Last updated: December 21, 2025

This Electronic Records and Signatures Consent (“E-SIGN Consent”) applies to your interactions with State Capital Finance Inc. (“State Capital Finance,” “we,” “us,” or “our”) through statecapitalfinance.com, including loan inquiries, applications, disclosures, agreements, and related communications.

Company Information
State Capital Finance Inc.
2645 Executive Park Drive, Suite 403
Weston, FL 33331
Email: support@statecapitalfinance.com

Consent to Electronic Communications

By accessing our website, submitting information, or applying for services electronically, you consent to receive all communications, disclosures, notices, documents, and agreements (“Records”) from us electronically, rather than in paper form.

These Records may include, but are not limited to:

• Loan applications and agreements
• Disclosures and notices required by law
• Account communications and updates
• Adverse action notices
• Privacy notices

Electronic Signatures

You agree that your electronic signature, acknowledgment, or acceptance:

• Is the legal equivalent of a handwritten signature;
• Has the same legal effect as a signed paper document;
• Is binding and enforceable under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

Hardware and Software Requirements

To access and retain electronic Records, you must have:

• A device with internet access (computer, tablet, or smartphone);
• A current web browser;
• A valid email address;
• The ability to view and retain PDF files.

Right to Withdraw Consent

You may withdraw your consent to receive electronic Records at any time by contacting us at support@statecapitalfinance.com.

Withdrawing consent may:

• Delay or prevent completion of your application;
• Require paper-based processing;
• Limit or terminate our ability to provide services electronically.

Requesting Paper Copies

You may request a paper copy of any Record at no charge by contacting us at support@statecapitalfinance.com.

Consent Acknowledgment

By clicking “I Agree,” submitting an application, or otherwise proceeding electronically, you confirm that:

• You can access and retain electronic Records;
• You consent to electronic delivery of Records;
• You agree to use electronic signatures.

2. Credit Authorization & TCPA Consent

(FCRA + Communications Consent)

Credit Authorization and Communications Consent

Last Updated: [Insert Date]

This Credit Authorization and Communications Consent (“Authorization”) applies to your interactions with State Capital Finance Inc. (“State Capital Finance,” “we,” “us,” or “our”).

Authorization to Obtain Consumer Reports (FCRA)

By submitting information through our website or application, you authorize State Capital Finance Inc. to:

• Obtain consumer credit reports and other consumer information from credit reporting agencies;
• Verify information you provide, including income, employment, and identity;
• Obtain additional consumer reports for account review, servicing, renewal, or collection purposes, if applicable.

This authorization is provided in accordance with the Fair Credit Reporting Act (FCRA) and applicable state laws.

You understand that:

• Credit reports may affect eligibility and loan terms;
• We may take adverse action based on information in a consumer report;
• You will receive required notices if adverse action is taken.

Communications Consent (TCPA)

By providing your contact information, including phone number(s) and email address, you expressly consent to receive communications from State Capital Finance Inc., including but not limited to:

• Phone calls
• Text messages (SMS/MMS)
• Emails
• Automated or prerecorded messages

These communications may relate to:

• Your inquiry or application
• Account servicing
• Payment reminders
• Customer support
• Marketing or promotional messages (where permitted by law)

Autodialed and Prerecorded Messages

You agree that communications may be sent using:

• Automatic telephone dialing systems;
• Artificial or prerecorded voice messages.

Your consent is not a condition of purchase or loan approval.

Opt-Out Rights

You may revoke your consent at any time by:

• Replying “STOP” to any text message;
• Following opt-out instructions in emails;
• Contacting us at support@statecapitalfinance.com.

Revoking consent may limit our ability to communicate with you regarding your application or account.

Accuracy of Information

You represent that all information you provide, including contact details, is accurate and that you are authorized to provide it.

Providing false or misleading information may result in denial of services.

Governing Law

This Authorization shall be governed by and construed in accordance with the laws of the State of Florida and applicable federal law.