Privacy Policy 
 

Effective Date: Apr 25, 2026 · Last Updated: May 2, 2026

Top Lending USA ("we," "us," or "our"), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, including our website (toplendingusa.com), phone calls, text messages, emails, and online applications.

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Information We Collect

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We may collect the following categories of personal information:

Contact Information: Name, phone number, email address, and mailing address.

Business Information: Business name, entity type, industry, years in operation, monthly revenue, and business address. Financial Information: Credit score, bank account information, existing debt obligations, lien positions, and property valuations submitted as part of a funding application. Sensitive Personal Information: Social Security Number (SSN) and date of birth, collected solely for credit evaluation purposes. Communication Records: Call recordings, voicemail messages, text messages, and email correspondence related to your application or inquiry.Technical Information: IP address, browser type, device identifiers, and website usage data collected through cookies and similar technologies.

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How We Use Your Information

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We use your personal information for the following purposes:

• Evaluate funding applications and determine eligibility for business capital products, including term loans, merchant cash advances, SBA programs, lines of credit, equipment financing, and home equity lines of credit (HELOC).

• Communicate with you via phone, text message, email, and mail regarding your application status, available products, and account servicing.

• Share your information with lending partners to match you with appropriate funding products. We work with a network of 50+ lending institutions, and your application data may be submitted to multiple lenders to find the best available offer.

• Verify your identity and conduct credit checks through consumer reporting agencies, including but not limited to Experian, Equifax, and TransUnion.

• Assess property values using automated valuation models, public records, and third-party data providers in connection with secured lending products.

• Record and monitor calls for quality assurance, training, compliance, and dispute resolution purposes.

• Comply with legal obligations, respond to regulatory inquiries, and enforce our agreements.

• Improve our services, including the development of automated tools and AI-assisted processes used in application processing and customer communications.

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Telephone Consumer Protection Act (TCPA) Consent

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By submitting an application or inquiry through our website, phone, or any affiliated intake form, you expressly consent to receive calls, text messages, and pre-recorded or artificial voice messages from Top Lending USA, and our lending partners at the phone number(s) you provide. This consent applies to calls made using an automatic telephone dialing system or prerecorded voice, and is not a condition of receiving services.

You may revoke your consent at any time by:

• Replying STOP to any text message

• Emailing privacy@toplendingusa.com with the subject line "Opt Out"

• Calling (833) 290-5564 and requesting removal from our contact list

Revocation of consent will be processed within 5 business days. Revoking consent does not affect the status of any pending application.

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Information Sharing and Disclosure

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We may share your personal information with:

• Lending Partners: Banks, credit unions, alternative lenders, and funding providers in our network for the purpose of evaluating and presenting funding offers.

• Service Providers: Third-party vendors who assist with credit reporting, property valuation, document processing, communications infrastructure, and technology services.

• Credit Bureaus: We may report application and funding activity to consumer and commercial credit reporting agencies.

• Legal and Regulatory: Law enforcement, regulatory agencies, or other parties when required by law, subpoena, court order, or to protect our rights.

• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.

We do not sell your personal information to third parties for marketing purposes unrelated to your funding inquiry.

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Data Retention

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We retain your personal information for as long as necessary to:

• Complete the purpose for which it was collected (application processing, account servicing)

• Comply with legal and regulatory retention requirements

• Resolve disputes and enforce agreements

Sensitive information such as Social Security Numbers is encrypted at rest and in transit, and access is restricted to authorized personnel and systems on a need-to-know basis.

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Your Rights

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Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you

• Correct inaccurate personal information

• Delete your personal information, subject to legal retention requirements

• Opt out of certain data sharing or communications

• Request a copy of your information in a portable format

To exercise any of these rights, contact us at privacy@toplendingusa.com or call (833) 290-5564.

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Security

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We implement administrative, technical, and physical safeguards to protect your personal information, including encryption, access controls, and secure data storage. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

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Do Not Call

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We maintain an internal Do Not Call list. If you wish to be added to this list, contact us at privacy@toplendingusa.com or call (833) 290-5564. We honor all National Do Not Call Registry requests as required by the FCC and FTC.

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Children's Privacy

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Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

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Changes to This Policy

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We may update this Privacy Policy from time to time. Changes will be posted at this URL with an updated effective date. Continued use of our services after changes constitutes acceptance of the revised policy.

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Contact Us

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Top Lending USA

Email: privacy@toplendingusa.com

Phone: (833) 290-5564

Website: toplendingusa.com