Lumara Capital operates as a funding marketplace and referral platform. We do not directly provide loans or financing. Instead, we connect businesses with a network of third-party funding partners, lenders, and financial institutions (collectively, "Funding Partners") who may offer working capital, lines of credit, term loans, revenue-based financing, equipment financing, SBA programs, and other financial products.
Submission of an application through our Site does not guarantee approval, commitment to fund, or any specific funding amount, rate, or term. All funding decisions are made exclusively by the applicable Funding Partner in their sole discretion. Lumara Capital has no control over and makes no representations regarding any Funding Partner's approval criteria, terms, rates, or fees.
By using our Services, you acknowledge that Lumara Capital may receive compensation from Funding Partners in connection with referrals and funded transactions. This relationship does not create a fiduciary obligation on the part of Lumara Capital to you, and you are encouraged to independently evaluate all funding offers before accepting them.
You agree to provide accurate, current, and complete information in connection with any application, inquiry, or communication through our Services. You must not submit false, misleading, or fraudulent information. You are solely responsible for the accuracy and completeness of all information you provide.
By submitting an application, you authorize Lumara Capital and its Funding Partners to obtain consumer and business credit reports, verify business information, and conduct other background inquiries as necessary for the purpose of evaluating your application. An initial soft inquiry may be performed during pre-qualification, and a hard credit inquiry may be initiated by a Funding Partner upon advancement in the application process.
You expressly consent to Lumara Capital sharing your application materials, supporting documents, and related information with Funding Partners in our network for the purpose of evaluating and potentially fulfilling your funding request. Please refer to our Privacy Policy for additional details on how we handle your information.
You agree not to use our Services for any unlawful purpose or in any manner that could harm Lumara Capital, our Funding Partners, or other users. Prohibited activities include but are not limited to:
All content on our Site, including but not limited to text, graphics, logos, images, button icons, and software, is the property of Lumara Capital or its licensors and is protected by applicable intellectual property laws. Nothing in these Terms grants you any license or right to use Lumara Capital's trademarks, service marks, trade names, or logos without our prior written consent.
You may access and view the Site for personal, non-commercial informational purposes only. Any other use, including reproduction, distribution, or modification of Site content, requires our express prior written approval.
Our Services may link to or involve the products, services, websites, or platforms of third parties, including Funding Partners. We do not endorse, control, or assume responsibility for any third-party content, products, services, terms, or privacy practices. Your interactions with Funding Partners, including your acceptance of any financing offer, are solely between you and the applicable Funding Partner. Any disputes arising from a funded transaction must be resolved directly with the Funding Partner.
All financing offers are subject to final approval, underwriting, and documentation requirements established by the applicable Funding Partner. Stated rates, terms, and amounts are illustrative only and subject to change.
OUR SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, LUMARA CAPITAL DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY INFORMATION PROVIDED THROUGH OUR SITE IS ACCURATE, COMPLETE, OR CURRENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LUMARA CAPITAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND SUCCESSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, OUR SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL LUMARA CAPITAL'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR SERVICES EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100.00) OR (B) THE FEES PAID BY YOU TO LUMARA CAPITAL, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless Lumara Capital and its officers, directors, employees, agents, licensors, and successors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you provide through the Site.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles.
Any dispute, controversy, or claim arising out of or relating to these Terms or the breach thereof shall be resolved by binding arbitration administered by JAMS in accordance with its Comprehensive Arbitration Rules and Procedures, with the arbitration taking place in New York, New York. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
YOU AND LUMARA CAPITAL AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights or to obtain emergency relief.
Lumara Capital reserves the right to modify these Terms at any time. We will notify you of material changes by posting the revised Terms on our Site with an updated effective date. Your continued use of the Services following such changes constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically.
We reserve the right to suspend or terminate your access to our Services at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms. Upon termination, all rights and licenses granted to you under these Terms will immediately cease. Provisions that by their nature should survive termination, including Sections 5, 7, 8, 9, and 10, shall survive.
These Terms, together with our Privacy Policy and any additional agreements you may enter into with us, constitute the entire agreement between you and Lumara Capital with respect to your use of the Services and supersede all prior understandings or agreements.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
For questions, legal notices, or concerns regarding these Terms of Service, please contact us:
460 Park Ave, Suite 1200
New York, NY 10022
Email: info@lumaracapital.com
Phone: 215-607-8989
Website: lumara-capital.com
Financing is subject to credit approval. Not a commitment to lend. Rates, terms, and availability vary by program and applicant. Lumara Capital LLC is not a lender. Lumara Capital connects businesses with third-party funding sources
