New! Get paid directly to your Ymventures account with easy invoicing and payment links.

Call us at:

718-747-9360

Apply Now

New! Get paid directly to your Ymventures account with easy invoicing and payment links.

Terms And Conditions

Terms and Conditions

Last Updated: August 4, 2026

1. Introduction and Acceptance of Terms

Welcome to www.ymventures.net (the “Site”), operated by YM Ventures (“YM Ventures,” “Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Site, including any content, functionality, tools, and services offered on or through the Site.

By accessing, browsing, or using the Site, or by submitting an application or inquiry through the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.

You represent that you are at least 18 years of age and, where you are acting on behalf of a business or other entity, that you have the authority to bind that business or entity to these Terms.

2. About Our Services

YM Ventures is an alternative business financing firm that helps small and medium-sized businesses access capital solutions, which may include business term loans, lines of credit, merchant cash advances, equipment financing, SBA loans, asset-based lending, invoice factoring, and credit card processing services.

YM Ventures may act as a facilitator, broker, or referral source that connects applicants with third-party lenders, funders, and financial institutions. YM Ventures is not a bank. Depending on the product, YM Ventures may or may not be the direct provider of financing, and financing decisions, terms, and funding are ultimately made and provided by the applicable lender or funding source.

3. No Guarantee of Approval or Funding

The information on the Site is provided for general informational purposes only and does not constitute an offer, commitment, or guarantee to lend or provide financing. Prequalification, prequalification estimates, eligibility criteria, funding amounts, timeframes, rates, and terms described on the Site are illustrative only, are subject to change without notice, and do not guarantee that you will be approved for or receive any financing.

All financing is subject to application, underwriting, credit review, verification, and approval by YM Ventures and/or the applicable third-party lender or funder. Actual products, amounts, rates, fees, and terms may differ from those referenced on the Site and will be set out in the final financing agreement you receive from the applicable lender or funder.

4. Not Financial, Legal, or Tax Advice

The content on the Site is not intended as, and should not be relied upon as, financial, investment, accounting, legal, or tax advice. You should consult your own qualified professional advisors before entering into any financing arrangement or making any financial decision. Your use of the Site does not create an advisory, fiduciary, or professional relationship between you and YM Ventures.

5. Applications, Prequalification, and Information You Provide

When you submit an application, prequalification request, or other inquiry through the Site or through apply.ymventures.net, you agree to provide accurate, current, and complete information and to keep such information updated. You authorize YM Ventures and its lending and funding partners to collect, use, verify, and share the information you provide for the purpose of evaluating your request, including obtaining business and personal credit information and other reports where permitted by law.

You acknowledge that a prequalification may involve a “soft” credit inquiry that does not affect your credit score, while a full application or funding decision may involve a “hard” credit inquiry and additional verification. By submitting your information, you consent to be contacted by YM Ventures and its partners by phone, email, text message, and other means regarding your request and related offers, in accordance with applicable law and our Privacy Policy.

6. Eligibility

Financing products may be subject to minimum eligibility requirements, such as time in business, minimum annual revenue, minimum credit score, and an active business checking account. Meeting the stated minimum requirements does not guarantee approval. YM Ventures and its funding partners reserve the right to decline any application in their sole discretion.

7. Third-Party Lenders, Links, and Services

The Site may contain links to, or facilitate transactions with, third-party lenders, funders, service providers, and websites that are not owned or controlled by YM Ventures. YM Ventures does not control and is not responsible for the content, products, services, terms, privacy practices, or actions of any third party. Any financing you obtain is governed by the separate agreement between you and the applicable lender or funder, and YM Ventures is not a party to that agreement unless expressly stated. Your dealings with, or participation in promotions of, any third party are solely between you and that third party.

8. Intellectual Property Rights

The Site and all of its contents, including but not limited to text, graphics, logos, images, trademarks, service marks, trade names, design, layout, and software, are the property of YM Ventures or its licensors and are protected by United States and international intellectual property laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your own lawful, personal or internal business purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, republish, download, or otherwise exploit any content from the Site without our prior written consent. The YM Ventures name and logo may not be used without our prior written permission.

9. Acceptable Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree that you will not:

  • Use the Site in any way that violates any applicable federal, state, local, or international law or regulation;
  • Submit false, misleading, fraudulent, or inaccurate information, or impersonate any person or entity;
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Site, its servers, or any connected systems or networks;
  • Introduce any viruses, malware, or other harmful or malicious code;
  • Use any robot, spider, scraper, or other automated means to access the Site or collect information from it without our permission; or
  • Use the Site to transmit any unsolicited or unauthorized advertising or promotional material.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY LAW, YM VENTURES DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

YM Ventures does not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components, or that the information on the Site is accurate, complete, reliable, current, or up to date. Any reliance you place on such information is strictly at your own risk.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL YM VENTURES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE OR ANY SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF YM VENTURES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF YM VENTURES ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless YM Ventures and its officers, directors, employees, agents, affiliates, and partners from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms, your misuse of the Site, your submission of inaccurate or fraudulent information, or your violation of any law or the rights of any third party.

13. Governing Law

These Terms and any dispute or claim arising out of or related to them, the Site, or your use of the Site shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Subject to the arbitration provision below, you agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in the State of Florida, and you consent to the personal jurisdiction and venue of such courts.

14. Dispute Resolution and Arbitration

Please read this section carefully, as it affects your legal rights. Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms or the Site that cannot be resolved informally shall be resolved by binding arbitration administered in the State of Florida in accordance with the rules of a recognized arbitration provider, rather than in court, except that either party may seek relief in small claims court for qualifying claims.

To the fullest extent permitted by law, you and YM Ventures agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Nothing in this section limits either party’s ability to seek injunctive or equitable relief for the unauthorized use of intellectual property or confidential information. If any portion of this arbitration provision is found to be unenforceable, the remainder shall remain in effect.

15. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. Any changes will be effective when we post the revised Terms on the Site and update the “Last Updated” date above. Your continued use of the Site after any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Changes to or Suspension of the Site

We reserve the right to modify, suspend, or discontinue the Site or any part of it, temporarily or permanently, with or without notice. We will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site.

17. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of that right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements posted on the Site, constitute the entire agreement between you and YM Ventures regarding your use of the Site and supersede all prior or contemporaneous understandings and agreements relating to the same subject matter.

19. Contact Us

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

YM Ventures Phone: 718-747-9360 Website: www.ymventures.net

This document is provided as a general template for informational purposes and does not constitute legal advice. Laws and regulations governing financial services, lending, and consumer protection vary and change over time. YM Ventures should have this document reviewed by a qualified attorney licensed in its jurisdiction before publishing it, and should confirm the legal entity name, mailing address, and any product-specific licensing disclosures required in the states where it operates.

Terms and Conditions

Last Updated: August 4, 2026

1. Introduction and Acceptance of Terms

Welcome to www.ymventures.net (the “Site”), operated by YM Ventures (“YM Ventures,” “Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Site, including any content, functionality, tools, and services offered on or through the Site.

By accessing, browsing, or using the Site, or by submitting an application or inquiry through the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.

You represent that you are at least 18 years of age and, where you are acting on behalf of a business or other entity, that you have the authority to bind that business or entity to these Terms.

2. About Our Services

YM Ventures is an alternative business financing firm that helps small and medium-sized businesses access capital solutions, which may include business term loans, lines of credit, merchant cash advances, equipment financing, SBA loans, asset-based lending, invoice factoring, and credit card processing services.

YM Ventures may act as a facilitator, broker, or referral source that connects applicants with third-party lenders, funders, and financial institutions. YM Ventures is not a bank. Depending on the product, YM Ventures may or may not be the direct provider of financing, and financing decisions, terms, and funding are ultimately made and provided by the applicable lender or funding source.

3. No Guarantee of Approval or Funding

The information on the Site is provided for general informational purposes only and does not constitute an offer, commitment, or guarantee to lend or provide financing. Prequalification, prequalification estimates, eligibility criteria, funding amounts, timeframes, rates, and terms described on the Site are illustrative only, are subject to change without notice, and do not guarantee that you will be approved for or receive any financing.

All financing is subject to application, underwriting, credit review, verification, and approval by YM Ventures and/or the applicable third-party lender or funder. Actual products, amounts, rates, fees, and terms may differ from those referenced on the Site and will be set out in the final financing agreement you receive from the applicable lender or funder.

4. Not Financial, Legal, or Tax Advice

The content on the Site is not intended as, and should not be relied upon as, financial, investment, accounting, legal, or tax advice. You should consult your own qualified professional advisors before entering into any financing arrangement or making any financial decision. Your use of the Site does not create an advisory, fiduciary, or professional relationship between you and YM Ventures.

5. Applications, Prequalification, and Information You Provide

When you submit an application, prequalification request, or other inquiry through the Site or through apply.ymventures.net, you agree to provide accurate, current, and complete information and to keep such information updated. You authorize YM Ventures and its lending and funding partners to collect, use, verify, and share the information you provide for the purpose of evaluating your request, including obtaining business and personal credit information and other reports where permitted by law.

You acknowledge that a prequalification may involve a “soft” credit inquiry that does not affect your credit score, while a full application or funding decision may involve a “hard” credit inquiry and additional verification. By submitting your information, you consent to be contacted by YM Ventures and its partners by phone, email, text message, and other means regarding your request and related offers, in accordance with applicable law and our Privacy Policy.

6. Eligibility

Financing products may be subject to minimum eligibility requirements, such as time in business, minimum annual revenue, minimum credit score, and an active business checking account. Meeting the stated minimum requirements does not guarantee approval. YM Ventures and its funding partners reserve the right to decline any application in their sole discretion.

7. Third-Party Lenders, Links, and Services

The Site may contain links to, or facilitate transactions with, third-party lenders, funders, service providers, and websites that are not owned or controlled by YM Ventures. YM Ventures does not control and is not responsible for the content, products, services, terms, privacy practices, or actions of any third party. Any financing you obtain is governed by the separate agreement between you and the applicable lender or funder, and YM Ventures is not a party to that agreement unless expressly stated. Your dealings with, or participation in promotions of, any third party are solely between you and that third party.

8. Intellectual Property Rights

The Site and all of its contents, including but not limited to text, graphics, logos, images, trademarks, service marks, trade names, design, layout, and software, are the property of YM Ventures or its licensors and are protected by United States and international intellectual property laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your own lawful, personal or internal business purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, republish, download, or otherwise exploit any content from the Site without our prior written consent. The YM Ventures name and logo may not be used without our prior written permission.

9. Acceptable Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree that you will not:

  • Use the Site in any way that violates any applicable federal, state, local, or international law or regulation;
  • Submit false, misleading, fraudulent, or inaccurate information, or impersonate any person or entity;
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Site, its servers, or any connected systems or networks;
  • Introduce any viruses, malware, or other harmful or malicious code;
  • Use any robot, spider, scraper, or other automated means to access the Site or collect information from it without our permission; or
  • Use the Site to transmit any unsolicited or unauthorized advertising or promotional material.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY LAW, YM VENTURES DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

YM Ventures does not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components, or that the information on the Site is accurate, complete, reliable, current, or up to date. Any reliance you place on such information is strictly at your own risk.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL YM VENTURES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE OR ANY SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF YM VENTURES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF YM VENTURES ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless YM Ventures and its officers, directors, employees, agents, affiliates, and partners from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms, your misuse of the Site, your submission of inaccurate or fraudulent information, or your violation of any law or the rights of any third party.

13. Governing Law

These Terms and any dispute or claim arising out of or related to them, the Site, or your use of the Site shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Subject to the arbitration provision below, you agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in the State of Florida, and you consent to the personal jurisdiction and venue of such courts.

14. Dispute Resolution and Arbitration

Please read this section carefully, as it affects your legal rights. Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms or the Site that cannot be resolved informally shall be resolved by binding arbitration administered in the State of Florida in accordance with the rules of a recognized arbitration provider, rather than in court, except that either party may seek relief in small claims court for qualifying claims.

To the fullest extent permitted by law, you and YM Ventures agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Nothing in this section limits either party’s ability to seek injunctive or equitable relief for the unauthorized use of intellectual property or confidential information. If any portion of this arbitration provision is found to be unenforceable, the remainder shall remain in effect.

15. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. Any changes will be effective when we post the revised Terms on the Site and update the “Last Updated” date above. Your continued use of the Site after any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Changes to or Suspension of the Site

We reserve the right to modify, suspend, or discontinue the Site or any part of it, temporarily or permanently, with or without notice. We will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site.

17. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of that right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements posted on the Site, constitute the entire agreement between you and YM Ventures regarding your use of the Site and supersede all prior or contemporaneous understandings and agreements relating to the same subject matter.

19. Contact Us

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

YM Ventures Phone: 718-747-9360 Website: www.ymventures.net

This document is provided as a general template for informational purposes and does not constitute legal advice. Laws and regulations governing financial services, lending, and consumer protection vary and change over time. YM Ventures should have this document reviewed by a qualified attorney licensed in its jurisdiction before publishing it, and should confirm the legal entity name, mailing address, and any product-specific licensing disclosures required in the states where it operates.