1. Acceptance of Terms
By accessing or using workingcapitalelpaso.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and our Disclaimer & Affiliate Disclosures. If you do not agree, do not use this Site.
2. Description of Service
Franklin Funding operates a digital lead generation and lending referral platform connecting El Paso area business owners and real estate investors with independent third-party lenders and commercial finance providers. We are not a lender, mortgage broker, bank, or financial institution. We do not make credit decisions, extend credit, set rates, or guarantee any loan approval or terms. Our service is limited to connecting applicants with potential lenders.
For information on federally regulated commercial lending, the FDIC (fdic.gov) and Consumer Financial Protection Bureau (CFPB) provide authoritative resources on lending rights.
3. Eligibility
This Site is intended for:
- Business owners operating legitimate commercial enterprises in El Paso, TX and surrounding Borderplex communities
- Real estate investors seeking asset-based lending for non-owner-occupied investment properties
- Individuals and entities seeking commercial (not consumer) financing
- Users who are 18 years of age or older
4. Information Accuracy
You agree to provide accurate, complete, and truthful information when submitting applications or inquiries. Providing false or misleading information may constitute fraud under applicable federal and Texas state law, including the Texas Finance Code and applicable federal fraud statutes (18 U.S.C. §1014). Franklin Funding reserves the right to verify information and decline referral services at its sole discretion.
5. Consent to Contact
By submitting an application or inquiry, you expressly consent to be contacted by Franklin Funding and/or our third-party lender partners via telephone (including automated calls and text messages), email, and other means regarding your financing inquiry. This consent applies even if your number appears on a Do-Not-Call registry. Standard message and data rates may apply. Reply STOP to opt out of text messages.
6. Intellectual Property
All content on this Site — text, graphics, logos, images, and software — is the property of Franklin Funding or its content suppliers and is protected by U.S. copyright law. You may view and print content for personal, non-commercial use only. Reproduction, distribution, or creation of derivative works without prior written consent is prohibited.
7. Prohibited Uses
You agree not to:
- Submit false, fraudulent, or misleading applications or information
- Engage in any activity that violates applicable federal, Texas, or local law
- Scrape, harvest, or systematically collect data from this Site
- Attempt to gain unauthorized access to any Site infrastructure
- Transmit malware, viruses, or harmful code
- Use this Site for competitive intelligence on behalf of competing lead generation platforms
8. Affiliate Links and Compensation
This Site contains affiliate links to third-party lenders including ROK Financial and QuickBooks Capital (Intuit). Franklin Funding earns compensation when users apply for or obtain financial products through these links, as disclosed in our Affiliate Disclosure. Third-party sites are governed by their own terms and privacy policies.
9. Disclaimer of Warranties
THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FRANKLIN FUNDING DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FRANKLIN FUNDING AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS SITE, ANY LENDING DECISION BY A THIRD-PARTY LENDER, OR ANY CONTENT OR SERVICES OBTAINED THROUGH THIS SITE.
11. Indemnification
You agree to indemnify and hold harmless Franklin Funding, its operators, affiliates, and agents from any claims, damages, and expenses (including legal fees) arising from your use of this Site, violation of these Terms, or submission of false information.
12. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any dispute shall be resolved exclusively in the state or federal courts located in El Paso County, Texas. You consent to personal jurisdiction in El Paso County, Texas.
13. Modifications
Franklin Funding reserves the right to update these Terms at any time. The effective date reflects the most recent update. Continued use after modifications constitutes acceptance of the revised Terms.
14. Contact Information
Franklin FundingEmail: info@workingcapitalelpaso.com
Phone: (888) 653-0124
Hours: Monday–Friday, 8:00am–6:00pm MST