lendDEFY is not a lender or a commitment to lend unless otherwise stated. No hard credit inquiry is initiated by lendDEFY when you submit a capital profile or complete this application. A future capital provider may separately request credit information only through its own process, with any separate consent and disclosures it requires. Product information is not an offer, approval, rate quote, or individualized legal, tax, financial, investment, or credit advice. Terms, availability, documentation, collateral, underwriting, and final decisions vary by transaction and capital provider.