⚠ Important Notice: Franklin Funding Is NOT a Lender

Franklin Funding (workingcapitalelpaso.com) is a digital lead generation and marketing platform. We are NOT a bank, credit union, licensed lender, mortgage broker, or financial institution. We do not originate loans, extend credit, make lending decisions, set interest rates, or collect loan payments.

By submitting an application or inquiry through this website, you are authorizing Franklin Funding to share your information with independent, third-party lenders and financial service providers who may contact you regarding potential funding options. Submission of an application does not guarantee approval, funding, or any specific loan terms.

Federal Trade Commission (FTC) Affiliate Compensation Disclosure

In accordance with the Federal Trade Commission's Guidelines Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255) and the FTC Act (15 U.S.C. §45), Franklin Funding discloses the following material relationship:

Affiliate Compensation Disclosure: Franklin Funding earns compensation when visitors click on certain links on this website and subsequently apply for or obtain financial products or services from our affiliated lending partners. This compensation may come in the form of referral fees, cost-per-click payments, cost-per-lead payments, or commission-based compensation from the following affiliate partners:

  • ROK Financial — Business financing solutions up to $500,000. Franklin Funding may earn a referral commission when users apply through our tracked link. (Apply Here)
  • QuickBooks Capital (Intuit) — Small business loans integrated with QuickBooks accounting. Franklin Funding participates in the QuickBooks partner program and may earn compensation for qualified referrals. (Apply Here)

The existence of this affiliate compensation relationship does not influence our editorial content, lending comparisons, or recommendations. We do not rank or prioritize partners based solely on compensation received. All affiliate links on this site are labeled with rel="nofollow sponsored" in accordance with Google Webmaster Guidelines.

We strive to provide accurate, objective information about business financing options. However, because Franklin Funding earns revenue from referrals, you should independently verify all information, rates, and terms directly with any lender before making financial decisions.

No Financial, Legal, or Tax Advice

All content published on workingcapitalelpaso.com — including blog articles, service page descriptions, glossary definitions, FAQs, and any other written material — is provided for general informational and educational purposes only. Nothing on this website constitutes:

  • Financial advice or recommendations tailored to your individual financial situation
  • Legal advice or legal counsel
  • Tax advice or tax guidance
  • Investment advice within the meaning of the Investment Advisers Act of 1940
  • Credit counseling services as defined under applicable state or federal law

Before making any financial decision — including applying for a business loan, asset-based credit facility, invoice factoring arrangement, or any other financing product — you should consult with a qualified and licensed financial advisor, attorney, CPA, or other professional appropriate to your specific circumstances.

No Guarantee of Loan Approval or Funding

Franklin Funding makes no representations or warranties that any business or individual will be approved for financing, receive any particular loan amount, qualify for any specific interest rate, or obtain funding on any specific timeline. All lending decisions are made exclusively by the independent third-party lenders in our network, based on their own underwriting criteria, credit policies, and risk assessments.

Factors that lenders independently assess include, but are not limited to: business revenue and cash flow, personal and business credit scores, time in business, collateral value (for asset-based lending), debt-service coverage ratio (DSCR), loan-to-value ratio (LTV), industry type, and state of incorporation or operation.

Stated funding timelines (e.g., "24–48 hour decisions") are estimates based on typical processing times reported by our lending partners and are not contractual guarantees. Actual timelines may vary based on application completeness, document verification requirements, and individual lender processing capacity.

Interest Rate, Fee, and Term Disclaimers

Any interest rates, annual percentage rates (APR), factor rates, fees, loan amounts, or other financial terms referenced on this website are provided for illustrative purposes only and represent general market ranges. Actual rates and terms offered to individual applicants will vary significantly based on creditworthiness, collateral, business profile, and lender-specific pricing models.

Business loans, including asset-based loans, bridge loans, merchant cash advances, and invoice factoring products, may carry substantially higher effective interest rates than traditional bank financing. Always calculate the total cost of financing — including all fees, points, origination charges, and interest — before accepting any funding offer.

Texas Regulatory Notice

The State of Texas does not currently require state-level licensing for commercial lenders making business-purpose loans. However, the following federal laws and regulations apply to commercial lending activities referenced on this website:

  • Truth in Lending Act (TILA), 15 U.S.C. §1601 et seq. — TILA disclosure requirements may apply to certain loan products depending on their classification as consumer or commercial credit.
  • Equal Credit Opportunity Act (ECOA), 15 U.S.C. §1691 — Lenders in our network are prohibited from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or other protected characteristics.
  • Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 — Credit inquiries and reporting practices are governed by the FCRA when applicable.
  • Gramm-Leach-Bliley Act (GLBA) — Data privacy and security obligations may apply to lenders who receive application information through this platform.

Texas usury laws (Texas Finance Code Chapter 302) establish maximum lawful interest rates for certain loan types. Commercial loans may be exempt from state usury caps under certain conditions. Consult a Texas-licensed attorney for guidance on specific loan structures.

Third-Party Links and External Websites

This website contains links to third-party websites, including government agencies (.gov), educational institutions (.edu), and commercial websites. These links are provided for informational purposes and as citation sources. Franklin Funding does not control, endorse, or take responsibility for the content, privacy practices, or accuracy of information on any third-party website.

Links designated with rel="nofollow sponsored" indicate affiliate or paid referral relationships. Links designated with rel="nofollow" indicate external links provided for informational purposes where no commercial relationship exists.

Privacy and Application Data Usage

When you submit a loan application, inquiry form, or contact request through this website, your information may be shared with one or more third-party lenders, financial services companies, or their agents for the purpose of evaluating your financing request. By submitting your information, you consent to this sharing and to being contacted by these third parties via phone, email, or text message regarding your application.

Franklin Funding uses Rybbit Analytics (a privacy-focused, cookieless analytics platform) to measure site traffic and user behavior. This tool does not store personally identifiable information or use tracking cookies for advertising purposes.

Testimonials and Performance Claims

Any testimonials, case studies, or performance examples referenced on this website reflect the experiences of individual users and do not represent typical or guaranteed results. Individual results will vary significantly based on business type, financial profile, asset quality, and market conditions. Testimonials are not compensated unless expressly disclosed.

Limitation of Liability

To the maximum extent permitted by applicable law, Franklin Funding, its operators, affiliates, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

  • Your use of or reliance on information published on this website
  • Any lending decision made by a third-party lender in our network
  • Any loan product you accept or decline based on information found here
  • Any errors, inaccuracies, or omissions in our content
  • Any interruption or inaccessibility of this website

Your use of this website is at your sole risk. All information is provided "as is" without warranty of any kind, express or implied.

Effective Date and Contact Information

This disclaimer and disclosure page is effective as of January 2026 and supersedes any prior versions. We reserve the right to update or modify this page at any time without prior notice. Continued use of this website following any changes constitutes acceptance of the updated terms.

For questions regarding these disclosures, please contact:

Franklin Funding
Email: info@workingcapitalelpaso.com
Phone: (888) 653-0124
Hours: Monday–Friday, 8:00am–6:00pm MST