These Terms & Conditions govern your use of the website located at thevlservices.com and any services offered by:
VL Services LLC
1008 E Madison Ave
Indianola, IA 50125
Email: vincent@thevlservices.com
EIN: 85-1752769
VL Services LLC is a direct business lender providing working capital and business funding solutions to qualifying businesses. We are not a bank, credit union, or federally insured depository institution.
You may use this website for lawful purposes related to inquiring about or applying for business funding services offered by VL Services LLC. You agree not to use this site in any manner that could damage, disable, overburden, or impair our servers or networks, interfere with any other party's use of the site, or violate any applicable law or regulation.
The content on this website is provided for general informational purposes only. Nothing on this website constitutes a binding offer, commitment to lend, or guarantee of funding. All funding decisions are subject to underwriting review, credit evaluation, and final approval by VL Services LLC.
All content on this website — including text, graphics, logos, design elements, and page layouts — is the proprietary property of VL Services LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.
VL Services LLC provides direct lending and business funding solutions including, but not limited to: working capital loans, revenue-based financing, equipment financing, business lines of credit, and growth capital facilities. All products are subject to eligibility requirements, underwriting guidelines, and approval at our sole discretion.
Submitting an inquiry or application does not guarantee that funding will be provided. VL Services LLC reserves the right to approve, decline, or modify any funding request based on our internal underwriting criteria without obligation to disclose the specific reasons for any decision.
All material terms of any funding arrangement — including amount, repayment schedule, factor rate or interest rate, fees, and covenants — will be set forth in a separate written funding agreement signed by both parties. No oral representations constitute binding terms.
Business funding obtained through VL Services LLC may not be used for personal, family, or household purposes. All funding is available for commercial and business use only. Misrepresentation of the intended use of funds constitutes grounds for immediate default and legal action.
When you submit information through our contact form or application process, you represent and warrant that:
Submitting false, misleading, or incomplete information may result in denial of your application and may constitute fraud under applicable state and federal law.
The following terms govern SMS/MMS text message communications between VL Services LLC and individuals who have expressly opted in to receive such messages.
Program Description: By opting in, you consent to receive recurring marketing and promotional SMS/MMS messages from VL Services LLC regarding our business funding products, services, offers, updates, and related information.
Automated Technology: Messages may be sent using an automated telephone dialing system (ATDS). You acknowledge that your consent to receive automated messages is not required as a condition of obtaining any product or service from VL Services LLC.
Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
Message & Data Rates: Message and data rates may apply. Please consult your mobile carrier for details about your plan's messaging rates.
How to Opt Out: Reply STOP to any SMS message at any time to cancel your SMS subscription. You will receive a one-time confirmation message confirming your opt-out. No further marketing SMS messages will be sent to you unless you re-enroll.
How to Get Help: Reply HELP to any SMS message for assistance, or contact us directly at vincent@thevlservices.com.
Consent Not Required: Consent is NOT a condition of purchase or receipt of any services or products from VL Services LLC. You may inquire about and receive business funding without opting in to SMS communications.
Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier.
By opting in to SMS communications, you affirm that you are the account holder or have authorization from the account holder for the mobile number provided. VL Services LLC is not responsible for charges you incur from your mobile carrier related to SMS communications.
Your use of this website and our services is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of your personal information.
This website and all content herein are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. VL Services LLC does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by applicable law, VL Services LLC, its members, managers, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website or our services, even if we have been advised of the possibility of such damages.
Nothing on this website constitutes financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions. VL Services LLC is not a registered investment advisor, financial advisor, or attorney.
You agree to indemnify, defend, and hold harmless VL Services LLC and its members, managers, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or in any way connected with your access to or use of this website, your violation of these Terms & Conditions, or your submission of false or misleading information in any application or form.
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of law provisions. Any dispute arising under or related to these Terms & Conditions or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Warren County, Iowa.
You agree to waive any right to a jury trial for any claim arising out of or related to these Terms & Conditions or your use of our services.
This website may contain links to third-party websites for your convenience. VL Services LLC does not endorse, control, or assume any responsibility for the content, privacy practices, or accuracy of any third-party websites. Your use of third-party sites is at your own risk and subject to their respective terms and conditions.
VL Services LLC reserves the right to modify these Terms & Conditions at any time at our sole discretion. Modified terms will be effective immediately upon posting to this website with an updated "Last Updated" date. Your continued use of this website following the posting of revised Terms & Conditions constitutes your acceptance of the modifications. We encourage you to review these Terms & Conditions periodically.
If any provision of these Terms & Conditions is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.
These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and VL Services LLC with respect to your use of this website and supersede all prior agreements, understandings, and representations relating to the same subject matter.
If you have any questions about these Terms & Conditions, please contact us:
VL Services LLC
Attn: Legal Department
1008 E Madison Ave
Indianola, IA 50125
Email: vincent@thevlservices.com