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Terms & Conditions

Last Updated: March 18, 2026

Welcome to Pietz Enterprises LLC. By accessing our website or using our services, you agree to be bound by these Terms & Conditions ("Terms"). Please read them carefully.

1. Acceptance of Terms

By using our website (pietz-enterprises.com) or engaging with our financing services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.

2. Services Provided

Pietz Enterprises LLC is a direct business lender providing financing solutions to qualified businesses. Our services include, but are not limited to:

  • Working capital loans
  • Equipment financing
  • Revenue-based financing
  • Business expansion funding
  • Short-term financing

All financing is subject to credit approval and underwriting. Approval and terms are not guaranteed and are determined on a case-by-case basis.

3. Eligibility

To be eligible for our services, you must:

  • Be at least 18 years of age
  • Be authorized to represent a business entity
  • Operate a legal business within the United States
  • Provide accurate and complete information in your application

4. Application Process

Information Accuracy

You agree to provide true, accurate, current, and complete information during the application process. Providing false or misleading information may result in denial of your application or termination of services.

Credit Authorization

By submitting an application, you authorize Pietz Enterprises LLC to obtain credit reports and background checks to evaluate your creditworthiness. This may include inquiries with credit bureaus, banks, and other financial institutions.

No Guarantee of Approval

Submitting an application does not guarantee approval or funding. All applications are subject to underwriting and approval based on our internal criteria.

5. SMS Terms & Conditions

Text Message Program: By providing your mobile phone number and opting in to receive text messages from Pietz Enterprises LLC, you agree to the following SMS Terms & Conditions.

Consent to Receive Messages

By opting in, you consent to receive text messages from Pietz Enterprises LLC regarding your financing inquiry, account updates, promotional offers, and other business-related communications. Messages may be sent using an automatic telephone dialing system (ATDS).

Message Frequency

Message frequency may vary depending on your activity, preferences, and account status. You may receive multiple messages per week or month.

Message and Data Rates

Message and data rates may apply. Standard text messaging charges from your wireless carrier will apply to each message sent or received. Please consult your mobile carrier for details on messaging charges.

Opt-Out / Unsubscribe

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After sending STOP, you will receive a confirmation message, and no further messages will be sent unless you re-subscribe.

Help

For help or more information, reply HELP to any message or contact us at robert@pietz-enterprises.com.

Not a Condition of Purchase

Consent to receive text messages is NOT a condition of purchasing any goods or services from Pietz Enterprises LLC. You may contact us and use our services without opting in to text messaging.

Supported Carriers

Our text messaging program is supported by major U.S. wireless carriers. Message delivery is subject to your carrier's network coverage and availability.

Privacy

Your mobile phone number and text message data will be used in accordance with our Privacy Policy. We do not sell or share your mobile number with third parties for their marketing purposes.

6. Loan Terms and Conditions

If your application is approved, you will receive a loan agreement outlining specific terms including:

  • Loan amount and disbursement schedule
  • Interest rate and fees
  • Repayment schedule and method
  • Prepayment terms and penalties (if applicable)
  • Default terms and remedies

You must review and sign the loan agreement before funding can be disbursed. The loan agreement will govern your specific financing arrangement and supersede these general Terms where applicable.

7. Fees and Interest Rates

Interest rates, fees, and charges vary based on creditworthiness, loan amount, term, and other factors. All fees will be disclosed in your loan agreement prior to acceptance. We do not charge application fees or upfront fees for loan processing.

8. Repayment

You agree to repay the loan according to the terms outlined in your loan agreement. Repayment methods may include:

  • Automated Clearing House (ACH) withdrawals from your bank account
  • Wire transfers
  • Other payment methods as agreed

You authorize Pietz Enterprises LLC to debit your designated bank account for scheduled payments. Failure to maintain sufficient funds may result in late fees, default, and collection activity.

9. Default and Collections

You will be in default if you fail to make payments as agreed or violate any other terms of your loan agreement. In the event of default, we may:

  • Declare the entire loan balance immediately due and payable
  • Report the default to credit bureaus
  • Pursue collection through third-party agencies or legal action
  • Charge late fees, collection costs, and legal fees as permitted by law

10. Website Use

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Pietz Enterprises LLC and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

Prohibited Activities

You agree not to:

  • Use the website for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Transmit viruses, malware, or other harmful code
  • Interfere with the proper functioning of the website
  • Impersonate another person or entity

11. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or control these external sites and are not responsible for their content, privacy practices, or terms of use.

12. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our website will be error-free, uninterrupted, or free from viruses or other harmful components.

13. Limitation of Liability

To the fullest extent permitted by law, Pietz Enterprises LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.

14. Indemnification

You agree to indemnify and hold harmless Pietz Enterprises LLC, its officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including legal fees) arising from your use of our website or services or your violation of these Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in Broward County, Florida.

16. Dispute Resolution

In the event of a dispute, you agree to first attempt to resolve the matter informally by contacting us. If the dispute cannot be resolved informally, it may be subject to binding arbitration as outlined in your loan agreement.

17. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes your acceptance of the modified Terms.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any loan agreement you enter into, constitute the entire agreement between you and Pietz Enterprises LLC regarding your use of our website and services.

20. Contact Information

If you have any questions or concerns about these Terms, please contact us:

Pietz Enterprises LLC
5937 NW 56th Pl
Tamarac, FL 33319
Email: robert@pietz-enterprises.com

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