Effective Date: April 1, 2020
Last Updated: May 20, 2025

These Terms of Use (“Terms”) govern your access to and use of the website located at www.bluegrasslending.com (the “Site”) and all related services, content, tools, and features (collectively, the “Services”), which are operated by Bluegrass Lending, Inc. (“Bluegrass Lending,” “we,” “our,” or “us”).

By using our Site or Services, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use our Site or Services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use our Site and Services. By using the Site, you represent and warrant that you meet these requirements.

2. Our Services

Bluegrass Lending provides financial products and advisory solutions tailored for small businesses, including:

Small business loans

SBA loan assistance

Lines of credit

Credit enhancement services

Bookkeeping and business support services

Access to co-branded third-party partner services

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time.

3. Application Submissions

By submitting an application or inquiry through the Site, you agree that:

All information you provide is accurate and complete.

We may verify your information through credit bureaus, bank data, and identity verification services.

You authorize us to contact you by phone, email, or SMS regarding your application and related services, even if your number is listed on a “Do Not Call” registry.

Approval is not guaranteed and is subject to our underwriting criteria and compliance review.

4. Use of Third-Party Services

Some Services are provided in partnership with unaffiliated third parties. When you interact with these offerings:

You consent to us sharing your information with those partners to facilitate your request.

The third party’s terms of use and privacy policy will apply to your use of their services.

We are not responsible for the availability or accuracy of content or products offered by third parties.

5. Intellectual Property

All content on the Site — including text, images, logos, videos, software, and other materials — is the property of Bluegrass Lending or its licensors and is protected by copyright, trademark, and other applicable laws.

You may not reproduce, distribute, or commercially exploit any content without our express written permission.

6. Prohibited Conduct

You agree not to:

Use the Site or Services for unlawful, fraudulent, or harmful purposes.

Submit false or misleading information.

Interfere with the operation of the Site, including transmitting malware or automated data collection tools.

Attempt to gain unauthorized access to our systems or user data.

We reserve the right to terminate or restrict your access to the Site if you violate these Terms.

7. Disclaimers

The Site and Services are provided “as is” and “as available.” We do not guarantee:

Approval for any financial product

Continuous, uninterrupted access to the Site

Accuracy of third-party content or service descriptions

We disclaim all warranties, express or implied, to the fullest extent permitted by law.

8. Limitation of Liability

To the maximum extent allowed by law, Bluegrass Lending shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of:

Your use of or inability to use the Site or Services

Unauthorized access to or use of your information

Actions of third-party providers

Our total liability to you for any claim shall not exceed the amount you paid, if any, for access to the Services.

9. Indemnification

You agree to indemnify and hold harmless Bluegrass Lending, its affiliates, employees, officers, and agents from any claims, damages, or liabilities resulting from your breach of these Terms or misuse of the Site or Services.

10. Changes to These Terms of Use

We may update these Terms from time to time. If material changes are made, we will notify users via email or through a notice on the Site. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Kentucky, without regard to its conflict of law provisions. Any disputes shall be resolved exclusively in the state or federal courts located in Jefferson County, Kentucky.

12. Contact Us

If you have any questions about these Terms of Use, please contact us:

Bluegrass Lending, Inc.

 P.O. Box 919, Pewee Valley, KY 40056
 Phone: 502-618-4988
 Email: [email protected]