Effective Date: April 21, 2026
These Terms of Service ("Terms") govern your access to and use of the Acquisition Vault SBA Loan Approval Calculator at https://bradyhuf-lab.github.io/av-sba-calculator/, the website at acquisitionvault.com, and any related services we provide (collectively, the "Services"). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.
1. About Us
Acquisition Vault is a buy-side advisory firm that helps business buyers prepare deal packages and connects them with SBA Preferred Lenders, accountants, attorneys, and other service providers. We are not a lender. We are not a broker-dealer or registered investment advisor. We are not a law firm, accounting firm, or tax advisor. We are not affiliated with the U.S. Small Business Administration. We do not originate, underwrite, fund, or guarantee any loan.
2. The Calculator Is Informational Only
The Calculator generates an estimated assessment of how an SBA 7(a) loan request might be evaluated, based on inputs you provide and publicly stated SBA 7(a) program guidelines. The Calculator output is informational only. It is not a loan commitment, pre-qualification, pre-approval, or guarantee that any lender will fund your transaction. Actual loan approval depends on full underwriting by a licensed SBA Preferred Lender and is subject to that lender's credit policies, current SBA Standard Operating Procedures, verified financials, Quality of Earnings analysis, third-party reports, and current capital market conditions. Numbers shown are estimates and may differ materially from any final lender decision or terms.
3. No Financial, Legal, or Tax Advice
Nothing on the Services constitutes financial, investment, legal, tax, or accounting advice. The Services are educational and informational. You should consult with your own qualified attorneys, accountants, financial advisors, and tax professionals before pursuing any business acquisition or signing any loan documents. Acquiring a business involves substantial financial and operational risk, including the risk of partial or total loss of capital.
4. Eligibility
You may use the Services only if you are at least 18 years old and have the legal capacity to enter into binding contracts. By using the Services you represent that you meet these requirements and that any information you provide is accurate and complete to the best of your knowledge.
5. Use License and Restrictions
We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, non-commercial evaluation of your own business acquisition. You may not:
- Copy, modify, distribute, sell, or sublicense any part of the Services
- Use the Services for any commercial purpose other than evaluating your own deal
- Reverse engineer, decompile, or attempt to derive the source code of any non-public portion of the Services
- Use automated tools (bots, scrapers, harvesters) to access the Services or extract data
- Misrepresent your identity, eligibility, or financial information
- Use the Services in violation of any law, regulation, or third-party right
6. User-Submitted Information
You are responsible for the accuracy and completeness of any information you submit. You authorize us to use that information consistent with our Privacy Policy, including sharing relevant deal information with SBA Preferred Lenders or other service providers when you ask us to match you. You acknowledge that misstatements on a loan application may carry civil and criminal penalties under federal law.
7. SMS and Email Consent
By submitting your phone number through the Services, you expressly consent to receive transactional and marketing SMS messages from Acquisition Vault. Reply STOP to opt out at any time. Reply HELP for assistance. Message and data rates may apply. Message frequency varies. Consent is not a condition of any service. By submitting your email, you consent to receive transactional emails and may opt out of marketing emails at any time.
8. Disclaimer of Warranties
The Services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. To the maximum extent permitted by law, Acquisition Vault disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, and uninterrupted or error-free operation. We do not warrant that the Services will meet your requirements, that any specific lender will fund your deal, or that any specific outcome will occur.
9. Limitation of Liability
To the maximum extent permitted by law, in no event will Acquisition Vault, its owners, employees, contractors, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, business interruption, or cost of substitute services, arising out of or relating to your use of or inability to use the Services, even if we have been advised of the possibility of such damages. Our total cumulative liability arising out of or relating to the Services will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow the limitation or exclusion of certain warranties or damages, so some of the above may not apply to you.
10. Indemnification
You agree to indemnify, defend, and hold harmless Acquisition Vault and its owners, employees, contractors, and agents from any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, your violation of any law or third-party right, or any inaccurate information you submit.
11. Third-Party Services
The Services may include links to or integrations with third-party services such as SBA Preferred Lenders, calendar booking tools, CRM platforms, accounting firms, and law firms. We are not responsible for the practices, content, or terms of any third-party service. Your interactions with third parties are governed by their own terms and policies.
12. Modifications to the Services and Terms
We may modify, suspend, or discontinue the Services at any time without notice or liability. We may revise these Terms by updating this page and changing the Effective Date. Continued use of the Services after a revision constitutes acceptance of the revised Terms.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. Any dispute arising out of or relating to these Terms or the Services will be resolved in the state or federal courts located in Florida, and you consent to personal jurisdiction and venue in those courts.
14. Severability and Entire Agreement
If any provision of these Terms is held unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Acquisition Vault regarding the Services.
15. Contact
Questions about these Terms: joshuaekim1@gmail.com or via the contact form at acquisitionvault.com.