Terms of Service
Last updated: May 2026
1. Agreement to Terms
By accessing or using the Bridgeline Advance platform ("Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform. These Terms constitute a legally binding agreement between you and Bridgeline Advance ("Company," "we," "us," or "our").
2. Description of Services
Bridgeline Advance provides a technology platform that facilitates revenue-based capital advances to qualified businesses ("Borrowers") funded by qualified investors ("Investors"). Our services include:
- Processing and evaluating applications for revenue advances
- Facilitating the funding of approved advances through our investor network
- Managing repayment schedules and collections
- Providing portfolio management tools for investors
Important: Bridgeline Advance revenue advances are not loans. They are purchases of future receivables at a fixed fee. There is no interest rate, no compounding, and no variable terms. The total repayment amount is disclosed and agreed upon before any funds are disbursed.
3. Eligibility
To use the Platform, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Have the authority to bind the business entity you represent (for Borrowers)
- Provide accurate and complete information during registration and application
- Maintain the security of your account credentials
4. Borrower Terms
4.1 Application & Approval
Submitting an application does not guarantee approval. All applications are subject to our underwriting process, which includes verification of business revenue through bank account integration (Plaid), review of cash flow history, and assessment of overall business health. We reserve the right to decline any application at our sole discretion.
4.2 Repayment Obligations
Upon receiving a revenue advance, you agree to repay the total amount (advance amount plus the agreed-upon fixed fee) according to the payment schedule provided. Payments are collected automatically via bank debit on the agreed schedule (weekly or daily). You are responsible for ensuring sufficient funds are available in your designated bank account on each payment date.
4.3 Late & Missed Payments
If a scheduled payment fails due to insufficient funds or any other reason, we will attempt to collect the payment again. Continued failure to make payments may result in additional collection efforts, reporting to credit bureaus, and legal action to recover the outstanding balance. You may also be charged a failed payment fee as disclosed in your advance agreement.
5. Investor Terms
5.1 Investment Risks
Investing through Bridgeline Advance involves risk, including the potential loss of some or all of your invested capital. Past performance does not guarantee future results. Revenue advances are not FDIC insured, are not bank deposits, and are not guaranteed by any government agency. You should only invest capital that you can afford to lose.
5.2 Returns
Returns on investments are generated from the fixed fees charged to Borrowers. The projected returns displayed on the Platform are estimates based on full and timely repayment. Actual returns may vary if a Borrower defaults or makes late payments. Bridgeline Advance does not guarantee any specific rate of return.
5.3 Liquidity
Investments in revenue advances are illiquid for the duration of the advance term. You cannot withdraw invested capital before the advance is fully repaid. Plan your investments accordingly.
6. Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to immediately notify us of any unauthorized use of your account. We are not liable for any loss arising from unauthorized access to your account.
7. Prohibited Activities
You agree not to:
- Provide false, misleading, or incomplete information in any application or registration
- Use the Platform for any unlawful purpose or in violation of any applicable laws
- Attempt to gain unauthorized access to the Platform, other accounts, or our systems
- Interfere with or disrupt the Platform or its infrastructure
- Use automated systems or software to extract data from the Platform
8. Intellectual Property
All content, features, and functionality of the Platform — including but not limited to text, graphics, logos, software, and the Brooklyn AI assistant — are owned by Bridgeline Advance and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any Platform content without our express written permission.
9. Limitation of Liability
To the maximum extent permitted by law, Bridgeline Advance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to loss of profits, data, or business opportunities. Our total liability shall not exceed the fees paid by you to us in the twelve (12) months preceding the claim.
10. Dispute Resolution
Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Erie County, New York. You agree to waive any right to a jury trial or to participate in a class action lawsuit.
11. Modifications
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through a notice on the Platform. Your continued use of the Platform after changes are posted constitutes acceptance of the updated Terms.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.
13. Contact
Questions about these Terms should be directed to:
Bridgeline Advance
Email: support@bridgelineadvance.com
Buffalo, New York