Terms & Conditions

Effective Date: November 20, 2025

1. Acceptance of Terms

By using this website, submitting funding requests, or otherwise interacting with Y Millennial Funding ("we," "our," or "us"), you agree to these Terms of Use. If you do not agree, you may not use this website or our services.

2. Business Use Only

All funding products and services provided through this website are strictly for business purposes. We do not provide personal loans, consumer cash advances, or products for household use.

3. Role as Funder or Broker

Depending on the product, deal structure, and applicant qualification:

  • Y Millennial Funding may act as a direct funder, using our own capital to fund qualified deals.
  • We may also act as a broker, submitting applications to trusted third-party funders for evaluation.

Not all applicants will qualify for funding, and approval is never guaranteed.

4. Funding Terms

All funding offers are subject to:

  • Successful completion of due diligence and underwriting
  • Verification of provided information and documentation
  • Business and credit criteria as determined by the funder
  • Execution of legally binding funding agreements

Specific terms, rates, and conditions will be detailed in your funding agreement.

5. Credit Checks

Some funding applications may require a credit check. Depending on the lender:

  • A soft inquiry may be performed, which does not affect your credit score.
  • A hard inquiry may be required after preliminary approval. You will always be notified before a hard inquiry is performed.

6. Website Use

  • You may use this website for lawful purposes only.
  • You may not attempt to hack, copy, or misuse our website or its content.
  • Content on this site is for informational purposes and does not constitute legal, tax, or financial advice.

7. Intellectual Property

All content, logos, images, and text on this website are the property of Y Millennial Funding or our partners. You may not reproduce, distribute, or use this content without written permission.

8. Limitation of Liability

Y Millennial Funding is not responsible for:

  • Any financial decisions you make based on information from this site.
  • Delays or inability to fund due to lender decisions, underwriting, or regulatory restrictions.
  • Any indirect, incidental, or consequential damages arising from use of this website or our services.

9. Indemnification

By using this site and submitting information, you agree to indemnify and hold harmless Y Millennial Funding, its affiliates, and employees from any claims, liabilities, or losses resulting from your use of our services.

10. Governing Law

These Terms of Use are governed by the laws of the State of New York. Any disputes arising will be resolved in the courts located within New York.

11. Changes to Terms

We may update these Terms of Use at any time. Updated versions will be posted on our website with the "Effective Date" updated. Continued use of the website constitutes acceptance of the revised terms.

12. Contact Information

Y Millennial Funding (DBA of Y Millennial Group LLC)
92 Spruce St, Cedarhurst, NY 11516
Email: jack@ymillennialfunding.com
Phone: +1 (516) 618-1940