FINANCIAL DISCLAIMER

Effective Date: July 15, 2026

This Financial Disclaimer applies to KawValleyFinancial.com and to educational materials, communications, calculators, assessments, examples, and other content provided by Kaw Valley Digital, LLC, doing business as Kaw Valley Financial (“Kaw Valley Financial,” “we,” “us,” or “our”).

Please review this disclaimer before relying on information provided through the website or communicating with Kaw Valley Financial about a potential commercial-financing transaction.

1. General Information Only

Information provided by Kaw Valley Financial is for general educational, informational, and commercial-financing discussion purposes.

Website content is intended to help business owners and professional referral sources better understand topics such as:

  • Invoice factoring;

  • Accounts-receivable financing;

  • Asset-based lending;

  • Business loans and lines of credit;

  • Equipment financing;

  • Purchase-order financing;

  • Cash-flow management;

  • Financing readiness;

  • Commercial underwriting considerations; and

  • Other business-funding arrangements.

The information is general in nature and may not address every factor relevant to a particular business, financing request, or transaction.

2. No Legal, Tax, Accounting, or Investment Advice

Kaw Valley Financial is not a law firm, accounting firm, tax advisory firm, securities broker, investment adviser, or financial-planning firm.

Nothing on the website or in our general communications constitutes:

  • Legal advice;

  • Tax advice;

  • Accounting advice;

  • Investment advice;

  • Securities advice;

  • Credit-repair advice;

  • Bankruptcy advice; or

  • A formal business valuation.

You should consult qualified legal, accounting, tax, and other professional advisers before entering into a financing transaction or making a significant financial or business decision.

3. Commercial-Finance Broker and Consultant

Kaw Valley Financial acts as a commercial-finance broker and consultant.

Unless expressly stated otherwise in a separate written agreement, Kaw Valley Financial is not the bank, lender, factoring company, finance company, or other funding provider that supplies financing.

Independent funding providers make their own decisions concerning:

  • Eligibility;

  • Underwriting;

  • Approval or denial;

  • Funding amounts;

  • Rates and fees;

  • Advance rates;

  • Reserves;

  • Collateral;

  • Personal guarantees;

  • Documentation;

  • Closing conditions; and

  • Funding timing.

Additional information about our role is provided in the Commercial Financing Broker Disclosure.

4. No Financing Offer or Commitment

Nothing on the website constitutes:

  • A financing offer;

  • A commitment to lend;

  • A commitment to purchase receivables;

  • An approval;

  • A credit decision;

  • A term sheet;

  • A guarantee of eligibility;

  • A guarantee of funding; or

  • A promise that financing will be available.

Submitting a contact form, referral, or financing-review request does not create an obligation for Kaw Valley Financial or any funding provider to review, approve, or fund a transaction.

Only final written documents issued or approved by an identified funding provider can establish the actual terms of a financing offer or transaction.

5. No Guarantee of Results

Kaw Valley Financial does not guarantee that any business will:

  • Qualify for financing;

  • Receive a financing offer;

  • Receive a requested funding amount;

  • Obtain a particular interest rate, factoring fee, advance rate, or repayment term;

  • Receive funding within a particular period;

  • Improve cash flow;

  • Avoid default, insolvency, layoffs, litigation, or business failure;

  • Increase revenue or profitability; or

  • Achieve any other particular result.

Commercial-financing outcomes depend on circumstances outside Kaw Valley Financial’s control.

These circumstances may include:

  • The applicant’s credit and financial condition;

  • Business revenue and cash flow;

  • Invoice validity and collectability;

  • Customer credit quality;

  • Existing debt and liens;

  • Tax obligations;

  • Legal disputes;

  • Collateral;

  • Industry conditions;

  • Documentation;

  • Funding-provider requirements; and

  • Changes in financial markets or applicable law.

Past outcomes do not guarantee future outcomes.

6. Estimates and Preliminary Information

Any estimated funding amount, approval likelihood, advance rate, factoring fee, interest rate, repayment amount, closing period, or other preliminary figure is provided for general discussion only.

Preliminary figures may be based on incomplete information, general market experience, assumptions, or information supplied by the business or a referral source.

Actual terms may differ materially after a funding provider completes:

  • Underwriting;

  • Credit review;

  • Invoice verification;

  • Customer review;

  • Collateral review;

  • Lien searches;

  • Background checks;

  • Financial analysis;

  • Legal review; and

  • Other due diligence.

Do not make payroll, purchasing, hiring, investment, payment, or other commitments based solely on an estimated financing amount or expected closing date.

7. Calculators, Scorecards, and Assessments

Any calculator, questionnaire, scorecard, fit check, cash-flow assessment, or financing-readiness tool made available through Kaw Valley Financial is provided for preliminary educational purposes.

Results depend on:

  • The accuracy of information entered;

  • Assumptions built into the tool;

  • The limited factors evaluated; and

  • Generalized calculations that may not reflect a funding provider’s actual underwriting process.

A calculator or assessment result is not:

  • A financing application;

  • A formal underwriting decision;

  • A credit decision;

  • A valuation;

  • A financing offer;

  • A commitment; or

  • A guarantee of approval or funding.

A funding provider may reach a different conclusion after reviewing complete information.

8. Invoice Factoring Information

Descriptions of invoice factoring are general and may not reflect the specific terms of every factoring agreement.

Depending on the provider and transaction:

  • Advance rates may vary;

  • Reserves may be withheld;

  • Fees may increase as invoices remain unpaid;

  • Customers may be notified or asked to verify invoices;

  • Payments may be redirected to a factoring company or controlled account;

  • Disputed or uncollectible invoices may be subject to recourse or repurchase;

  • Minimum fees or volume requirements may apply;

  • Liens may be placed on business assets; and

  • Personal guarantees may be required.

Factoring is not appropriate for every business, invoice, customer, or financial situation.

Businesses should review the actual factoring agreement and obtain professional advice before signing it.

9. Cost Comparisons

Any comparison between factoring, bank financing, lines of credit, merchant cash advances, asset-based loans, or other funding products is necessarily general.

Products may differ in:

  • Legal structure;

  • Pricing method;

  • Payment frequency;

  • Collateral requirements;

  • Underwriting standards;

  • Availability;

  • Speed;

  • Recourse;

  • Contract length; and

  • Default remedies.

A lower stated rate or fee does not necessarily mean that a product has the lowest total cost or is the most appropriate choice.

Businesses should compare the complete economic and legal effect of each proposed transaction rather than relying on a single advertised rate, fee, or payment amount.

10. Examples and Hypothetical Scenarios

Case examples, transaction illustrations, calculations, cash-flow scenarios, and hypothetical business situations are provided only to explain general concepts.

Unless expressly identified otherwise, hypothetical examples do not describe an actual client or completed transaction.

An example should not be interpreted as evidence that another business will receive the same:

  • Approval;

  • Funding amount;

  • Pricing;

  • Structure;

  • Timing; or

  • Financial result.

Actual outcomes vary.

11. Testimonials and Success Stories

Any testimonial, endorsement, client statement, referral-partner statement, or success story reflects the experience or opinion of the person providing it.

Individual experiences are not necessarily representative of the experience of every business.

Testimonials do not guarantee:

  • Approval;

  • Funding;

  • Savings;

  • Improved cash flow;

  • Business survival;

  • Revenue growth; or

  • Any other result.

Material relationships or compensation connected to an endorsement will be disclosed where required.

12. Market and Regulatory Changes

Commercial-financing markets, underwriting standards, rates, fees, product availability, and legal requirements may change without notice.

Information that was accurate when published may later become incomplete or outdated.

Kaw Valley Financial does not guarantee that every webpage, article, comparison, or educational resource will always reflect the latest market practice or legal requirement.

You should verify current information before relying on it.

13. No Duty to Update Information

Kaw Valley Financial may revise, remove, or update website content but has no obligation to update every prior publication, communication, example, or educational resource.

The date information was published or revised should be considered when evaluating it.

14. Information Supplied by Applicants and Third Parties

Kaw Valley Financial may rely on information supplied by:

  • Business owners;

  • Applicants;

  • Referral partners;

  • Funding providers;

  • Public sources;

  • Data providers; and

  • Other third parties.

We do not guarantee that information received from another party is accurate, complete, current, or independently verified.

The person or business submitting information is responsible for its accuracy and for promptly correcting material errors or omissions.

15. Independent Funding Providers

Funding providers are independent third parties.

Kaw Valley Financial is not responsible for a funding provider’s:

  • Statements or representations;

  • Underwriting decision;

  • Pricing;

  • Contract terms;

  • Funding delays;

  • Servicing practices;

  • Collection practices;

  • Customer communications;

  • Data security;

  • Regulatory compliance; or

  • Performance of its obligations.

You are responsible for investigating a provider, reviewing its documents, and determining whether its proposed transaction is appropriate for your business.

16. Third-Party Content and Links

The website may contain links to third-party websites, forms, tools, articles, platforms, or services.

A link does not constitute a guarantee or endorsement of the third party, its information, its products, or its services.

Kaw Valley Financial does not control and is not responsible for the:

  • Accuracy;

  • Completeness;

  • Availability;

  • Security;

  • Privacy practices;

  • Terms;

  • Products; or

  • Conduct

of an independent third party.

Use of third-party resources is at your own discretion and risk.

17. Your Responsibility

You are solely responsible for making decisions concerning your business and its financing.

Before accepting financing, you should:

  • Review all documents;

  • Identify every rate, fee, and cost;

  • Understand the payment obligations;

  • Evaluate cash-flow consequences;

  • Review collateral and lien requirements;

  • Review personal-guaranty requirements;

  • Understand default and termination provisions;

  • Compare available alternatives; and

  • Seek independent professional advice when appropriate.

Do not sign a financing agreement you do not understand.

18. No Reliance on Oral Statements

General conversations, preliminary discussions, emails, estimates, and informal explanations do not modify the final written documents issued by a funding provider.

You should not rely on an oral or informal statement that conflicts with the written financing agreement.

Questions or inconsistencies should be resolved before signing.

19. No Consumer Financing

Kaw Valley Financial focuses on financing for legitimate business or commercial purposes.

Website information is not intended as an offer or solicitation for personal, family, household, or consumer-purpose credit.

Consumer-finance laws, disclosures, and protections may differ from those applicable to business-purpose financing.

20. Limitation of Responsibility

To the fullest extent permitted by law, Kaw Valley Financial is not responsible for losses arising from:

  • Reliance on general website information;

  • Reliance on preliminary estimates;

  • A funding provider’s approval or denial;

  • A delayed or unsuccessful closing;

  • A business decision made before financing is completed;

  • A third-party financing agreement;

  • Market or regulatory changes; or

  • Incomplete, inaccurate, or outdated information supplied by another party.

Nothing in this section excludes responsibility that cannot legally be excluded.

Additional limitations are contained in the Kaw Valley Financial Terms of Use.

21. Other Governing Documents

This Financial Disclaimer should be read together with the:

  • Privacy Policy;

  • Terms of Use; and

  • Commercial Financing Broker Disclosure.

A separate written agreement or transaction-specific disclosure may contain additional or controlling terms.

If this disclaimer conflicts with a final written financing agreement, the financing agreement governs the relationship between the business and the funding provider.

22. Changes to This Disclaimer

Kaw Valley Financial may update this Financial Disclaimer periodically.

The revised disclaimer will be posted on the website with an updated effective date.

Changes become effective when posted unless a different effective date is stated.

23. Contact Information

Questions about this Financial Disclaimer may be submitted through the Contact page on KawValleyFinancial.com.

You may also contact:

Kaw Valley Digital, LLC
Doing business as Kaw Valley Financial
Olathe, Kansas
Telephone: 913-353-4974