Terms of Service

By accessing or using VALoanCalc at https://vabusinessloancalculator.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, please discontinue use of the Site immediately.

These Terms apply to all visitors and users of the Site, regardless of whether you access it via desktop, mobile, or any other device.

VALoanCalc grants you a limited, non-exclusive, non-transferable license to access and use this Site for your personal, non-commercial educational purposes.

You agree not to:

• Reproduce, scrape, or republish site content without prior written permission
• Use automated tools to access or extract data from the Site
• Attempt to interfere with the Site's security or operation
• Use the Site for any unlawful purpose
• Represent that VALoanCalc calculations constitute professional financial guidance

VALoanCalc is an educational tool only. All content on this Site — including articles, guides, calculator outputs, glossary definitions, and any other materials — is provided for general informational and educational purposes.

Nothing on this Site constitutes:

• Financial advice or a recommendation to obtain any particular loan product
• Legal advice or an attorney-client relationship
• A guarantee of loan approval or any particular loan terms
• An endorsement of any lender, financial institution, or government program

You should always consult with a qualified, licensed financial advisor, accountant, or attorney before making any financial decisions, including applying for any loan.

Our loan calculator provides estimates only. Results are based on the inputs you provide and simplified financial models. Actual loan terms, interest rates, fees, and eligibility requirements will vary based on your credit history, business financials, the specific lender, and current market conditions.

VALoanCalc does not guarantee the accuracy, completeness, or fitness for any particular purpose of any calculator output. We are not responsible for any financial decisions made in reliance on calculator estimates.

All content on this Site — including text, graphics, the "VALoanCalc" name and logo, calculator design, blog articles, and educational guides — is owned by VALoanCalc or its content providers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may share links to Site content and quote brief excerpts (with clear attribution and a link back to the original page) for non-commercial purposes. Any other reproduction or distribution requires our prior written consent. Contact us at legal@valoancalc.com.

This Site contains links to external websites, including government sites (SBA.gov, VA.gov, SBDC.net) and other third-party resources. These links are provided for your convenience as informational references only.

VALoanCalc does not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing external links is at your own risk.

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any aspect of the Site at any time without notice.

To the maximum extent permitted by applicable law, VALoanCalc and its operators, employees, and content contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial loss resulting from reliance on calculator outputs or site content
• Loss of data or business interruption
• Loan denials or unfavorable loan terms obtained after using this Site

Our total liability to you for any claim arising from your use of the Site shall not exceed $100 USD. Some jurisdictions do not allow the exclusion or limitation of liability for consequential damages, so the above may not apply to you in full.

You agree to indemnify, defend, and hold harmless VALoanCalc and its operators from any claim, damage, loss, or expense (including reasonable legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the applicable federal or state courts.

We reserve the right to update these Terms at any time. When changes are made, we will revise the "Last updated" date at the top of this page. Significant changes will be communicated via a notice on the Site homepage for 30 days.

Your continued use of the Site following any posted changes constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, please stop using the Site.

Questions or concerns about these Terms? We're easy to reach: