Terms & Conditions
Last Updated: April 7, 2026
Welcome to Shyne, LLC ("Shyne," "we," "us," or "our"). By accessing or using our website the-shyne.com or engaging with our services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By accessing this website or submitting an inquiry for our lending services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our website or services.
2. Services Overview
Shyne, LLC is a direct business lender providing various funding solutions to qualified businesses, including but not limited to working capital loans, equipment financing, commercial real estate financing, revenue-based financing, lines of credit, and expansion capital.
All lending decisions are made at Shyne's sole discretion based on creditworthiness, business performance, and other underwriting criteria. Submission of an inquiry or application does not guarantee approval or funding.
3. Eligibility
To apply for funding from Shyne, you must:
- Be at least 18 years of age
- Have legal authority to bind your business to a loan agreement
- Operate a legitimate business entity registered in the United States
- Provide accurate and complete information during the application process
4. Application Process
When you submit an inquiry or application for funding, you authorize Shyne to:
- Review your credit history and business financial information
- Verify information provided with third-party sources
- Contact you via phone, email, or SMS (if you have opted in)
- Share information with credit bureaus and service providers as necessary
You agree to provide accurate, current, and complete information during the application process. Providing false or misleading information may result in denial of your application and potential legal action.
5. Loan Terms & Conditions
If your application is approved, you will receive a formal loan agreement outlining:
- Principal amount
- Interest rate and fees
- Repayment schedule and terms
- Collateral requirements (if applicable)
- Default and remedies
You are responsible for reviewing and understanding all terms before signing any loan agreement. Loan terms are specific to each funding arrangement and supersede these general Terms & Conditions where applicable.
6. Fees & Charges
All fees, interest rates, and charges will be disclosed in your loan agreement before funding. Shyne does not charge application fees for initial inquiries, but may charge origination fees, processing fees, or other costs associated with funded loans as outlined in your loan documents.
7. Website Use
Permitted Use
You may use our website for lawful purposes related to exploring and applying for business financing. You agree not to:
- Use automated systems to scrape or collect data from our website
- Attempt to gain unauthorized access to our systems or networks
- Transmit viruses, malware, or harmful code
- Impersonate Shyne or any other entity
- Use our website in any way that violates applicable laws or regulations
Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of Shyne, LLC and protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
8. SMS Terms & Conditions
If you opt in to receive SMS or text messages from Shyne, LLC, the following additional terms apply:
Program Description
By providing your mobile phone number and opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Shyne, LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency & Costs
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply. Check with your mobile carrier for details about your messaging plan and associated costs.
Opt-Out & Support
You may opt out at any time by replying STOP to any message from Shyne. After opting out, you will receive one final confirmation message. For help or more information, reply HELP or contact us at ben@the-shyne.com.
Important: Consent to receive SMS messages is NOT a condition of purchasing any goods or services from Shyne, LLC. You may apply for and receive funding without opting in to SMS communications.
Carrier Liability
Mobile carriers are not liable for delayed or undelivered messages. Our SMS program is supported by major U.S. carriers, but message delivery depends on your carrier and network conditions.
Termination
We reserve the right to terminate our SMS program or your participation at any time without notice.
9. Disclaimers & Limitations of Liability
No Warranty
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components.
Limitation of Liability
To the fullest extent permitted by law, Shyne, LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of profits, data, or business opportunities.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these third-party sites and do not endorse or assume liability for them.
10. Indemnification
You agree to indemnify, defend, and hold harmless Shyne, LLC and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney's fees) arising from:
- Your use of our website or services
- Your violation of these Terms & Conditions
- Your violation of any third-party rights
- Any misrepresentation or fraud in your application
11. Governing Law & Dispute Resolution
These Terms & Conditions are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles.
Any disputes arising from these Terms & Conditions or your use of our services shall be resolved through binding arbitration in Utah County, Utah, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for breaches involving intellectual property or confidentiality.
12. Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the revised terms.
13. Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
14. Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any executed loan agreements, constitute the entire agreement between you and Shyne, LLC regarding your use of our website and services.
15. Contact Information
If you have questions or concerns about these Terms & Conditions, please contact us:
Shyne, LLC
1147 S 1450 W
Mapleton, UT 84664
Email: ben@the-shyne.com