Terms & Conditions
Last updated: July 17, 2026
These Terms & Conditions ("Terms") govern your use of crystalonecapital.com (the "Site") and any funding application you submit through it. By using the Site or submitting an application, you agree to these Terms. If you do not agree, please do not use the Site.
1. Who We Are
Crystal One Capital, LLC ("Crystal One Capital," "we," "us," or "our") helps business owners identify commercial funding options, including term loans, working capital advances, equipment leasing, commercial and investment property financing, and merchant cash advance transactions. We work with multiple lending partners on your behalf; the specific lending partner(s) considering your application may vary depending on your business profile and is not guaranteed in advance.
Crystal One Capital also facilitates and accepts enrollment applications for merchant services, including credit and debit card processing and point-of-sale equipment. Merchant services enrollment is provided through Crystal One Capital's processing partners and is subject to those partners' own underwriting, terms, and pricing.
Crystal One Capital, LLC is based in Louisiana and accepts applications from businesses located throughout the United States. Nothing in these Terms should be read as an offer to provide services in any jurisdiction where such an offer would be unlawful.
2. Eligibility
You must be at least 18 years old and authorized to act on behalf of the business submitting the application to use this Site. By submitting an application, you represent that the information you provide is accurate and complete to the best of your knowledge.
3. No Guarantee of Approval or Funding
Submitting an application does not guarantee approval, a funding offer, or any specific rate, term, or amount. All funding decisions are made at the sole discretion of the reviewing lending partner. Crystal One Capital does not guarantee that any lending partner will approve your application or that funds will be disbursed within any specific timeframe.
4. No Upfront Fees; Broker Compensation
Crystal One Capital does not charge applicants a fee to submit a funding application or to be matched with a lending partner. We may receive compensation from a lending partner if your application results in funding. Any fees, interest rates, or terms associated with a specific funding offer will be disclosed to you directly by the lending partner before you accept that offer, and you are not obligated to accept any offer presented to you.
Merchant services enrollment is different: depending on your business's needs, enrolling in card processing may require the purchase or lease of point-of-sale equipment, a payment gateway, or related software from our processing partner. Any such costs, along with processing rates and fees, will be disclosed to you directly by the processing partner before you sign up, and you are not obligated to enroll.
5. Your Application and Authorization
By submitting an application, you authorize Crystal One Capital and its lending partners to obtain consumer or business reports, credit card processor statements, and bank statements from one or more consumer reporting agencies (such as TransUnion, Experian, and Equifax), banks, creditors, and other financial institutions, for the purpose of evaluating your eligibility for funding. You authorize Crystal One Capital to transmit your application and any supporting documents to prospective lending partners for review. See our Privacy Policy for more detail on how your information is collected, used, and shared.
6. Document Submission
You are responsible for the accuracy and legibility of any documents you submit, including government-issued identification, bank statements, and equipment quotes. Do not submit documents belonging to someone else without their authorization.
Most applicants upload their documents directly through the application. If you are unable to upload your bank statements at the time of application, you may instead choose to email them to us within 7 business days using the reference number provided at the end of your application. If we do not receive your statements within that time, your application will be closed as incomplete, and you are welcome to submit a new application at that time. We may verify that the email address sending your statements matches the email address on your application before associating the documents with your file.
7. Credit Checks and Related Contact
By submitting an application, you acknowledge that a consumer reporting agency may independently share limited information about your credit inquiry with other lenders, as described in our Privacy Policy, and that this may result in contact from other lenders or brokers. This is a practice of the credit bureaus, not Crystal One Capital, and Crystal One Capital does not sell your personal information for unrelated third-party marketing purposes.
8. Acceptable Use
You agree not to: submit false or misleading information; use the Site for any unlawful purpose; attempt to gain unauthorized access to our systems or another applicant's information; or interfere with the normal operation of the Site.
9. Intellectual Property
The Crystal One Capital® name, logo, and site content are the property of Crystal One Capital, LLC and may not be copied, reproduced, or used without our prior written consent.
10. Third-Party Lending Partners
Crystal One Capital is not responsible for the acts, omissions, terms, or conditions imposed by independent lending partners. Any agreement you enter into with a lending partner is solely between you and that lending partner, and is governed by the terms that lending partner provides to you directly.
11. Disclaimer of Warranties
The Site and application process are provided "as is" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or secure.
12. Limitation of Liability
To the fullest extent permitted by law, Crystal One Capital, LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or your application, including any decision made by a lending partner.
13. Governing Law
These Terms are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles, regardless of the state in which your business is located.
14. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
15. Contact Us
Crystal One Capital, LLC
P.O. Box 285, Walker, LA 70785
Phone: 1-877-507-9473
Email: info@crystalonecapital.com
This document is a draft prepared for business use and does not constitute legal advice. We recommend review by a licensed attorney before relying on it as your final published Terms, particularly regarding dispute resolution (for example, whether to add an arbitration clause) given that you accept applications nationwide.