Credit Report Authorization

By clicking on the “Continue” button, each of the business and its owner or officer whose name(s) you have entered in this loan application (individually and collectively, “you”) authorize Facila Capital, its affiliates, and other unaffiliated third parties with which Facila Capital works (individually and collectively, “us,” “our” or “we”) to obtain consumer or personal and business credit reports, references, and other information about you from credit bureaus and other third parties. By electing to continue, you authorize us to obtain your credit report. We may obtain your credit report more than once during the application process (if, for example, we determine based on the amount of time that has elapsed that we need to obtain a new credit report). Further, if you are a sole proprietor or are organized as a general partnership, you acknowledge and understand that we may perform a hard inquiry of credit in connection with underwriting your loan, and additional times during the application if needed and as described in the previous sentence, and you acknowledge and understand that obtaining your credit report might impact your credit score or credit ranking. After the loan is made, we may also obtain your credit report from time to time in connection with the servicing, collection, or enforcement of the loan, and for other reasons permitted by law. You further authorize us to verify information in your credit report or otherwise submitted to us in connection with your loan application, and you agree that we may contact third parties to verify any such information. Upon request, you will be informed whether or not a consumer report was requested, and if such report was requested, the name and address of the consumer reporting agency that furnished the report.

We may use your credit report for any lawful purpose, including, without limitation, for authentication purposes, to verify fraudulent activity with the U.S. Department of the Treasury Office of Foreign Asset Control lists, to make credit decisions, and for related purposes. In the event your loan application is approved for listing on our marketplace, you agree that we may share certain information derived from your credit report, loan application, this Form or other information collected from you during the loan application process with third parties. Such information will be displayed on our marketplace with your listing in a depersonalized manner, and will only be viewable by institutional or accredited registered investors.

You answered all items in this loan application fully, accurately and completely; You are authorized to submit this loan application and enter into credit arrangements on behalf of the person and/or business whose name(s) you have entered in this loan application; and you understand that this loan application does not commit us to making a loan.