Disclosures

We are a broker, not a lender

Financial Lending Specialists D.B.A. FLS Capital Advisors arranges financing through third-party funding sources. We do not lend money and we do not make credit decisions. Every approval, decline, and set of terms comes from the funding source, under its own underwriting criteria.

Nothing on this site is an offer of credit

Program descriptions, amount ranges, and any estimate produced by the pre-qualification questions are indicative only. They are based on unverified information you provide and do not constitute a commitment to lend, an offer, a pre-approval, or a guarantee of any particular amount, rate, or term. All financing is subject to qualification, funding-source review, documentation, and program availability.

Pre-qualification does not affect your credit

The questions in the pre-qualification flow do not trigger a credit inquiry. Nothing you answer there is reported to a credit bureau. If you go on to submit a full application, a funding source may run a credit check as part of its own process — that step is theirs, and it will be disclosed to you before it happens.

Program terms change

Rates, amounts, terms, and eligibility criteria are set by funding sources and change without notice. Materials on this site, including downloadable program sheets, describe programs generally and may not reflect current terms.

How we are paid

FLS is compensated by the funding source that ultimately provides your financing, typically through a commission or fee paid at closing. We do not charge you a fee to prepare, submit, or shop your application. Compensation may vary by funding source and by program, which can affect which offers we bring to you — you are never obligated to accept any offer we present.

State commercial financing disclosures

California, New York, and a small number of other states require a specific, formatted disclosure — covering figures like the total cost of financing and the estimated annual percentage rate — to be given at the time a commercial financing offer is made. Where that requirement applies to an offer arranged through FLS, the funding source making the offer provides it, in the form the applicable law requires, before you accept. FLS's role is to facilitate that process, not to issue the disclosure itself.

Equal opportunity

We do not discriminate on any basis prohibited by law. If a funding source declines an application, it — not FLS — is responsible for providing any notice of the reasons that the law requires.

Contact

Financial Lending Specialists, Inc. D.B.A. FLS Capital Advisors · 777 S Alameda St, Los Angeles, CA 90021

Have a question? Contact us at info@flscapitaladvisors.com