Last updated: September 18, 2026. Effective date: September 18, 2026.
These Terms of Use ("Terms") govern your access to and use of this website operated by AXIS Capital ("AXIS," "we," "us," or "our"). By using this website, you agree to these Terms. This page is provided for informational purposes and is not legal advice.
1. Acceptance of terms
By accessing or using this website, submitting an application, or contacting us through this site, you agree to be bound by these Terms and our Privacy Policy and Disclosures. If you do not agree, do not use this website.
2. Informational site, not an offer
This website is informational. Nothing on this site, including product descriptions, funding ranges, speed estimates, or the homepage estimator, constitutes an offer, a commitment to fund, a pre-approval, or a guarantee of any specific rate, term, or amount. Actual offers are made only after underwriting review and are set out in a written agreement.
3. Eligibility
Our products are commercial financing offered for business purposes only and are not available to consumers for personal, family, or household use. To use this site or apply for financing, you must be at least 18 years old, operate a legitimate U.S.-based business, and have the authority to apply on behalf of that business.
4. Estimates and examples are illustrative
Funding amounts, speeds, credit minimums, factor rates, payment examples, and any figures shown by the homepage estimator or elsewhere on this site are illustrative ranges based on general assumptions. They are not quotes and will not match every business. Your actual terms depend on underwriting of your specific application.
5. No guarantee of approval or terms
Submitting an application does not guarantee approval, a specific amount, a specific rate or factor, or funding within any stated timeframe. Approval and terms are subject to underwriting and credit review by AXIS or a funding partner.
6. Accuracy of application information
You agree to provide true, current, and complete information in any application or communication with us, and to promptly update us if that information changes. Providing false or misleading information may result in denial of an application, rescission of an offer, or other consequences under your funding agreement.
7. Intellectual property
The text, graphics, logos, and other content on this website are owned by AXIS or its licensors and are protected by copyright, trademark, and other laws. You may view and print pages for your own personal or internal business use, but may not reproduce, distribute, or create derivative works from this site's content without our prior written permission.
8. Prohibited use
You agree not to use this website to:
- Submit fraudulent, false, or misleading information;
- Interfere with or disrupt the site, its servers, or connected networks;
- Attempt to gain unauthorized access to any part of the site or related systems;
- Scrape, harvest, or use automated means to extract data from the site without our consent; or
- Use the site in violation of any applicable law or regulation.
9. Third-party links
This site may link to third-party websites, including funding partners or resources, for convenience. We do not control and are not responsible for the content, policies, or practices of any third-party site. Linking to a third-party site does not imply endorsement.
10. Disclaimer of warranties
This website and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or secure.
11. Limitation of liability
To the fullest extent permitted by law, AXIS and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, arising from your use of this website or reliance on any information contained on it, even if advised of the possibility of such damages.
12. Indemnification
You agree to indemnify and hold AXIS harmless from any claims, damages, losses, or expenses, including reasonable attorneys' fees, arising from your use of this website, your violation of these Terms, or the information you submit to us.
13. Governing law and venue
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or your use of this website will be brought exclusively in the state or federal courts located in Sacramento County, California, and you consent to the personal jurisdiction of those courts.
14. Changes to these terms
We may update these Terms from time to time. Changes are effective when posted to this page, and we will update the "Last updated" date above. Continued use of this website after a change means you accept the updated Terms.
15. Contact us
Questions about these Terms can be directed to us: use the <a href="/contact" class="link">contact form at /contact</a>.