imperial Advance is a business loan broker that finds loan offers for you. Simply create an account, fill out your financial information and you will receive several different quotes. Funds are available within 24 hours.
|toll freenumber(347) 708-7543 Visit Website|
Read 1,485 Reviews
This online marketplace connects consumers with lenders. Credit score of 640-750 required. FHA, VA, USDA and Community Homebuyer loans require a minimum down payment of 0-10%; conventional loans require a 5-20% down payment.
|SmartBiz Loans||Read 210 Reviews|
SmartBiz was founded in 2008 to help small businesses navigate the process of applying for and receiving SBA guaranteed loans. They partner with lenders to make it easier for them to lend to small businesses.
|toll freenumber(866) 283-8726 Visit Website|
|Seek Capital||Read 235 Reviews|
In business since 2015, Seek Business Capital is a business funding company offering business planning, funding assessments, cash advances and mortgages. Requests can be fulfilled in as little as two days.
Read 538 Reviews
Currency's services include various business financing options including business loans, equipment financing, equipment leasing and working capital. They offer competitive interest rates and 100 percent financing services.
|toll freenumber(866) 740-5197|
|National Business Capital & Services|
Read 239 Reviews
Founded in 2009, National Business Capital is a business financing provider best known for their fast approval and funding processes. NBC specializes in business equipment financing, lines of credit and small business loans.
Read 214 Reviews
Founded in 2006, Lending Club is a peer-to-peer lending company that is based in San Francisco, California. Lending Club's platform is Internet-based, and the company is extending its reach into car loans and mortgages.
|OnDeck||Read 38 Reviews|
Found in 2007 and headquartered in New York City, OnDeck provides financial services to small businesses. They offer short-term loans and lines of credit in amounts best suited to a business’ need.
Read 47 Reviews
Headway Capital provides access to credit in order to run your small business more efficiently. We are part of Enova International, a leading online lender, which has been providing loans to individuals for over 10 years.
|All Fundy Capital||Read 6 Reviews|
Offers business loans, personal loans and mortgage loans. Individuals must have a FICO score of at least 500 to qualify. Get same day approval and next day funding.
What to consider before applying for a business loan
Fixed or variable interest rates
When a customer takes out a business loan, an interest rate is established. With a fixed interest rate loan, the payment remains constant over the entire loan term. The interest rate on a variable rate loan may go up or down depending on pre-determined conditions.
- Loan term: Whether a loan is a for a short time period or for a long one, the interest rate and payment amount remain constant with a fixed rate loan. In a rising interest rate environment, the borrower risks higher debt payments with a variable rate loan.
- Current market rate: Interest is usually calculated at the current market rate, so the loans is competitive with similar loans from other institutions. The fixed interest rate won’t change, whereas if market interest rates go up or down, the variable interest rate and subsequently the loan payment will adjust.
- Stability: With a fixed rate loan, the interest rate remains stable, even if the market changes. Fixed rate loans offer greater future debt payment certainty than variable rate loans.
Set maturity date
The maturity date, which is set at the time of the loan, is the date by which the loan must be repaid. Some loans have a set maturity date whereas others do not. For example, a line of credit may not have a pre-determined maturity date.
- Loan is for a specific time period: The loan must be paid back within a specific time period or be refinanced; it is not open-ended.
- Interest stops accruing on maturity date: Users may have to repay interest even after the principal amount is repaid, but after the maturity date, interest payments stop and the entire loan must be repaid.
- Users can prepay: Loans can be paid off early without penalty, as long as they are paid in full by the maturity date.
Many business loans require customers to put up collateral, or property, that is used as security if the borrower defaults on his or her loan payments. If the user defaults on the loan, the bank can seize the property and sell it to recover its loss. For example, an equipment loan usually uses the piece of equipment as collateral.
- Flexible requirement: The amount of collateral needed depends on the size of the loan. Smaller loans may not require collateral.
- Requires assets: In general, larger loans require high-value assets to be used as collateral against the business loan.
- Increases risk: Business owners should be certain that they can repay loans prior to putting up collateral, as they can lose the property if they default on the loan.
Most business debtors are not expected to repay the loan all at once. Instead, borrowers pay in installments until the loan, interest charges and financing fees are completely paid off.
- Variety of plans: Daily, bi-monthly and monthly repayment plans are common. Some lenders offer flexible repayment schedules. The lender explains the repayment options at the time of borrowing. The repayment schedule depends on the amount of the loan, the customer’s credit rating, the type of loan and the customer’s financial circumstances.
- May be renegotiated: Under special circumstances, if the borrower encounters financial difficulties, he or she may be able to refinance the loan in order to lower the payments.
- Takes interest and fees into account: The loan documents explain how interest and fees are calculated and repaid.
Limitations on additional debt
Some lenders require that business borrowers agree not to take out additional loans for greater than a specific amount. This protects the debtor from securing more debt than he or she can realistically pay back.
- Not required for all loans: This feature is used for larger loans, where the lender is risking a lot of money if the debtor defaults.
- May need permission letter: In some cases, debtors may need to get a written letter from the lender giving him or her permission to take out an additional loan during the life of the debt.
- Independent of credit rating: This limitation is set by the lender and may be unrelated to the user’s credit rating.
Not all business loans are alike. Many lenders offer flexible terms, depending on the debtor’s credit rating, the strength of the business and other factors.
- Short-term loans for less than three years: Short-term loans last for a few months through several years.
- Flexible payment plans for loans of all sizes: Users can choose from several different payment plans with varying interest rates and loan lengths with a flexible term loan.
- Various down payment requirements: Each lender has its own minimum requirements for down payments. The down payment may depend upon type of loan, borrower’s credit worthiness and company policy.
What are different types of business loans?
The Small Business Association (SBA) offers loan guarantees to small businesses, including startups, that need additional support and help securing financing. An SBA guarantee lets a bank or other lender know that the SBA believes the business is sound and will be able to pay back the full loan amount, even if the business does not have great credit. The SBA can guarantee between 75-85 percent of a loan, depending on the total loan amount.
Short-term loans last for a maximum of three years. They often require monthly payments.
Some lenders offer terms up to 20 or 30 years. These loans usually are for large amounts and may be used to buy equipment, construct facilities or make other large business investments.
Business lines of credit
A line of credit gives companies with ongoing financial need the opportunity to borrower on an as-needed basis.
Certain lenders specialize in equipment financing. These lenders may fund leasing or the purchase of business equipment.
Who applies for business loans?
People who are just starting a business may need a loan to buy equipment, hire employees, advertise their business and/or obtain required licenses. In general, startup funding is more difficult to secure than loans for established businesses due to the greater risk of new-business failure.
Small and local businesses
Small, local and mid-sized businesses may need money to expand, acquire materials, cover bills and payroll, purchase equipment or fund inventory. All types of businesses for a variety of financing needs may benefit from a loan at some point.
Businesses that are poised to grow may need financing to help them reach more customers, open new locations, increase their marketing or support other expansion needs.
Business loan questions
- What is the average loan amount for a small business?
- The average loan amount depends on the lender you’re working with and how much you qualify for. The 7(a) loan program offers federally guaranteed loan amounts of up to $5 million, depending on what the funds are for and the kind of enterprise you operate. These loans are generally low-interest and have flexible terms.
- How do you qualify for a small business loan?
- The U.S. Small Business Administration states that the basic criteria to apply for a small business loan includes:
- Being registered as a for-profit business
- Physically located in the U.S. or its territories
- Having invested equity
- Exhausted all other financing options
Every lender has specific criteria for small business loans, so check their website to find out if you meet their eligibility requirements.
- Can you get a small business loan for an online business?
- The basic eligibility requirements for a physical business are the same for an online business:
- Registered as a for-profit business
- Located in the U.S. or its territories
- Have invested equity
- Exhausted all other financing options
- What credit score do I need to get a business loan?
- Every lender has a different minimum credit score requirement. Having a good credit score (700 or higher) can boost your loan application and get you access to higher loan amounts.
If you have a less than perfect credit score, you might be able to get a business loan, but interest rates and fees tend to be higher for borrowers with poor credit.
- Is it a good idea to get a loan to start a business?
- Business loans give you the funds you need to get your business up and running. If you need money to cover startup costs and meet the eligibility requirements, a business loan could be the right option.
- Which business activities would necessitate short term financing?
- Short-term financing usually has a term that lasts less than a year. It’s a viable option for a few different reasons:
- Seasonality. A loan can help your business make it through the off-season
- Cover short-term costs. If you’re waiting for customers to pay their bills but need to pay your employees, a business loan is a practical option
- Even out cash flow, especially if you have a cyclical business
Expert reviews for business loan companies
Currency Capital was founded in 2009 to save faltering businesses in the wake of the economic crisis. The company’s goal is to give business owners a range of financial options and to promote the health of the small business community. Currency Capital is a member of the National Equipment Finance Association (NEFA).
Founded in 2007, National Business Capital & Services is a Bohemia, New York-based business financier. It is known for providing loans to small businesses across the US, Peurto Rico and Canda in a quick and efficient manner. The company also offers business equipment financing and business lines of credit, in addition to small business loans.
Imperial Advance is an online business loan marketplace that focuses on providing small businesses with access to the funds they need. After you apply for a quote, a financial consultant will contact you with loan offers from numerous lenders.
Headway Capital is a part of the publicly-traded lender Enova International. Headway Capital offers lines of credit up to $35,000 to many types of small businesses. It is headquartered in Chicago.
Also known as BFAdvance LLC, Nationwide Business Advance Companies, Merchant Cash Advance Companies and Business Advance Companies. Business Finance Advance offers funding opportunities to small, mid-sized and large companies. BFA deals in alternatives to traditional bank loans as part of its mission to make funding more accessible to businesses.
LendVantage’s mission is to make it easier for small businesses to gain access to working capital. The company offers special financing to women-owned businesses and provides general business financing.
- Products: Business loans and cash advances. LendVantage offers 4 types of financing; business term loans, revenue-based financing, merchant cash advance and business line of credit.
- Interest rates: Rates and terms vary based upon type of loan product selected. There are no application fees.
- Service: LendVantage offers funding through a variety of lending partners.
- Borrower qualifications: Borrowers must provide four months of business bank account records. No collateral or credit score minimum is required.
- Fast approval process: The online loan application takes only a few minutes. Pre-qualification can be secured within 24 hours. After speaking with a customer service representative, the business line of credit approval may be completed in minutes. Funds may be received from the funding partner within 72 hours after the underwriting and approval process is completed.
- Large lender network: LendVantage partners with a large number of other lenders, making it more likely that users will find a lender that meets their needs.
- Loan limits: Businesses can borrow up from $2,000 up to $250,000 through LendVantage.
- Repayment option: Repayments vary based on type of funding. Types of loans and repayment terms are listed on the website compare page.
- Best for: Small and mid-sized business seeking cash advances or short term business loans.
Swift Capital believes that worthy businesses are often denied funding based on personal credit scores. Swift funds business needs based on the strength of the firm, not on personal credit scores. The firm uses data and technology to streamline the lending experience and connect business owners with funding sources.
Through their lending marketplace, Biz2Credit connects borrowers with their network of over 1,300 pre-screened lenders. Biz2Credit has been connecting businesses and lenders since 2007. The company processes more than $1.5 billion per year.
Kabbage is a non-traditional small business lender that provides cash strapped businesses a line of credit. Kabbage uses a variety of data sources used by the borrowers’ business to quickly deliver funding.
Lendio is an online loan network facilitator. After a brief application, the company matches small and local businesses and appropriate lenders within the Lendio network.
Wall Street Funding provides loans to businesses based on their expected future earnings. The company requires no collateral and offers cash advances to fund a variety of business expenses.
- Products: Wall Street Funding’s products include cash advances or loans against future revenue with a fixed payback amount.
- Interest rates: The company doesn’t charge upfront costs or application fees. Payback is calculated based on the borrower’s monthly revenue.
- Service: Borrowers complete an online application and can receive a response within two hours. Telephone assistance is available.
- Borrower qualifications: Business must have at least $10,000 in bank deposits per month and have been in business for at least 60 days.
- Fast approval process: Loan approval is available within 24 hours. Funding may be received within 72 hours.
- Loan limits: Funding depends upon company revenue and ranges from $3,000 to $750,000.
- Repayment options: The fixed payback amount is based on borrower’s monthly revenue.
- Best for: Small and mid-sized businesses.
Started in 1995, American Capital Group provides funding for businesses to obtain equipment. Additionally, American Capital serves as the middleman between vendors and equipment lessees for business owners seeking equipment to lease. Products: 100 percent financing for the cost of new or used equipment including tax and shipping. Personally tailored leasing programs. Offerings include application-only, start-up, 100 percent finance, FastTrack and Flex-Pay programs. This company also offers funding for inventory management and specialized customer projects.
Marlin is a publicly held company that provides commercial equipment financing and working capital loans to businesses nationwide.
Founded in 1998, Can Capital offers a wide range of loans as well as an online tool to help determine the best available funding options. Can Capital works to create an individualized experience for each client and their business' needs.
- Products: Small business loans and merchant cash advances including inventory and equipment loans are available. Their Daily Remittance Platform TM and proprietary risk models yield higher funding approval rates and broader small business financing options than competitors products.
- Interest rates: Dependent upon business’ strength and/or borrower’s creditworthiness.
- Service: Online customer service representatives available.
- Borrower qualifications: For merchant cash advances, borrower must have an established business and accept credit card payments. For merchant cash advances and business loans, company is assessed based upon various factors such as sales, time in business and performance.
- Fast approval process: Rapid approval process and funding available in as little as 2 business days.
- Loan limits: Business loans range from $2,500 to $150,000 and can vary in term from four to 24 months. Merchant cash advances range from $5,000 to $150,000 and don’t have a fixed term or maturity date.
- Repayment options: Several repayment options are available depending on the type of loan. Cash advances are repaid with variable daily debits from the businesses credit card receipts and depend upon sales. Fixed business loan payments are automatically withdrawn from the business bank account daily.
- Best for: Small and mid-sized businesses.
Funding Circle is an online loan marketplace specifically focused on small businesses. Funding Circle matches borrowers with accredited lenders from across the globe. Investors in Funding Circle loans receive higher interest rate returns than banks and CDs while helping small businesses fund their goals.
- Products: Small business loans for various needs such as expansion, inventory, equipment, refinance debt or to hire additional staff.
- Interest rates: As of April 12, 2016, fixed interest rates start at 5.49 percent and go up to 26.79 percent, depending on loan term, business and borrower qualifications. The firm promises a transparent fee structure and no prepayment penalties.
- Service: Access to a dedicated loan specialist for assistance is available throughout the borrowing process.
- Borrower qualifications: The application process requires two years of the most recent business tax returns, the most recent personal tax return, and six months’ recent business bank statements. For loans greater than $300,000, additional documentation includes six months’ recent bank statements, YTD balance sheet and income statement, and completion of the company’s ”outstanding business loans & credit worksheet.”
- Approval process: The quick online application promises immediate response from the loan specialist. Borrowers may receive the loan qualification within 72 hours and funding may be secured within 10 business days.
- Loan limits: From $25,000 to $500,000.
- Repayment options: Monthly repayment is the norm and the term varies from 1 to 5 years.
- Website: Excellent and transparent website with easy access to educational resources and borrower information.
- Best for: Established small business owners and expanding businesses.
National Funding is one of the nation’s largest private providers of small business funding. Founded in 1999, the company provides a wide range of services to help small companies with their funding needs.
- Products: Small business loans, equipment financing, merchant cash advances, credit card processing and other merchant services. National offers individually tailored lending solutions.
- Interest rates: Interest rates are determined based on various business factors.
- Service: Direct phone access to a loan services specialist is available.
- Borrower qualifications: No collateral or down payment is required.
- Fast approval process: Borrowers may receive funding within 24 hours.
- Loan limits: Up to $500,000.
- Repayment options: National has fixed repayment terms with specially tailored repayment frequency.
- Business resource center: Useful educational tools, blog, white papers and more.
- Best for: Small and mid-sized business owners.
Fundera is an online marketplace that helps small business owners connect with funding providers. The company simplifies the business loan application process by doing the groundwork to identify the industry lending leaders to expedite the borrowing process.
Fundation is a small to mid-sized lender that utilizes technology to expedite the lending process. The company is a direct lender, which means they lend their own money.
- Products: A range of small business loan products with fixed and simple interest rates are available. The types of loans include short-term business, bridge, expansion and acquisition, working capital, alternative, commercial, inventory, refinancing, and cash-flow loans.
- Interest rates: The interest rates are risk-based and determined based upon estimated credit risk of the borrower. Including origination and closing fees the annual percentage interest rates range from 7.99 percent to 29.99 percent as of April, 2016. There are no prepayment fees.
- Service: There is a 10-minute application process and access to a dedicated customer relationship manager. Online live chat also available.
- Borrower qualifications: Minimum qualifications include two years in business, three employees and $100,000 in annual revenue. Good personal credit is required.
- Fast approval process: After loan documents are signed the loan is eligible for approval.
- Loan limits: General lending parameters range from $20,000 to $500,000. One million is available to qualified businesses.
- Repayment options: Repayment terms vary based upon loan. For most loans the repayment period is one to four years. There are shorter term options for working capital, inventory turns and immediate cash flow needs. For business growth and expansion loans, longer terms are available. Payments are due twice per month.
- Special features: Refinancing is available after nine months. Transparent and easily accessible website and online customer chat feature.
- Best for: Small and mid-sized businesses seeking fixed rate funding with high lending amounts.
RapidAdvance is a full-service small business lender that directly funds its loans. The company offers a range of lending options, from its Small Business Loan Program to cash advances, lines of credit and financing for SBA guaranteed loans. RapidAdvance is one business within a large family of companies.
- Products: RapidAdvance offers a variety of financing options, including small business loans, merchant cash advances, lines of credit and SBA bridge loans, which help business financially bridge the gap between the time they apply for an SBA guaranteed loan and the time the loan is approved.
- Interest rates: Available based upon credit-worthiness after completing an application. Rates start at 1.25 percent per month.
- Service: RapidAdvance offers a dedicated account executive and online phone chat.
- Borrower qualifications: There are lending solutions for all types of borrowers.
- Fast approval process: Approval is available within 24 hours with funding in as little as three days.
- Loan limits: Flexible lending limits depend upon the client’s business revenues and qualifications.
- Repayment options: The repayment options are customized to fit the client.
- Best for: Small and mid-sized businesses.
ForwardLine is a financing company that gives its clients access to loans, merchant cash advances and payment processing services. It was founded in 2003 by a group of business professionals that wanted to make it easier for companies in the United States to find the capital needed to expand operations and improve sales strategies. Today, ForwardLine has a financing volume over $250 million and a payment processing volume over $1 billion.
Founded in 2010 as RetailCapital, this company gives small and medium-sized retail businesses access to working capital and business loans. In 2015 they adopted the new name, Credibly, to reflect their growth to markets other than retail. They now serve over 125 industries and have partnered with Flexpoint Ford, a private equity investment firm, WebBank, Alostar Bank of Commerce and CapitalSource to offer a wider variety of services.
Celtic Bank was founded in 2001 and is headquartered in Salt Lake City. They lend money to small and medium-sized for business acquisition, working capital, inventory and equipment. They also finance ground-up construction, offer debt refinancing, money marketing accounts (MMA) and certificates of deposits (CD).
Expansion Capital Group (ECG) was founded in 2013 and offers financing options to small and medium-sized businesses. ECG has worked with more than 650 types of businesses and loaned those businesses more than $65 million.
The Business Backer was founded in 2007 and is headquartered in Blue Ash, Ohio. They have financed businesses with more than $4 million. The publically traded company offers several types of funding, including equipment loans, working capital, lines of credit and traditional loans.
OnDeck was founded in 2007 and is a publically traded company. It’s headquartered in New York City. Since it began, the company has provided over $4 billion in capital to small businesses. They base their application approval on both a business’ gross revenue and the owner’s credit history.
SmartBiz is headquartered in San Francisco. The company was founded in 2008 to help businesses secure small business loans.
The Interface Financial Group (IFG) has provided financial services to small and medium-sized businesses for more than 40 years. They offer invoice financing, meaning they purchase unfilled invoices from a B2B client and then the customer pays IFG when the invoices are completed.
Dealstruck is a financial services company headquartered in Carlsbad, Calif. They offer traditional business loans as well as alternative funding options for small and medium-sized businesses. They focus on providing flexible options so business owners can determine which financing option is best for them.
Compare Reviews for Top Business Loan Companies
Read 31 Reviews
Lendio connects business owners with multiple loan offers with one short application. Once loan offers are generated, a Lendio adviser helps business owners decide which loan will work for them.
Read 15 Reviews
Kabbage has a simple online application that requires no fee. Most applicants will have an instant approval decision, complete with a cash offer. Credit lines range from $2,000 to $100,000.
Read 18 Reviews
Celtic Bank, founded in 2001, is an SBA Preferred Lender and offers financing to business of all sizes in the United States. They are headquartered in Salt Lake City.
Read 6 Reviews
Biz2Credit offers business loans for numerous industries, including ones for real estate investments and veterans. They're interactive website helps business owners find the best loan for their particular needs.
Read 6 Reviews
Fundera is a financing company for small business owners who would benefit from comparison-based loan shopping. Easy shopping, dedicated client protection and quick financing make Fundera a good resource for small business owners.
Read 14 Reviews
Credibly is a lending company offering loans for as little as $5,000. They were founded in 2010 and now work with businesses in more than 125 industries.
Read 13 Reviews
ForwardLine is a business loan provider with over a dozen years of lending experience. It uses low, fixed-rate interest options to help people start new businesses and grow existing businesses that have shown success.
|Business Finance Advance|
Read 70 Reviews
Business Finance Advance has a free, quick quote option via their website that gives business owners an instant approval decision. They have a 95 percent approval rating, and their loans go as high as $2.5 million per location.
|American Capital Group|
Read 22 Reviews
American Capital Group has numerous financing options for equipment leasing and business loans. They offer 100 percent financing and start-up loan programs, as well as flexible financing programs and internal funding programs.
Read 12 Reviews
Dealstruck offers multiple funding options to small and medium-sized businesses, including loans and lines of credit up to $500,000. They have several online tools to help clients determine which option best suits their needs.
|Expansion Capital Group|
Read 12 Reviews
Founded in 2013, Expansion Capital Group offers small and medium-sized businesses short-term loans to help them expand or build working capital. Since the company started, it has loaned businesses over $65 million.
|The Business Backer|
Read 11 Reviews
Established in 2007, The Business Backer was created in order to help small businesses thrive. Backed by Enova International, we provide honest and transparent funding to help small businesses get the capital they need to grow.
|The Interface Financial Group|
Read 11 Reviews
The Interface Financial Group was founded in 1972. They have more than 150 offices and offer financial services to B2B companies around the world. The company offers factoring services to help businesses with cash flow problems.
|Marlin Business Services Corp.||Read Reviews|
Since they opened in 1997, Marlin Business Services Corp. has helped business owners with their financing needs. They offer a variety of different financing plans, including ones based on fair market value and buy out services.
|Can Capital||Read Expert Review|
Can Capital offers small business loans and merchant cash advances for growing businesses. Online applications and loans that range from $2,500 and $150,000 make it easy for businesses to gain capital they need for growth.
|Fundation||Read Expert Review|
Fundation is a direct online business lender that operates in all 50 states. Their process just requires an online, 10 minute application to apply. The company has been business since 2011, it provides low interest loans.
|Funding Circle||Read Expert Review|
Funding Circle is an established entrant in the online small business lending marketplace and is a leader in peer-to-peer lending. This means Funding Circle can offer value for both borrowers and investors.
|LendVantage||Read Expert Review|
Endorsed by Larry King, LendVantage is a reputable company that offers various financing options to business owners. Applications are free, and the company doesn't require any personal collateral for their loans.
|National Funding||Read Expert Review|
National Funding is a financial services firm committed to helping small business owners. The company provides education opportunities and a Small Business Resource Center to give entrepreneurs the tools they need to succeed.
|RapidAdvanced||Read Expert Review|
Rapid Advance is an online lender for small business owners. The company also has flexible individual lending options and specialize in financing for a range of uses. They don't require perfect credit in order to be considered.
|Wall Street Funding||Read Expert Review|
Wall Street Funding has an online application process with approval within 24 hours. They've been featured in several popular newspapers, including the Wall Street Journal, Business Insider and the New York Times.
Read 20 Reviews
|Out of Business|
Swift Capital was created to help small businesses get the money they need. Swift assesses your business and makes funds available as you need them. Loans are available in amounts ranging from $5,000 - $500,000.
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.