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Aureon Financial Pre-Qualification

Please fill out all the fields in the form below to receive your conditional loan pre-approval.

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Purpose of Loan*

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How much funding are you seeking? *

Annual Income Business/Individual as applicable*

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Disclosure: This website contains affiliate and other links including third party service providers such as Plaid, Microbilt, PFG and Checkbook. We may receive a commission or compensation at no additional cost to you in addition to the flat fee. Aureon is an independent financing facilitator and not a lender. Our recommendations are based on our own research and professional judgement.

I understand that by clicking on the I AGREE button immediately following this notice, I am providing “written instructions” to Aureon Financial LLC under the Fair Credit Reporting Act authorizing Aureon Financial LLC to obtain information from my personal credit profile or other information from MicroBilt. I authorize Aureon Financial LLC to obtain such information solely to prequalify me for credit options through its lending portal. Credit Information accessed for my pre-qualification request may be different than the Credit Information accessed by a credit grantor on a date after the date of my original pre-qualification request to make the credit decision.

Please note that a personal loan requires 2 years of tax returns showing more than $50,000 / year in income and a Fico Score of 680+. The corporate credit card requires stated income (no tax returns) of $75,000/year or more and a personal FICO score of 700+. One of our funding team members will reach out to you in 48 hours or less to complete your loan process and collect any additional information required.

Role: We act as a financing facilitator/funding consultant and match applicants with third party lenders within the PFG network.

No Upfront Fees: Neither we nor any of our affiliates charge upfront payments, application fees, or cancellation fees.

Estimated Terms: Offers are typically unsecured with terms of 5-7 years. All final rates and terms (including Annual Percentage Rate "APR") where required by state law, will be disclosed by the direct lender through PFG at the time a specific offer is made.

No Guarantees: Funding is not guaranteed and is subject to credit approval (typically requiring a 680+ score for individuals).

Compliance information: For residents of California, New York and Utah: All commercial financing offered will include standardized disclosures including total cost of capital.

TERMS AND CONDITIONS

1. Agreement

1.1) These Terms & Conditions1 ("T&Cs") are a legal agreement between Customer and Checkbook Inc., ("Checkbook") and govern Customer's use of Checkbook's payment processing services, software, programs, documentation, tools, hardware, components, updates (including software maintenance, service information, help content, bug fixes or maintenance releases), websites, cloud-based solutions and other products and services provided by Checkbook.
1.2) Because Checkbook offers the Services through Checkbook's website, mobile applications and integrations with third-party websites and mobile applications("Platform", "Platforms", "Platform Partners"), the Platform Partners' terms of service and privacy policies apply to Customer's use of the Services.
1.3) Customer must agree and accept these T&Cs, all policies referenced herein, and those found on its website www.checkbook.io, which are incorporated herein as fully set forth, ("Policies") in order to use the Services. Customer accepts these T&Cs by:
- 1.3.1) using the Services; and
- 1.3.2) clicking to accept and agree to these T&Cs when this option is provided in the user interface for a Service
2. Definitions: The capitalized terms used in this Agreement shall have the meanings as set forth below.
- 1. Account means
  - 1.1) In a custodial model it is the account from where funds are sent.
  - 1.2) In a non custodial model it is the source account for funds
- 2. API means application programming interface.
- 3. Card Scheme means VISA U.S.A., Inc., VISA International, Inc., MasterCard International, Inc., or any other payment network, as well as any other card issuer that provides credit or debit cards that are accepted under this Agreement.
- 4. Card Scheme Rules means the operating rules and regulations, requirements, and terms and conditions of the Card Schemes or Debit Networks presently in effect and as they may be amended from time to time.
- 5. Checkbook Services means a digital payment platform that enables businesses and individuals to send, request, and receive payments.
- 6. Check21 means the Check Clearing for the 21st Century Act, 12 U.S.C. §§ 5001-5018, and related regulations, which govern electronic check settlement.
- 7. Data Privacy and Information Security Addendum is attached hereto as Exhibit C and incorporated herein as though fully set forth.
- 8. Debit Networks means the networks that exist to facilitate debit card transactions. e.g., Interlink, Maestro, and Pulse owned by Visa, Mastercard, and Discover respectively. There are also debit card networks that are independent of the major card brands, like Star and Accel.
- 9. Digital Check means an online representation of a paper check as an instrument of payment, which functionally corresponds to a check as defined by Check21, and may be used to send or receive payment(s). The regulations applying to settlement of such a payment may vary based on the Network or mechanism used e.g. NACHA rules for ACH settlement, Check21 rules for Check settlement, Card Scheme Rules for VISA/MC settlement etc.
- 10. Financial Services Provider ("FSP") means a business/institution that conducts payment settlement operations on one or more of the payment Networks. Usually this will be a licensed Financial Institution, i.e., a bank or similar entity.
- 11. NACHA/ACH means the operating rules and regulations, requirements, and terms and conditions of the ACH network as enunciated by NACHA, i.e. the authority responsible for regulatory guidance on the ACH network and its operations.
- 12. Network means any payment settlement network that governs payment processing, including but not limited to, the ACH network, Fedwire®, Check21 network, The Clearing House, and VISA/Mastercard Network.
- 13. Operating Regulations means rules governing the processing of transactions for the Network(s) used to process such transactions.
- 14. Payment Dispute means a disagreement pertaining to a payment transaction facilitated by Checkbook under these T&Cs.
- 15. PII means information that can be used to identify a specific individual, such as their name, email, phone, bank account number and other identifiers, or other data that, when combined, could reasonably lead to the identification of a person.
- 16. Platform Partner means a business entity in the United States or overseas that has a business relationship with Checkbook to process payments and other financial services for Checkbook.
- 17. Policies means all policies referenced herein and those found on Checkbook's website at www.checkbook.io which are incorporated herein as though fully set forth.
- 18. Pricing Agreement is attached hereto as Exhibit A and incorporated herein as though fully set forth.
- 19. Service Level Agreement is attached hereto as Exhibit B and incorporated herein as though fully set forth.
- 20. Transaction Fee(s) means a fixed fee for each transaction in the Checkbook Services and are set forth on Exhibit A.
3. Registration
- 3.1) To create its Checkbook account ("Account") Customer must register with Checkbook, and provide information, including but not limited to name, email address, and a self-selected password. Customer must also provide account information for at least one verified U.S. business bank account. Customer represent and warrant that the information provided is complete, accurate, and up to date. Businesses shall provide information, which may include but is not limited to street address, telephone number, tax identification number and for at least one principal of the Business their social security number, date of birth and other identifying information. Customer agrees to provide supplemental documentation upon request (including but not limited to: articles of incorporation; business license; beneficial owner's passport; beneficial owner's driver's license; etc.).
- 3.2) Customer authorizes Checkbook, directly and through third parties, to make inquiries and verify that the information provided is accurate (e.g., social media and third party databases). Customer expressly authorizes Checkbook to request a credit report that contains a Customer's beneficial owner's name and address.
- 3.3) Checkbook reserves the right to deny use of the Services, change the account type, suspend, terminate, or close an Account of a Customer that provides information that cannot be verified, is inaccurate, untrue, incomplete or who fails to comply with a request for additional information and otherwise fails to comply with the registration requirements.
4. Customer's passwords and account security: Customer is fully responsible for maintaining the secrecy and security of Customer's Account access credentials. Customer is responsible for all use of or action taken using Customer's Account access credentials, including but not limited to any actions taken by persons to whom it has granted access. If Customer becomes aware of any unauthorized use of its password or of its account, Customer agrees to notify Checkbook immediately.

5. Checkbook's Role and Customer's Responsibilities
- 5.1) Checkbook is a Payment Service Provider ("PSP") for any payment settlement network that governs payment processing ("Network" or "Networks"), including but not limited to, the ACH network, Fedwire®, Check21 network, The Clearing House, VISA/Mastercard Network, SWIFT®, and other debit, credit and return transactions ("Transactions"). Checkbook is not a bank, money transmitter, or Money Services Business ("MSB"). Checkbook may act as end user's (i.e. Payee's) agent in so far as collecting payments/funds from Payors. When Checkbook acts as the 'Agent of Payee,' it will notify the Payee once funds have been received from the Payor(s). Upon receiving this notice, the Payee agrees to treat the payment as received from the Payor(s) and apply it to the corresponding balance owed. In the case where Checkbook acts as "Agent of Payee" it will inform Payee when it has collected funds/payments from the Payor(s) and the Payee agrees to credit the Payors' account(s) at the time Checkbook provides such confirmation.
- 5.2) Checkbook does not assume liability for fraud, originator or receiver side of the Transaction. Checkbook will use commercially reasonable methods for delivery of payments pursuant to instructions provided by the originator. Checkbook is not responsible for incorrect disbursement/collection of payments by a recipient so long as Checkbook follows the payment instructions provided by the originator.
- 5.3) CHECKBOOK IS NOT RESPONSIBLE FOR FRAUD, MIS-DISBURSEMENT OR OTHER WRONGFUL DISPOSITION OF FUNDS CAUSED BY ACTION OF ANOTHER.
- 5.4) As a PSP, Checkbook collects, analyzes and relays information generated in connection with payments to and from Checkbook's Customers. Customer authorizes Checkbook to provide such information to financial service providers ("FSP" or "FSPs") in order for the FSP to facilitate payments from and to its users through the various payment Networks. As a result Checkbook through its FSP conducts the settlement of Checkbook's Customers Network Transactions. Checkbook does not hold or own funds in connection with the Services, nor does Checkbook transmit money or monetary value. In connection with the Checkbook Services, Checkbook does not actually or constructively receive, take possession of or hold any money or monetary value for transmission, and does not advertise, solicit or hold itself out as receiving money for transmission.
- 5.5) As a PSP, Checkbook enters into agreements with Networks and FSPs. Customer is not a third-party beneficiary of these agreements. Each Network and FSP is a third-party beneficiary of these T&Cs and may enforce these T&Cs against Customer. Some third parties may require a direct agreement with Customer. If Customer is required to enter into such an agreement and, if it declines to do so, Checkbook may suspend or terminate Customer's Account.
- 5.6) If the originated payment is settled through the Check21 network, either by Customer or by Checkbook, Checkbook will create a paper version of the check being used for payment and store it in a vault. This check will be stored in compliance with applicable statutory regulations and guidelines.
- 5.7) If Customer is using the Checkbook Recurring Payments (the feature within the Checkbook platform that allows users to automatically send out payments at set intervals to the same recipient, essentially setting up a recurring billing schedule) or Checkbook Invoices (the digital invoices generated through the platform to request payment from a recipient, which can also be configured to include recurring billing options for consistent payments), Customer agrees that it is its responsibility to comply with applicable laws, including the Electronic Funds Transfer Act (a.k.a. Reg. E), including by capturing its customers' agreements to be billed on a recurring basis. Customer may not resell any hardware provided to Customer by Checkbook or a third party for use with the Checkbook Services.
- 5.8) Customer has an independent obligation to comply with all applicable laws and regulations related to the Checkbook Services. Customer expressly acknowledges and agrees it is assuming the risk of its non-compliance with the Operating Regulations.
6. Representations & Warranties
- - 6.1) Checkbook represents, warrants and undertakes that:
  - 1. it has the full right, power, legal capacity and authority to perform its obligations under these T&Cs, and by entering into these T&Cs, it will not conflict with, or breach the terms, conditions or provisions of, or default under any other agreement to which it is a party;
  - 2. there is no action, suit or proceeding at law or in equity now pending or, to the its knowledge, threatened by or against or affecting it which would substantially impair its right to carry on its business as contemplated herein or adversely affect its financial condition or operations;
  - 3. it complies and shall continue to comply with all applicable legislation, regulations and any and all directives, standards and/or guidelines of any applicable regulatory, governmental or other authority, card scheme or payment network or other (including PCI Security Standards Council) relating to its obligations pursuant to these T&Cs;
  - 4. it has and shall maintain (as applicable) for the duration hereof all necessary licenses, consents and approvals for the provision of the Checkbook Services in accordance with these T&Cs;
  - 5. in undertaking its obligations pursuant to these T&Cs it will exercise at least the same degree of competence and professionalism which would reasonably and ordinarily be expected from a skilled and experienced operator engaged in the same type of business as Checkbook under the same or similar circumstances, but in no event with less than reasonable care;
  - 6. the Checkbook Services will not infringe the intellectual property rights of any person in any jurisdiction and under any applicable law;
  - 7. it shall not sell, resell, assign or otherwise transfer rights to, use, reproduce, decompile, reverse engineer, modify or distribute any proprietary information of Customer that is not expressly authorized in these T&Cs or elsewhere.
- - 1. it has the full right, power, legal capacity and authority to perform its obligations under these T&Cs, and by entering into these T&Cs, it will not conflict with, or breach the terms, conditions or provisions of, or default under any other agreement to which it is a party;
  - 2. there is no action, suit or proceeding at law or in equity now pending or, to the its knowledge, threatened by or against or affecting it which would substantially impair its right to carry on its business as contemplated herein or adversely affect its financial condition or operations;
  - 3. it complies and shall continue to comply with all applicable legislation, regulations and any and all directives, standards and/or guidelines of any applicable regulatory, governmental or other authority, relating to its obligations pursuant to these T&Cs;
  - 4. in undertaking its obligations pursuant to these T&Cs it will exercise at least the same degree of competence and professionalism which would reasonably and ordinarily be expected from a skilled and experienced operator engaged in the same type of business as Customer under the same or similar circumstances, but in no event with less than reasonable care;
  - 5. Customer shall not sell, resell, assign or otherwise transfer rights to, use, reproduce, decompile, reverse engineer, modify or distribute any proprietary information of Checkbook that is not expressly authorized in these T&Cs; and
  - 6. Customer is not sanctioned by the United States and is not on the U.S. Department of the Treasury's Office of Foreign Assets Control list or any other list where transactions with Customer are prohibited by the United States.
7. Underwriting and Sharing Information

Checkbook may share some or all of the information about Customer and its transactions with its FSP(s), Networks and other Platform Partners (and their respective affiliates, agents, subcontractors, and employees), who may use this information to perform their obligations under their agreements with Checkbook, to operate and promote their respective networks, to perform analytics and create reports, to prevent fraud, and for any other lawful purpose.

8. API Developer Relationship with Checkbook
- 8.1) In the event that Customer chooses to use Checkbook's API to retrieve information from or submit requests to Checkbook. If Customer uses the Checkbook API to develop applications and integrate the Checkbook Services into its website or mobile application, then the users that these applications or integrations serve are subject to the terms of these T&Cs.
- 8.2) Checkbook will issue Customer an access token for each user of its website or application who creates an Account. Access tokens are the property of Checkbook, and misuse of access tokens could cause substantial loss and damage to Checkbook.
9. Prohibited Activities

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Aureon Financial Pre-Qualification