Terms of Use

Acceptance of Terms

By accessing or using capitalxo.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Site. This Site is intended for business users age 18 and older.

About CapitalXO

CapitalXO, LLC is a Florida limited liability company that operates a commercial capital intelligence platform. We provide educational content, research, and tools related to business financing. CapitalXO is not a lender, bank, or financial institution. We do not make loans, extend credit, or provide financial advice. We connect businesses with financing solutions through our network of lending partners.

Informational Purposes Only

All content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes financial advice, legal advice, tax advice, or an offer to lend. Financing terms, rates, and availability described on this Site are representative examples and may not reflect current market conditions or specific offers available to you.

Your use of this Site does not create a client, fiduciary, advisory, or professional relationship between you and CapitalXO.

No Guarantee of Financing

Submitting an inquiry through our Site does not guarantee approval for any financing product. All lending decisions are made by our lending partners based on their own underwriting criteria. CapitalXO does not guarantee the accuracy of any lending partner information or the availability of any financing product.

Intellectual Property

All content on this Site, including text, graphics, data, and design elements, is owned by CapitalXO or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

Third-Party Links

This Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites. Inclusion of a link does not imply endorsement.

Limitation of Liability

To the fullest extent permitted by law, CapitalXO shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any information provided. This includes, without limitation, damages for lost profits, business interruption, or loss of data.

Indemnification

You agree to indemnify and hold harmless CapitalXO, its owners, employees, and affiliates from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

Dispute Resolution

Any dispute arising out of or relating to these Terms shall be resolved through binding arbitration in the State of Florida, except where prohibited by law.

Data Licensing

Data tables, charts, and statistical summaries published in the CapitalXO Data Insights section (/data/) are licensed under the Creative Commons Attribution 4.0 International License (CC BY 4.0). You are free to share and adapt this data for any purpose, including commercial use, provided you give appropriate credit.

Attribution requirement: cite "CapitalXO" as the source and include a link to the original page. Example: "Source: CapitalXO, capitalxo.com/data/business-loan-interest-rates/"

This license applies to the data and its presentation. It does not extend to editorial analysis, article text, site design, branding, or other intellectual property, which remain subject to the general Terms above.

Underlying source data (Federal Reserve, SBA, U.S. Treasury, Census Bureau) is in the public domain and subject to the terms of the originating agency.

Modifications

We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law provisions.

Contact

For questions about these Terms, contact us.

Effective date: February 28, 2026