Terms of Service

1. Agreement to These Terms

By using this website or engaging the services of CRHD FUND SLP LLC, you confirm that you have read, understood and accepted these Terms of Service. If you do not accept the terms, you should not use the website and should not submit an application. The company may amend these terms from time to time, and the version in force at the time of your use is the version that applies. Where an amendment is material, the company will update the date at the top of this page. Your continued use of the website after an amendment takes effect indicates your acceptance of the revised terms. No employee, agent or representative of the company has authority to vary these terms except in a written agreement signed on behalf of the company.

2. Eligibility and Business Use

The website and the services of the company are intended for businesses and for the adults who operate them. By using the website you represent that you are at least eighteen years of age and that you have the authority to act for any business on whose behalf you make an inquiry. The company offers facilities to businesses rather than to consumers, and it expects every applicant to describe their trade truthfully and to disclose the true ownership and control of the applicant entity. The company may decline to engage with any applicant at its discretion and without giving a reason where the law permits it to do so.

3. No Offer and No Advice

The content on this website is provided for general information and does not constitute an offer of credit, a promise to lend, or a binding commitment of any kind. No statement on the website should be read as financial, legal, accounting or tax advice. Every facility is subject to underwriting, to the verification of the information supplied, and to the execution of a written agreement. Rates, terms, limits and eligibility criteria described on the website are indicative only and may change without notice. You should obtain independent professional advice suitable to your own circumstances before entering into any credit arrangement.

4. Credit Facilities and Underwriting

The company treats underwriting as a reading exercise rather than a box ticking exercise. An analyst studies the record of the applicant across a full twelve month window, marks the peaks and the quiet stretches, and separates the base flow of ordinary trading from the noise of a single strong month. A facility is then shaped to that reading, so that a repayment schedule lands when the business is strongest and eases when the trade is thin. The company may ask for additional information where the record is incomplete, and it may propose a smaller facility than the one requested where a larger sum would strain the flow. No applicant is obliged to accept an indication, and the company is equally content to explain why a request does not fit its criteria.

CRHD Fund offers working capital lines, equipment notes, revenue based advances, a seasonal bridge facility, refinance and consolidation arrangements, and advisory and monitoring services. Each facility is underwritten against the real cash flow of the applicant, measured across a full business cycle rather than a single month. The company reads the base flow first, charts the seasonality of receipts, and sizes a facility that both the business and the company can rely on. The company reserves the right to set conditions, to require security or covenants where appropriate, and to decline an application that does not meet its underwriting standards. Approval of one facility does not create an expectation of approval for any later request.

5. Applications and Information Supplied

Where an application is made on behalf of a company, a partnership or another entity, the person who submits it confirms that they are authorised to do so and that the entity consents to the checks described above. Any change in the ownership, control or principal trading activity of the applicant after an application is submitted must be disclosed promptly, since such a change may affect the assessment of the request. Documents supplied by an applicant are retained in accordance with the Privacy Policy, and an applicant may ask what records the company holds about them by writing to the privacy desk at contact@crhdfund.mom.

An applicant is responsible for the accuracy and completeness of every document and statement supplied to the company. You must not misrepresent revenue, conceal an existing obligation, or provide a record that has been altered to create a false impression. Where the company discovers that information is inaccurate or misleading, it may withdraw an offer, suspend a facility or demand immediate repayment. The company may verify the information supplied with a bank, a credit reference agency, an accountant or another party that holds a relevant record, and you authorise the company to make those checks in connection with your application. All information is handled in accordance with the Privacy Policy published on this website.

6. Fees, Costs and Charges

A quotation of a rate or a fee is valid for the period stated in the indication and may lapse if the conditions on which it was based change before the facility is opened. Where a third party charge is expected, such as a search fee or a valuation, the company will seek approval before it incurs that cost. A prepayment may attract a charge where the written agreement says so, and the agreement will state clearly how that charge is calculated. The company does not impose a charge that has not been disclosed in writing, and it encourages an applicant to raise any question about fees before signing.

The fees that apply to a facility are stated in the written agreement that governs it. These may include an origination fee, a periodic servicing charge, and any third party costs that the company incurs at your request, such as a valuation or a search fee. The company aims to disclose every charge before a facility is opened and does not impose a hidden fee after the fact. Interest, where it applies, accrues in the manner described in the agreement, and the agreement sets out how a payment is applied and how a prepayment is treated. A fee that is quoted on the website is indicative and may be adjusted following underwriting.

7. Repayment and Default

Where a borrower anticipates difficulty in meeting an obligation, the company invites early contact so that a measured adjustment can be explored. Options may include a short payment holiday, a revised schedule, or a change in the draw window, depending on the reading of the cash flow at that time. A borrower who engages openly is far more likely to reach a workable arrangement than one who allows an obligation to fall silent. The company records every repayment and every variation, so that the history of a facility remains clear to both parties.

Repayment obligations are set out in the written agreement for each facility. You agree to make each payment on the due date and to keep the company informed of any change that could affect your ability to pay, including a material fall in revenue, the loss of a major customer, or a change in the ownership of the business. A failure to pay, a breach of a covenant, or the provision of false information may constitute an event of default, which allows the company to demand immediate repayment, to enforce any security, and to recover its reasonable costs of enforcement. The company prefers to work with a borrower early rather than late, and a borrower who raises a difficulty promptly will find the company ready to discuss a measured adjustment.

8. Permitted Use of the Website

The website is provided for the business purposes of the company and its visitors. Automated harvesting of content, attempts to reverse engineer any part of the website, and the use of the website to distribute unsolicited commercial messages are all prohibited. The company may monitor access to the website for security purposes and may keep a record of visits in an aggregated form. Any use of the website that damages the reputation of the company or of another user may lead to the withdrawal of access and to further action where the law allows.

You may use this website for lawful purposes connected with your own business. You must not attempt to gain unauthorised access to any part of the website or its underlying systems, introduce a virus or other harmful code, scrape content by automated means, or use the website in a way that interferes with the experience of another visitor. You must not copy, reproduce or redistribute material from the website for a commercial purpose without written permission from the company. The company may restrict or block access where it reasonably believes that use of the website is unlawful, abusive or harmful.

9. Accounts and Security

The company may provide a portal where a borrower can view a facility, a repayment schedule or a cash flow summary. Access to a portal is personal to the borrower and to the people the borrower has authorised in writing. A user must sign out after a session on a shared device and must not store credentials in a place where another person can read them. Where the company believes that an account has been compromised, it may suspend access while it investigates and may require a fresh verification of identity before restoring it.

Where the company provides access to a portal or an account, you are responsible for keeping your credentials confidential and for all activity that occurs under your login. You agree to notify the company promptly if you believe that your credentials have been compromised or that an unauthorised person has obtained access. The company may suspend an account where it detects unusual activity, and it may require you to reset your credentials as a security measure. You must not share access with a person who is not authorised to act for your business.

10. Intellectual Property

The distinctive design of this website, including the staff gauge navigation, the recorder drum composition and the chart band layout, is the original work of the company and is protected as such. The company may license its marks to a partner for a specific purpose, but no licence is granted to a visitor by mere use of the website. A request for permission to reproduce material should be sent to contact@crhdfund.mom and will be answered promptly. Where permission is granted, it is limited to the purpose and the period stated in the grant.

All content on this website, including text, layout, graphics and the distinctive gauging station design, is owned by CRHD FUND SLP LLC or is used under licence and is protected by applicable intellectual property law. The company name, the CRHD Fund trading name and the related marks belong to the company. You may view and print a copy of the pages for your own reference, but you may not modify, republish or exploit the content for a commercial purpose without written permission. Nothing in these terms transfers any intellectual property right to you.

11. Third Party Links and Services

Where the website refers to a professional body, a regulator or a service that may be useful to a borrower, that reference is provided in good faith and does not create any relationship between the company and the third party. The company does not receive a payment for a link that is placed for information, and it does not accept responsibility for the accuracy of an external page. A visitor who follows a link leaves the website of the company and should review the terms that apply at the destination.

The website may contain links to third party sites or services that are not under the control of the company. Such links are provided for convenience only, and the company does not endorse the content of an external site or accept responsibility for its practices. If you choose to interact with a third party, you do so under the terms and privacy policy of that party. The company encourages you to review those terms before providing information or entering into an arrangement with a third party.

12. Availability and Changes

The company may add a new facility, withdraw a facility that is no longer offered, or revise the description of a service at any time. Where a change affects an existing borrower, the written agreement that governs the facility will describe the process, and the company will give reasonable notice of a change that is to the disadvantage of the borrower. The company is not liable for a loss caused by an interruption to the website that is outside its reasonable control, including an interruption caused by a utility, a network operator or an event of force majeure.

The company aims to keep the website available and accurate, but it does not guarantee uninterrupted access. The website may be unavailable during maintenance, during an upgrade, or because of a factor outside the control of the company. The company may change, suspend or withdraw any part of the website or any service described on it at any time and without notice. Where a change affects an existing facility, the written agreement governing that facility will describe how the change is handled.

13. Disclaimers

An example, an illustration or a worked figure that appears on the website is provided to explain a concept and does not represent an offer or a forecast. The company does not warrant that a facility described on the website will be available at any particular time or on any particular terms. A visitor who relies on information from the website does so at their own risk and should confirm the position with the company before acting. Nothing on the website is intended to exclude a warranty or a right that cannot lawfully be excluded.

The website and its content are provided on an as available basis. To the fullest extent permitted by law, the company disclaims all warranties, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose and non infringement. The company does not warrant that the website will be free of error or of a harmful component, or that any content is complete or current. No statement on the website should be relied on as a promise of a particular outcome, and no figure quoted on the website should be treated as a guaranteed rate or limit.

14. Limitation of Liability

The company does not exclude liability for death or personal injury caused by its negligence, for fraud, or for any other liability that the law does not permit it to exclude. Subject to that, the limitations in this section apply to every claim, whether in contract, in tort, or under a statute, and whether the claim arises from the website or from a service. The company is not liable for a loss that was not reasonably foreseeable at the time the relevant obligation arose, and it is not liable for a loss that a borrower could have avoided by taking reasonable steps.

To the fullest extent permitted by law, CRHD FUND SLP LLC will not be liable for any indirect, incidental, special, consequential or punitive loss, or for any loss of profit, revenue, business or goodwill, arising from your use of the website or from the services of the company. Where liability cannot be excluded, the total liability of the company in connection with the website is limited to the amount of any fee that you have paid to the company for the service giving rise to the claim. Nothing in these terms excludes liability for fraud or for any other liability that cannot lawfully be excluded.

15. Indemnity

The indemnity in this section is a continuing obligation and applies to a claim made after the end of the relationship as well as during it. The company will give the indemnifying party notice of a claim within a reasonable time and will allow that party to participate in the defence of the claim where it is appropriate to do so. The company will not settle a claim in a manner that imposes an admission on the indemnifying party without that party consent, where such consent is required.

You agree to indemnify and hold harmless CRHD FUND SLP LLC and its officers, employees and agents against any claim, loss, liability, cost or expense, including reasonable legal fees, that arises from your breach of these terms, from your misuse of the website, or from information that you supply that is inaccurate or misleading. This indemnity survives the end of your relationship with the company and applies to any claim brought by a third party in connection with your conduct.

16. Suspension and Termination

Suspension of access to the website is a temporary measure and does not by itself end a facility. Termination of a facility is governed by the written agreement for that facility, which will describe the notice that is required and the treatment of any outstanding balance. On termination, the company will provide a final statement of account within a reasonable period and will handle any remaining personal information in accordance with the Privacy Policy.

The company may suspend or terminate your access to the website if you breach these terms, if the company is required to do so by law, or if the company decides to withdraw the website or a service. Termination of website access does not affect any facility that is already in force, which continues to be governed by its own written agreement. Where an agreement is terminated, the provisions that by their nature should survive termination, including those on liability, indemnity and governing law, continue to apply.

17. Governing Law and Disputes

The parties agree that any dispute will be conducted in the English language and that the records of the company, kept in the ordinary course of business, may be relied upon as evidence of the dealings between them. Before formal proceedings are commenced, the parties will attempt in good faith to resolve the matter through a senior representative of each side. A party who commences proceedings without first attempting that discussion may be required to bear the costs of the other side, where the applicable rules allow such an order.

These terms are governed by the laws of the United States and of the state in which the company is established, without regard to its conflict of law rules. The parties agree to attempt to resolve any dispute through good faith discussion before commencing formal proceedings. Where a dispute cannot be resolved by discussion, it will be brought before a court of competent jurisdiction in the place where the company is established, unless a written agreement provides otherwise. Nothing in this clause prevents either party from seeking urgent relief where it is necessary to protect a legal right.

18. General Provisions

Headings in these terms are included for convenience and do not affect the interpretation of a clause. A reference to a statute includes any amendment or replacement of that statute. Where these terms are translated into another language, the English version prevails in the event of a conflict. The company may send a formal notice to the email address or the postal address that a borrower has provided most recently, and a borrower must keep those details current.

These terms, together with the Privacy Policy and any written facility agreement, form the entire understanding between you and the company on the matters they cover. If a provision of these terms is found to be invalid or unenforceable, the remaining provisions continue in full force, and the invalid provision is read in a manner that best reflects its original intent. A failure by the company to enforce a provision on one occasion does not waive its right to enforce it later. You may not assign your rights under these terms without the written consent of the company, while the company may assign its rights to a successor in connection with a reorganisation or a transfer of its business. Nothing in these terms creates a partnership or an agency between you and the company.

19. How to Reach the Company

The company welcomes a question about these terms from any visitor, applicant or borrower and will answer it in clear language. Where a question concerns a specific facility, the company may ask for the reference number of that facility so that the correct agreement can be reviewed. A request for a copy of these terms in another format may be made to the same address and will be met where it is reasonable to do so.

Questions about these Terms of Service may be directed to CRHD FUND SLP LLC by email at contact@crhdfund.mom, by telephone at +14479100116, or by post at 10919 S Secret View Dr, Sandy - 84092-4949, United States (US). The company aims to answer every question promptly and in clear language. Where a question concerns a facility that is already in force, the company may refer you to the written agreement that governs it for the specific terms that apply.