Financing Disclosures

Effective date: November 1, 2026

Independent financing assistance

Phoenix Advisory provides business financing brokerage and advisory assistance. Phoenix Advisory is not a direct lender, does not make credit decisions, and does not guarantee loan approval, rates, terms, or funding.

How Phoenix Advisory is compensated

Phoenix Advisory does not charge business owners a Phoenix Advisory broker fee for arranging a business loan. When a financing transaction funds, Phoenix Advisory may receive compensation directly from the lender. Compensation arrangements can differ by lender and product. Any separate fee-based consulting service, if offered, will be described and agreed to separately before that work begins.

Loan costs and terms

Even when Phoenix Advisory charges no broker fee, lenders or other third parties may charge origination fees, closing costs, appraisal fees, legal fees, or other costs. Applicable costs, rates, repayment obligations, collateral requirements, and guarantees depend on the lender and financing product. Review all lender disclosures and final documents carefully before agreeing to financing.

Applications and lender decisions

Any loan application is subject to the lender's underwriting, verification, eligibility requirements, and final approval. Initial discussions or estimates are not commitments to lend. You decide whether to proceed with a lender or financing offer.

Experience statement

References to more than 1,000 funded loans helped secure over seven years describe the founder's individual career experience at previous companies, not loans funded by Phoenix Advisory. Past experience does not guarantee future funding outcomes.

Questions

For questions about our role, compensation, or the financing process, contact hunter@thephoenixadvisory.com.