Lighter Capital is dedicated to helping the small business owner by advancing loans to businesses that do not qualify for a traditional bank loan.
Information We Collect
We collect information required to verify your identity, to determine whether or not you qualify for our loan product or one of our funding partners, and to process your account. We collect information that could include your bank statements, credit card statements, your average bank balance, personal and business credit history, tax ID number, social security number, bank account information and payment behavior. We may conduct a site visit to collect information. We also obtain your credit score from the three credit bureaus. Once you are an Lighter Capital customer, we may reach out to you for information again if you decide to renew your loan.
Privacy and Sharing of Information
By providing us the required information as outlined above and in your application, you are granting Lighter Capital and our trusted business partners and service providers access to it. Your information is held securely by Lighter Capital and our trusted partners. We may share your basic information (Name, Company Name, Phone, Email Address and Requested Loan Amount) with one of our business partners if we are unable to provide you with a loan. Our partner, On Deck Capital, that offers alternative loan products and other merchant services, may contact you to offer you a loan product and to obtain further information.
Lighter Capital and your business partners may contact you to offer you products and services that may of interest to you. To opt-out of receiving emails, telephone solicitations or other forms of contact from Lighter Capital, and our trusted business partners regarding other products and services, please send an email to firstname.lastname@example.org with "Opt-Out" in the Subject line, or a letter by postal mail to:
ATTN: Marketing, Opt-Out
511 Boren Ave N
Seattle, WA 98109
You must include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.