Terms & Conditions

Last Updated: March 31, 2026

Welcome to Dark Horse & Associates. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing this website or submitting an application for funding, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our website or services.

2. Description of Services

Dark Horse & Associates is a direct business lender providing financial services including, but not limited to, working capital loans, revenue-based financing, equipment financing, business expansion funding, financial restructuring, and invoice financing. All funding products are subject to credit approval, underwriting review, and the terms of individual funding agreements.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States or a U.S.-based business entity
• Have the legal authority to enter into binding agreements on behalf of the business applying for funding
• Provide accurate and complete information in all applications and communications

4. Application and Funding Process

Submitting an application does not guarantee approval or funding. All applications are subject to our underwriting criteria, which may include review of business financials, credit history, revenue documentation, and other relevant factors. Dark Horse & Associates reserves the right to approve, deny, or modify any funding request at our sole discretion.

5. SMS Terms & Conditions

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Dark Horse & Associates or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. User Representations

By using our website and services, you represent and warrant that:

• All information you provide is truthful, accurate, and complete
• You will not use our services for any unlawful purpose
• You will not attempt to gain unauthorized access to our systems or data
• You will not interfere with the proper functioning of our website

8. Limitation of Liability

To the fullest extent permitted by law, Dark Horse & Associates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim shall not exceed the amount paid by you to us in connection with the specific transaction giving rise to the claim.

9. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of our website or services, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Indemnification

You agree to indemnify, defend, and hold harmless Dark Horse & Associates, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services, your violation of these Terms, or your violation of any third-party rights.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in Lincoln County, North Carolina.

12. Modifications to Terms

Dark Horse & Associates reserves the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.

13. Contact Information

If you have any questions about these Terms & Conditions, please contact us: