Terms & Conditions

Last Updated: March 31, 2026

Welcome to 10 M Enterprises LLC ("Company," "we," "us," "our"). By accessing our website, submitting a funding application, or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Acceptance of Terms

By using this website or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy. If you do not agree to these terms, you may not use our services.

2. Services

10 M Enterprises LLC provides business funding solutions, including but not limited to working capital loans, equipment financing, revenue-based financing, business lines of credit, commercial real estate financing, and business expansion funding.

All funding is subject to approval, underwriting, creditworthiness, and compliance with our lending criteria. We reserve the right to decline any application at our sole discretion.

3. Application Process

When you submit a funding application, you represent and warrant that:

• All information provided is accurate, complete, and truthful
• You have the authority to bind your business to a financing agreement
• You are at least 18 years of age
• Your business is legally registered and in good standing
• You consent to background checks, credit checks, and verification of information

Providing false or misleading information may result in application denial, termination of services, and potential legal action.

4. Loan Terms & Agreements

If your application is approved, you will receive a loan agreement outlining the specific terms, including:

• Loan amount
• Interest rate or factor rate
• Repayment schedule
• Fees and charges
• Collateral requirements (if applicable)
• Default and remedies

You are responsible for reviewing and understanding all terms before signing. Once executed, the loan agreement is a legally binding contract.

5. Fees & Charges

All applicable fees, including origination fees, late payment fees, and prepayment penalties (if any), will be disclosed in your loan agreement. You agree to pay all fees as outlined.

6. Repayment

You agree to repay the loan according to the terms specified in your loan agreement. Payments may be collected via ACH debit, wire transfer, or other agreed-upon methods. Failure to make timely payments may result in:

• Late fees and penalties
• Negative impact on your credit score
• Collection efforts, including third-party agencies
• Legal action

7. SMS Terms & Conditions

If you opt in to receive SMS or text messages from 10 M Enterprises LLC, you agree to the following:

• Consent: By providing your mobile phone number and opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from 10 M Enterprises LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
• Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
• Opt-Out: You can opt out at any time by replying STOP to any message. After you send STOP, we will send you a confirmation message and you will no longer receive messages from us.
• Help: For assistance, reply HELP to any message or contact us at juan@10menterprises.com.
• Rates: Message and data rates may apply. The number of messages you receive will vary based on your interaction with us.
• Not Required: Consent to receive SMS messages is NOT a condition of purchase or service.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of 10 M Enterprises LLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party websites is at your own risk.

10. Disclaimers

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee:

• Uninterrupted or error-free access to our website
• Approval of any funding application
• Specific loan terms or rates
• Accuracy or completeness of information on our website

11. Limitation of Liability

To the fullest extent permitted by law, 10 M Enterprises LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify and hold harmless 10 M Enterprises LLC, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these terms, or infringement of any third-party rights.

13. Governing Law

These Terms & Conditions are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved in the courts of Texas.

14. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with a revised "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the updated terms.

15. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact Information

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

10 M Enterprises LLC
20569 Bayshore Dr
Flint, TX 75762
Email: juan@10menterprises.com

By using our website or services, you acknowledge that you have read and agree to these Terms & Conditions.