Apply for Funding →Commercial financing brokerage and referral services.
Cognitia Credit Solutions LLC (“CCS,” “Company,” “we,” “us,” or “our”) provides services relating to financing intended primarily for legitimate business and commercial purposes. Unless separately offered under an appropriate written agreement and permitted by law, CCS does not offer consumer-purpose financing, residential mortgage brokerage, consumer credit repair, legal, accounting, tax, investment, or financial-planning services.
The Services are currently offered to businesses organized in, or principally operating in, Florida. CCS may expand, restrict, suspend, or change its service area in the future. A financing provider’s geographic availability and eligibility rules are independent of CCS.
CCS operates as a commercial financing broker, intermediary, and referral service. Depending on the transaction, CCS may collect business information, review financing needs, perform preliminary eligibility or matching analyses, identify potential products or providers, transmit authorized applications or documents, facilitate communications, and provide administrative assistance through the financing process.
CCS may use internal software, algorithms, scoring systems, automated workflows, or AI-assisted tools for organization, preliminary matching, prioritization, and operational support. These tools do not make a lender’s final underwriting or credit decision.
Unless expressly disclosed otherwise in writing for a particular transaction, CCS is not a bank, lender, creditor, funding provider, or purchaser of receivables. Financing is provided by independent third parties. CCS does not make or control a financing provider’s final approval decision, approved amount, interest rate or factor rate, fees, repayment terms, underwriting requirements, or funding or disbursement timing. The provider’s definitive written agreement controls the terms of any financing transaction.
Submitting an application to CCS does not guarantee approval, an offer, or funding. CCS does not guarantee any amount, rate, factor rate, fee, payment, term, funding date, product availability, refinancing, or business outcome. Website examples, ranges, calculators, or preliminary indications are illustrative unless the applicable provider expressly identifies them as binding.
Information provided by CCS is for general informational and commercial-financing assistance purposes. Applicants should consult their own qualified advisers when appropriate.
CCS may work with banks, lenders, finance companies, factoring companies, equipment-finance providers, merchant cash advance providers, accounts-receivable purchasers, SBA-related lending partners, and other financing sources. These parties are independent of CCS and may apply their own underwriting, documentation, pricing, and eligibility requirements.
CCS’s principal compensation model is commissions, referral fees, broker compensation, or success-based compensation paid by financing providers in connection with completed transactions. Compensation may vary by provider, product, amount, or transaction and may create an economic incentive in how options are presented.
CCS may charge an applicant directly only for a separate service or transaction when legally permitted, separately disclosed in writing, and governed by a separate agreement before the applicant becomes obligated to pay. CCS may receive compensation from more than one source only where legally permitted and with any disclosure or consent required by applicable law.
CCS does not charge, collect, or solicit prohibited advance broker fees. Any future applicant-paid fee must comply with applicable law and the written-disclosure requirements described above.
Financing providers are responsible for transaction-specific disclosures required of them by applicable law. CCS may facilitate delivery of provider disclosures but does not replace the provider’s legal obligations. Applicants should review all financing documents carefully before acceptance.
The initial public Funding Application is designed to request limited contact, business, financing-request, and preliminary financial or eligibility information. It is not intended to collect Social Security numbers, bank login credentials, bank statements, tax returns, government IDs, or similarly sensitive documents. If additional information or documentation is later needed, CCS may request it through a designated process. Do not send sensitive information through an unapproved channel.
By submitting information or documents to CCS, you represent, to the best of your knowledge, that the information is true, accurate, and complete in all material respects. You agree to promptly correct or update material information if you discover an error or if circumstances materially change while CCS is assisting with your request. CCS and financing providers may reasonably rely on information and documents you submit when evaluating or processing your request. Materially false, misleading, fraudulent, altered, or fabricated information or documents may result in suspension or termination of Services and other action permitted or required by applicable law.
By requesting financing services, you authorize CCS to disclose information reasonably necessary to selected financing providers and service providers for the purpose of evaluating, processing, facilitating, or servicing your requested financing. CCS may submit information to more than one potential provider when appropriate. Collection, use, and disclosure of personal information are also governed by the Privacy Policy. This authorization does not permit CCS to sell your lead or transfer SMS opt-in information for third-party marketing.
Submitting the initial public inquiry does not itself constitute blanket authorization for every consumer credit report or hard inquiry. If a provider or CCS requires a credit report, additional authorization may be requested as required by applicable law.
A soft inquiry generally does not affect a consumer credit score, while a hard inquiry may affect it. Whether an inquiry is soft or hard depends on the provider and the authorization given. Review any credit authorization before agreeing to it.
CCS may communicate with you by telephone and email regarding your inquiry, application, requested Services, status, document or information needs, appointments, and customer service, subject to applicable law. Marketing emails, if used, will include an unsubscribe method where required by law, and opting out of marketing email does not necessarily stop non-marketing service communications.
If you separately opt in to the Cognitia Credit Solutions LLC SMS program, messages may include inquiry or application follow-up, status updates, requests for documents or information, appointment confirmations or reminders, financing-process updates, and customer-service communications. SMS consent is optional and is not a condition of receiving Services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help, or contact support@cognitiacreditsolutions.com or (754) 219-8946. See our Privacy Policy. Carriers are not liable for delayed or undelivered messages.
CCS does not sell or share SMS opt-in data or mobile numbers with third parties or affiliates for their own marketing or promotional purposes. Communications vendors may process information as necessary to deliver messages on CCS’s behalf. Marketing text messages, if introduced, will be subject to any separate or additional consent required by applicable law.
Where permitted by law, electronic acceptance, signatures, records, and communications may have the same effect as paper records and handwritten signatures.
Submitting information to CCS does not obligate you to accept any financing offer. You are responsible for reviewing and deciding whether any provider’s terms are appropriate for your business.
Unless a separate written agreement states otherwise, using CCS does not prevent you from seeking financing elsewhere, and CCS is not obligated to submit your request to every available provider.
You may not use the Services for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes; submit false or misleading information; impersonate another person or business; interfere with website security; or attempt unauthorized access to CCS systems or data.
The CCS name, branding, website design, text, software, source code, databases, algorithms, decision-support systems, workflows, documentation, proprietary methodologies, and other proprietary materials are owned by CCS or used with permission, except for third-party materials identified as such. This includes, as applicable, proprietary components and methodologies associated with the Cognitia Credit Solutions Operating System ("CCSOS") and related internal systems. No rights are granted except the limited right to use the Services for their intended purpose.
Links or integrations with third-party websites or services are provided for convenience or to facilitate Services. CCS does not control third-party terms, privacy practices, availability, or content.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, UNINTERRUPTED AVAILABILITY, OR ANY PARTICULAR FINANCING RESULT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CCS AND ITS MEMBERS, MANAGERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM THE SERVICES OR A THIRD-PARTY FINANCING DECISION. WHERE A MONETARY LIMITATION IS ENFORCEABLE, CCS’S AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF FEES PAID DIRECTLY BY YOU TO CCS DURING THE SIX MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR $500. THIS LIMITATION DOES NOT APPLY WHERE PROHIBITED BY LAW.
To the extent permitted by law, you agree to indemnify and hold harmless CCS and its representatives from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful use of the Services, material breach of these Terms, or materially false information you provide.
CCS may suspend or terminate access to the Services when reasonably necessary for legal, compliance, fraud-prevention, security, operational, or business reasons. Provisions that by their nature should survive termination will continue to apply.
For purposes of this Section, a “Covered Dispute” means any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between you and CCS, except for matters expressly excluded below or matters that applicable law does not permit to be arbitrated.
Before filing a formal claim, the parties will attempt in good faith to resolve a Covered Dispute informally for at least 30 days after written notice describing the dispute and requested resolution. If it remains unresolved, either party may request confidential mediation in Broward County, Florida, or remotely. Mediation is optional unless the parties separately agree in writing to make it mandatory.
TO THE EXTENT PERMITTED BY LAW, A COVERED DISPUTE THAT REMAINS UNRESOLVED AFTER THE INFORMAL-RESOLUTION PERIOD WILL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) UNDER ITS APPLICABLE COMMERCIAL ARBITRATION RULES, BEFORE ONE NEUTRAL ARBITRATOR, IN BROWARD COUNTY, FLORIDA, OR REMOTELY. ARBITRATION IS INTENDED TO BE THE FINAL AND BINDING FORUM FOR COVERED DISPUTES, SUBJECT TO APPLICABLE LAW AND THE EXCEPTIONS BELOW.
AAA administrative fees, arbitrator compensation, and other arbitration costs will be paid or advanced as required by the applicable AAA rules and fee schedule. Unless applicable law or the AAA rules require otherwise, each party will initially be responsible for the fees and costs assigned to that party, and the arbitrator may allocate arbitration fees, expenses, and any recoverable attorneys’ fees in the final award as authorized by applicable law, the AAA rules, or these Terms. CCS will not require a party to bear arbitration costs in a manner prohibited by applicable law.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERED DISPUTES WILL PROCEED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION, AND EACH PARTY WAIVES THE RIGHT TO A TRIAL BY JURY FOR A COVERED DISPUTE. Claims that applicable law permits to proceed in small-claims court, and requests for temporary, preliminary, or other appropriate injunctive relief that may lawfully be sought from a court, may be handled as permitted by law. Nothing in this Section prevents a court from deciding issues that applicable law reserves for judicial determination, including whether an agreement to arbitrate exists or whether a particular controversy is subject to arbitration.
These Terms are governed by Florida law, without regard to conflict-of-law principles, except where federal law controls. For proceedings not subject to arbitration, the parties consent to the appropriate state or federal courts serving Broward County, Florida, unless applicable law requires otherwise. This dispute-resolution venue does not limit CCS’s service area to Broward County.
CCS may amend, revise, supplement, or replace these Terms periodically to reflect changes in law, regulation, products, providers, Services, technology, security, operations, or business practices. The revised version will identify its Last Updated date. CCS will provide additional notice or obtain renewed consent when required by law or when the nature of a material change requires it. CCS will not apply changes retroactively where prohibited by law. Continued use may constitute acceptance where legally permitted, but it does not replace affirmative consent when such consent is legally required.
If any provision is held unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
A failure to enforce any provision is not a waiver of that provision or any other right.
You may not assign these Terms without CCS’s written consent. CCS may assign these Terms in connection with a merger, reorganization, sale, or transfer of its business or assets, subject to applicable law.
These Terms, the Privacy Policy, and any transaction-specific or separately signed agreement constitute the applicable agreement concerning the Services, subject to any provider agreement governing financing.
Cognitia Credit Solutions LLC
3520 Polk St, Apt 3, Hollywood, FL 33021
Telephone: (754) 219-8946
General: info@cognitiacreditsolutions.com
Legal Notices: legal@cognitiacreditsolutions.com
Website: cognitiacreditsolutions.com