Terms and conditions for using our services
Last Updated: February 11, 2026
Welcome to NorthPoint MIC LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms.
By accessing or using the services provided by NorthPoint MIC LLC, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.
NorthPoint MIC LLC is a direct business lender providing financing solutions including:
We fund from our own capital and provide financing directly to qualifying businesses. All funding is subject to approval, creditworthiness, and business verification.
To use our services, you must:
When using our services, you agree to:
All funding applications are subject to approval based on creditworthiness, business verification, and our internal underwriting criteria. Submitting an application does not guarantee approval or funding. We reserve the right to:
IMPORTANT: Consent to receive text messages is NOT required as a condition of purchase or to receive our services.
NorthPoint MIC LLC offers an optional SMS notification program. By opting in, you expressly consent to receive text messages from us at the mobile phone number you provide. These messages may be sent using an automatic telephone dialing system and may include:
You will only receive SMS messages if you explicitly opt in by:
By opting in and providing your mobile phone number, you consent to receive text messages sent by automatic telephone dialing system from NorthPoint MIC LLC. Your consent is voluntary and entirely optional.
You are NOT required to consent to SMS communications as a condition of purchasing any goods or services from NorthPoint MIC LLC. You may access our services and apply for funding without opting in to text messages.
Message frequency varies based on your activity and preferences. You may receive multiple messages per week or per month depending on your account activity and selected preferences. Standard message and data rates may apply based on your mobile carrier's plan. Contact your mobile carrier for information about your plan and potential charges.
You may opt out of SMS messages at any time by:
After you text STOP, you will receive one final confirmation message acknowledging your opt-out request. You will not receive any further messages unless you opt back in.
For assistance with SMS messages, text HELP to any message you receive from us, or contact us at matthew@northpointmic.com.
SMS services are available on most major U.S. mobile carriers. We are not responsible for any delays or failures in message delivery caused by your mobile carrier or device. Mobile carriers are not liable for delayed or undelivered messages.
We will not sell or share your mobile phone number with third-party marketers without your explicit consent. Your phone number will only be used by NorthPoint MIC LLC for the purposes described in these Terms and our Privacy Policy. We do not share your SMS opt-in consent with third parties.
We reserve the right to modify or discontinue our SMS program at any time. We will notify you of any material changes to the SMS program via text message or other communication methods.
All fees, interest rates, and payment terms will be disclosed in your funding agreement. By accepting funding, you agree to repay the amount borrowed according to the terms specified in your agreement. Late payments may result in additional fees and may impact your credit.
All content on our website, including text, graphics, logos, images, and software, is the property of NorthPoint MIC LLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components.
To the fullest extent permitted by law, NorthPoint MIC LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.
You agree to indemnify and hold harmless NorthPoint MIC LLC, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of our services or violation of these Terms.
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. We encourage you to review their terms before interacting with them.
We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice, if we believe you have violated these Terms or engaged in fraudulent or illegal activity.
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of Pennsylvania.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and NorthPoint MIC LLC regarding your use of our services.
If you have any questions or concerns about these Terms of Service, please contact us:
NorthPoint MIC LLC
240 Terrace Drive
Peckville, PA 18452
Email: matthew@northpointmic.com
SMS Terms Summary: By opting in to SMS communications, you consent to receive text messages from NorthPoint MIC LLC sent via automatic telephone dialing system at the phone number you provide. Message and data rates may apply. Message frequency varies. Text STOP to cancel or HELP for assistance. Consent to receive text messages is NOT required as a condition of purchase or to receive our services. We will not sell or share your mobile phone number with third parties. For complete SMS terms, see Section 6 above.