Credit Authorization

Three Stags Equipment Solutions LLC (“Three Stags,” “we,” “us,” or “our”) provides commercial equipment financing referral and coordination services through relationships with independent third-party financing providers.

This Credit Authorization Disclosure explains how credit information may be requested, accessed, and used during the commercial equipment financing process. It also distinguishes the role of Three Stags from that of independent financing providers.

This disclosure is informational and does not, by itself, authorize any party to obtain a consumer credit report.

1. Three Stags Is Not a Lender

Three Stags is not a bank, direct lender, consumer reporting agency, or provider of financing from its own funds.

Three Stags does not independently obtain consumer credit reports, perform hard or soft credit inquiries, assign credit scores, conduct lender underwriting, or make financing approval or funding decisions.

All credit evaluations, financing eligibility determinations, rates, terms, approvals, and funding decisions are made independently by the applicable third-party financing provider.

2. Financing Information and Referrals

When you submit a commercial equipment financing inquiry or application, Three Stags may collect information concerning your business, ownership, equipment needs, requested financing amount, financial circumstances, and other information relevant to your request.

With appropriate authorization, Three Stags may share relevant business, contact, financial, and application information, including supporting documentation, with one or more independent third-party financing providers for purposes of evaluating potential commercial equipment financing options.

Financing providers may request additional documentation or information directly from applicants, business owners, principals, or proposed guarantors.

Authorization to share application information is separate from any authorization required to obtain a consumer credit report.

3. Credit Inquiries by Financing Providers

Independent financing providers may review business and personal credit information in connection with commercial equipment financing applications.

Depending on the provider, financing product, and stage of review, a credit evaluation may involve:

• A soft consumer credit inquiry.

• A hard consumer credit inquiry.

• A business credit report or commercial credit evaluation.

• Verification of business ownership, financial information, or creditworthiness.

• Other underwriting or identity-verification procedures permitted by applicable law.

Hard consumer credit inquiries may affect an individual's credit score.

Independent financing providers are responsible for ensuring that their credit inquiries have a permissible purpose and comply with the Fair Credit Reporting Act and other applicable requirements, including obtaining authorization where required.

Three Stags does not determine which credit inquiry method a financing provider uses and does not independently access the resulting consumer credit report.

4. Credit Report Authorization

Visiting the Three Stags website, reviewing this disclosure, submitting a general financing inquiry, or authorizing Three Stags to share application information does not automatically authorize Three Stags or an independent financing provider to obtain a consumer credit report.

Where a financing provider requires a credit authorization, that authorization must be obtained through the applicable provider's application, agreement, or another legally sufficient process.

Applicants should carefully review any credit authorization before agreeing to it, including the identity of the authorized parties, the information that may be obtained, and the purposes for which it may be used.

Three Stags does not independently request or obtain consumer credit reports.

5. Business Owners, Principals, and Personal Guarantors

Commercial equipment financing providers may require identifying, financial, or credit-related information about business owners, principals, or proposed personal guarantors.

Depending on the proposed financing arrangement, providers may evaluate an individual's creditworthiness or require a personal guarantee.

Any personal guarantee, credit authorization, or related financial obligation must be established through the applicable financing provider's documentation.

Submitting an inquiry or application to Three Stags does not automatically create a personal guarantee, personal liability for repayment, or a binding financing obligation.

Applicants must have appropriate authority before providing another individual's sensitive identifying or financial information.

6. Accuracy and Authorization of Information

Applicants and business representatives are responsible for providing information that is accurate, complete, and truthful to the best of their knowledge.

Individuals submitting information on behalf of a business represent that they have appropriate authority to do so.

Applicants must not submit another individual's personal, financial, or credit-related information without appropriate authorization and any legally required permission.

Three Stags may request clarification or additional documentation when reasonably necessary to facilitate a financing referral.

We may decline to process incomplete, inaccurate, unauthorized, or potentially fraudulent submissions.

7. Financing Decisions and Approval

Independent financing providers establish their own underwriting standards, eligibility criteria, credit requirements, financing structures, rates, fees, repayment terms, and funding conditions.

Three Stags cannot guarantee:

• Financing approval or funding.

• Specific interest rates, factor rates, or financing terms.

• Qualification for a particular financing program.

• Whether a provider will perform a soft or hard credit inquiry.

• Equipment eligibility or acceptance.

• A particular credit decision or processing timeline.

Any preliminary financing discussion, payment illustration, or eligibility assessment is informational and does not constitute a binding financing offer.

Applicants should review all financing disclosures and agreements before accepting an offer.

8. Privacy, Information Sharing, and Security

Personal, business, and financial information submitted to Three Stags is handled in accordance with our Privacy Policy and applicable information-sharing authorizations.

Information may be shared with independent financing providers for legitimate financing evaluation purposes, subject to applicable law and the authorization provided during the application process.

Independent financing providers maintain their own privacy notices, security practices, and information-retention requirements.

Applicants should use designated secure document-submission methods when providing sensitive identifying or financial information.

Do not transmit Social Security numbers, banking credentials, identity documents, or other highly sensitive information through general website contact forms or ordinary unencrypted email.

No method of electronic transmission or storage can be guaranteed to be completely secure.

9. Separate Application Acknowledgment

Applicants submitting a formal financing application may be required to acknowledge this Credit Authorization Disclosure and authorize Three Stags to share submitted business, financial, and application information with independent third-party financing providers.

Such acknowledgment and information-sharing authorization are separate from any consent or permissible-purpose requirements applicable to a financing provider's acquisition of a consumer credit report.

Acknowledgment of this disclosure alone does not authorize a credit inquiry.

Any required credit authorization must be obtained separately through a legally sufficient process.

10. No Guarantee or Lending Commitment

A financing referral, preliminary discussion, estimated payment, initial eligibility assessment, or submission of application information does not constitute a binding financing commitment.

Financing offers and commitments, if any, are issued by independent financing providers and are subject to their underwriting requirements, documentation, approval conditions, and contractual terms.

Three Stags does not guarantee approval, funding, or any particular financing outcome.

11. Additional Agreements and Authorizations

This Credit Authorization Disclosure does not replace any additional application, credit authorization, personal guarantee, financing agreement, electronic-delivery consent, or other documentation required by an independent financing provider.

Applicable authorizations and agreements must be presented and obtained in accordance with relevant legal requirements.

Three Stags' separate Terms & Conditions, Privacy Policy, TCPA Consent, and E-Delivery Consent disclosures may also apply to particular services or communications.

The existence of these disclosures does not eliminate the need for affirmative consent where required by law.

12. Changes to This Disclosure

Three Stags may update this disclosure periodically to reflect changes in its referral services, financing relationships, operational practices, or applicable legal requirements.

The current version will be made available through our website.

The “Last Updated” date displayed on this page will indicate when the disclosure was most recently revised.

Where required by applicable law, additional notice or authorization will be obtained before applying material changes to existing information or activities.

13. Contact Information

For questions regarding this Credit Authorization Disclosure or our commercial equipment financing referral process, please contact:

Three Stags Equipment Solutions LLC

50A Northwestern Dr, Unit 3 #17
Salem, NH 03079

Email: info@threestagsequipment.com

Phone: (978) 358-1556

Website: https://threestagsequipment.com