Last Updated: April 1, 2026
Welcome to Pennysdream Inc. By accessing our website or using our services, you agree to be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully before proceeding.
By using this website, submitting inquiries, or applying for financing through Pennysdream Inc, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with these Terms, you must discontinue use of our services immediately.
Pennysdream Inc is a direct business lender providing various financing solutions, including but not limited to working capital loans, revenue-based financing, equipment financing, and commercial real estate funding. All lending decisions are made at our sole discretion based on creditworthiness, business performance, and other relevant factors.
To apply for financing through Pennysdream Inc, you must:
Submission of an application does not guarantee approval. We reserve the right to deny any application for any reason without explanation.
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
All loan terms, including principal amount, interest rates, repayment schedules, fees, and collateral requirements, will be detailed in a separate loan agreement. The loan agreement will govern the specific terms of any financing arrangement and will take precedence over these general Terms in case of conflict.
Borrowers are responsible for understanding all loan terms before signing any agreement. We encourage you to seek independent legal and financial advice before entering into any financing commitment.
If you opt in to receive text messages from Pennysdream Inc, the following terms apply:
Consent: By providing your mobile phone number and checking the SMS opt-in box, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Pennysdream Inc, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be lower or higher depending on your interaction with our services, application status, and promotional campaigns.
Message and Data Rates: Message and data rates may apply. You are responsible for any charges imposed by your mobile carrier for receiving text messages.
Opt-Out: You can opt out of text message communications at any time by replying STOP to any message from Pennysdream Inc. Upon receiving your STOP request, we will send one final confirmation message and cease all further SMS communications.
Help: For assistance with SMS communications, reply HELP to any message or contact us at penny@pennysdreamfinancial.com.
Not a Condition: Consent to receive text messages is NOT a condition of purchase, loan approval, or using our services. You may communicate with us through other channels such as email, phone calls, or in-person meetings.
Carrier Compatibility: SMS services are available on most major U.S. mobile carriers. We are not responsible for messages that are delayed or undelivered due to carrier network issues, device incompatibility, or other technical problems outside our control.
Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in the Privacy Policy.
All content on this website, including text, graphics, logos, images, and software, is the property of Pennysdream Inc or its content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our 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:
To the fullest extent permitted by law, Pennysdream Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from:
Our total liability to you for any claims arising from your use of our services shall not exceed the amount paid by you to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Pennysdream Inc, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any loan agreements you enter into with us, constitute the entire agreement between you and Pennysdream Inc regarding your use of our services.
If you have questions or concerns about these Terms, please contact us:
Pennysdream Inc
Email: penny@pennysdreamfinancial.com