Last Updated: March 9, 2026
Welcome to Louz Sales & Co LLC. By accessing or using our website and services, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our website or services.
These Terms apply to all users of the website, including without limitation browsers, applicants, and customers.
Louz Sales & Co LLC is a direct business lender providing financing solutions to businesses. Our services include, but are not limited to, working capital loans, revenue-based financing, equipment financing, short-term financing, and business expansion loans.
All financing is subject to credit approval and underwriting requirements. We reserve the right to decline any application at our sole discretion.
To apply for financing, you must:
When you submit an application for financing, you authorize us to:
Text Messaging Program: If you opt in to receive text messages from Louz Sales & Co LLC, the following terms apply:
Consent to Text Messages: By providing your mobile phone number and consenting to receive text messages, you agree that Louz Sales & Co LLC may send you text messages related to your inquiry, loan application, account updates, and relevant business financing opportunities using an automatic telephone dialing system (ATDS) or prerecorded/artificial voice messages.
Message Frequency: Message frequency may vary based on your account activity and preferences.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier's plan. Contact your carrier for details.
Supported Carriers: Our text messaging service is available for all major U.S. mobile carriers. Availability may vary.
Opt-Out Instructions: You may opt out of receiving text messages at any time by replying STOP to any message. You will receive one final confirmation message after opting out.
Help: For help or support, reply HELP to any message or contact us at isaac@louzsales.com.
Not a Condition of Purchase: Consent to receive text messages is NOT a condition of purchase or a requirement to obtain financing from Louz Sales & Co LLC. You may apply for and receive financing services without opting in to text message communications.
Privacy: Your mobile phone number and text message data will be used in accordance with our Privacy Policy. We do not sell or share your mobile number with third parties for their marketing purposes.
If your application is approved, the specific terms of your financing—including loan amount, interest rate, fees, repayment schedule, and other conditions—will be set forth in a separate loan agreement or financing contract.
You agree to review all loan documents carefully before signing. By signing the loan agreement, you acknowledge that you understand and agree to all terms and conditions.
All fees, interest rates, and charges will be disclosed in your loan agreement. We do not charge application fees or upfront fees. Any applicable origination fees, processing fees, or other costs will be clearly stated before you sign your agreement.
You agree to repay the loan according to the terms set forth in your loan agreement. Failure to make timely payments may result in late fees, penalties, and negative reporting to credit bureaus.
If you experience difficulty making payments, contact us immediately to discuss potential options.
Default occurs when you fail to make payments as agreed or violate other terms of your loan agreement. In the event of default, we may:
You agree to use our website only for lawful purposes. You may not:
All content on this website, including text, graphics, logos, and software, is the property of Louz Sales & Co LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, Louz Sales & Co LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless Louz Sales & Co LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of your use of our website or services, your violation of these Terms, or your violation of any rights of another party.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in Brooklyn, New York.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes your acceptance of the revised Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
If you have any questions about these Terms & Conditions, please contact us:
Louz Sales & Co LLC
2517 West St
Brooklyn, NY 11223
Email: isaac@louzsales.com