1. About these terms
This website at https://flagler.capital is operated by Flagler Capital LLC (in formation) ("Flagler Capital," "we," "us," or "our"), a Miami, Florida company. By accessing or using the site you agree to these Terms of Use ("Terms"). If you do not agree, please do not use the site.
2. Commercial, business-purpose loans only
Flagler Capital makes commercial, business-purpose loans to Florida limited liability companies only. These are not consumer loans and this is not consumer credit. Loans are not made for personal, family, or household purposes, and financed vehicles may not be used personally. The borrower must be a Florida LLC, and a personal guarantee from the owners is typically required.
Because our loans are business-purpose loans to business entities, they are not subject to consumer-credit disclosure regimes such as the federal Truth in Lending Act (TILA). Nothing on this site is a consumer-credit offer or disclosure.
3. The website is informational
The content on this site — including rates, ranges, terms, examples, eligibility criteria, and timelines — is provided for general informational purposes only. It is not financial, legal, tax, or investment advice, and it does not constitute an offer to lend or a commitment to extend credit on any particular terms. Figures and examples are illustrative and may change at any time without notice.
4. Submitting the form is an inquiry, not an application or commitment
Completing and submitting the qualification form is an inquiry that places you in our funding queue. It is not a loan application, not a credit application, and not a commitment by Flagler Capital to lend. We do not pull credit at the inquiry stage. No loan exists, and no terms are binding, unless and until both parties sign a definitive written loan agreement.
All loans are subject to:
- Full underwriting and credit approval, including verification of the information you provide.
- Acceptable collateral — typically a first-lien security interest in the financed vehicles and a UCC filing on business receivables.
- Required insurance — a qualifying commercial/off-trip policy with Flagler Capital named as loss payee.
- Capital availability — funding windows open periodically and qualified files are funded on a first-come, first-served basis.
5. "APR-equivalent" — what it means and what it does not
Where the site refers to an "APR-equivalent" rate, that figure is the annualized cost of our fixed simple-interest rate, expressed for comparison purposes only. It is provided to help a business borrower compare our pricing against other financing options on a roughly like-for-like basis.
- It is not a TILA-disclosed consumer Annual Percentage Rate and is not calculated under, or governed by, consumer-lending disclosure rules.
- It excludes the real, third-party pass-through costs — approximately $500 per vehicle (for example, title lien recording, UCC filing, credit and background reports, and GPS hardware) — which are passed through at cost and itemized separately on your term sheet.
Your actual rate, payment, and total cost are determined by your file and are set out in your individual term sheet and loan documents, which control over anything stated on this website.
6. No warranty; site provided "as is"
The website and all content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, secure, or free of harmful components, or that any information on it is complete, current, or accurate. You use the site at your own risk.
7. Limitation of liability
To the fullest extent permitted by law, Flagler Capital and its members, managers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or business, arising out of or relating to your use of (or inability to use) this website, even if advised of the possibility of such damages. To the extent any liability cannot be excluded, our total aggregate liability arising out of or relating to the website is limited to one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
8. Governing law and venue
These Terms and any dispute arising out of or relating to them or the website are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. You agree that the exclusive venue for any such dispute lies in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts. Terms applicable to any specific loan are set out in that loan's definitive documents.
9. Trademarks and no affiliation with Turo
"Turo" is a trademark of Turo Inc. Flagler Capital is an independent lender and is not affiliated with, endorsed by, sponsored by, or otherwise connected to Turo Inc. References to Turo are for identification and descriptive purposes only, to describe the car-sharing operators we serve. All other trademarks, service marks, and trade names referenced on this site are the property of their respective owners.
10. Intellectual property
The website and its content — including text, graphics, logos, layout, and design — are owned by Flagler Capital or its licensors and are protected by copyright, trademark, and other laws. You may view and use the site for your own legitimate, non-commercial purpose of evaluating our financing. You may not copy, reproduce, republish, distribute, modify, or create derivative works from the site or its content without our prior written permission.
11. Acceptable use
You agree not to use the site for any unlawful purpose; not to submit false, misleading, or fraudulent information; not to attempt to gain unauthorized access to our systems; and not to interfere with the operation or security of the site or with other users.
12. Changes to these terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Changes are effective when posted, and your continued use of the website after that point means you accept the revised Terms. We encourage you to review this page periodically.