Compliance Disclosure

Geneius LLC

Last Updated: October 2025

Geneius LLC (“we,” “our,” or “us”) operates as a business funding provider and broker offering Merchant Cash Advances (MCAs) and related working capital products to qualified businesses in the United States.

This disclosure explains how our products function, the nature of our role in the funding process, and important legal information all applicants should understand before proceeding.

1. Not a Loan

Merchant Cash Advances are not loans. An MCA represents the purchase of a portion of your future receivables or sales at a discounted rate.

Under this arrangement, Geneius LLC provides upfront funding in exchange for a percentage of your business’s future daily or weekly revenue until the purchased amount is repaid in full.

There are no fixed repayment schedules or interest rates as with traditional loans. Repayment adjusts automatically with your business’s sales volume.

2. No Guaranteed Approval or Offer

Submitting an application or inquiry on our website does not constitute approval, commitment, or guarantee of funding. All funding decisions are based on underwriting review and verification of business performance, cash flow, and related factors.

Geneius LLC reserves the right to deny or modify funding offers at any time.

3. Disclosure of Costs and Terms

Before accepting any funding, you will receive a clear written agreement that outlines:

  • The total amount of receivables being sold

  • The purchase price and holdback percentage

  • All applicable fees and repayment terms

Please review all documents carefully before signing. Geneius LLC encourages all applicants to consult with a financial advisor or attorney to understand their obligations.

4. No Personal Credit Impact

Merchant Cash Advances are based primarily on business revenue, not personal credit. While we may perform limited background or verification checks, your personal credit report is generally not impacted by MCA activity unless disclosed otherwise.

5. Responsible Funding Practices

Geneius LLC is committed to fair, transparent, and responsible funding practices.
We do not engage in predatory lending, misleading rate representations, or loan stacking.
Our team ensures each funding offer aligns with the applicant’s business performance and repayment capacity.

6. Use of Collected Information

Information submitted through our website is governed by our Privacy Policy. We only use your data to evaluate your funding eligibility and improve our services. We do not sell or share your personal information with unrelated third parties.

7. Legal Compliance

Geneius LLC complies with all applicable federal and state laws governing commercial financing, data protection, and advertising practices, including:

  • Federal Trade Commission (FTC) marketing guidelines

  • State-level commercial finance disclosure requirements (where applicable)

  • California Consumer Privacy Act (CCPA)

  • General Data Protection Regulation (GDPR) standards for data transparency