Effective date: December 19, 2025
Utilifin is built for operators. That means we treat your information like it belongs to a real business, because it does.
When you submit the Preliminary Assessment, we may collect basic business and contact information such as business name, state, revenue range, time in business, requested amount, use of funds, estimated credit tier, and your contact details. You can also submit optional notes.
We do not request bank statements, tax returns, IDs, or other sensitive documents through the public website form.
We use your information to review your request for business purpose financing, determine whether it fits our minimum criteria and program exclusions, and contact you about next steps.
Utilifin facilitates business purpose credit only. We do not accept requests for consumer loans, personal loans, student loans, patient financing, or loans secured by residential or commercial real estate.
If you authorize us, we may share your submitted information with third party funding sources and service providers strictly for evaluating and processing your request. We do not sell your information.
If your request qualifies, we will request documents using a secure upload link. We collect only what is needed for the specific transaction and only when required by a funding source.
We use reasonable safeguards designed to protect your information. No system is perfect, but we take security seriously and limit access to need to know.
We retain information only as long as necessary to evaluate your request, manage our relationship, meet recordkeeping needs, and resolve disputes.
You may request that we update or delete your information by contacting us using the contact method listed on our website. We may retain certain records for legitimate business purposes, compliance, or dispute resolution.