Terms & Conditions

Last Updated: April 3, 2026

Welcome to RUHL INVESTMENT GROUP LLC. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing this website or submitting a funding application, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our services.

2. Services Overview

RUHL INVESTMENT GROUP LLC is a direct business lender providing financing solutions to businesses, including but not limited to:

• Working capital loans
• Equipment financing
• Revenue-based financing
• Business expansion loans
• Invoice factoring

All funding decisions are made at our sole discretion based on underwriting criteria, creditworthiness, and business performance.

3. Eligibility and Application

Minimum Requirements

To be eligible for funding, your business must generally meet the following criteria:

• Operating for at least 6 months (some products require 2+ years)
• Minimum monthly revenue as specified for each product
• Legal entity registered in the United States
• Owner(s) with acceptable credit and background

Application Process

By submitting an application, you represent and warrant that:

• All information provided is accurate, complete, and truthful
• You are authorized to bind the business to any agreements
• You will provide additional documentation as requested
• You consent to credit checks and background verification

Submission of an application does not guarantee approval. We reserve the right to decline any application for any reason.

4. Funding Terms

If your application is approved, you will receive a funding offer outlining:

• Loan or financing amount
• Repayment terms and schedule
• Interest rates, fees, and total cost
• Collateral requirements (if applicable)
• Personal guarantees (if applicable)

You are not obligated to accept any offer. Once you sign the funding agreement, you agree to repay the funds according to the terms specified in that agreement.

5. Fees and Charges

Our fees vary by product and are fully disclosed in your funding agreement. Potential fees may include:

• Origination fees
• Processing fees
• Late payment fees (if applicable)
• Prepayment penalties (disclosed upfront if applicable)

There are no hidden fees. All costs will be clearly outlined before you sign any agreement.

6. Repayment and Default

You agree to repay all funds according to the schedule and method outlined in your funding agreement. Failure to make timely payments may result in:

• Late fees and penalties
• Negative impact on your credit score
• Collection actions
• Legal proceedings to recover outstanding amounts

If you experience financial difficulty, contact us immediately to discuss your options.

8. Use of Website

You agree to use our website only for lawful purposes. You may not:

• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Use automated systems (bots, scrapers) to access our site
• Transmit viruses, malware, or harmful code
• Violate any applicable laws or regulations

9. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of RUHL INVESTMENT GROUP LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

10. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or control these sites and are not responsible for their content, privacy practices, or terms of use. Use third-party sites at your own risk.

11. Disclaimers

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee:

• That our website will be error-free or uninterrupted
• That information on our website is accurate or complete
• That any particular funding amount or terms will be available to you

12. Limitation of Liability

To the fullest extent permitted by law, RUHL INVESTMENT GROUP LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or services, even if we have been advised of the possibility of such damages.

13. Indemnification

You agree to indemnify, defend, and hold harmless RUHL INVESTMENT GROUP LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our services, violation of these Terms, or violation of any third-party rights.

14. Governing Law and Dispute Resolution

These Terms & Conditions are governed by the laws of the State of Indiana, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in Hamilton County, Indiana, in accordance with the rules of the American Arbitration Association.

15. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of our services after such changes constitutes acceptance of the new terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any signed funding agreements, constitute the entire agreement between you and RUHL INVESTMENT GROUP LLC regarding your use of our services.

18. Contact Us

If you have questions about these Terms & Conditions, please contact us:

RUHL INVESTMENT GROUP LLC
9940 Allisonville Rd
Fishers, IN 46038
Email: dustin@ruhlinvestmentgroup.com