Last Updated: March 31, 2026
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and KBBAT LLC ("Company," "we," "us," or "our") concerning your access to and use of our website and services.
By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.
KBBAT LLC provides direct business lending services, including but not limited to:
All financing products are subject to credit approval and underwriting standards. Terms, rates, and availability may vary based on creditworthiness, business performance, and other factors.
To use our services, you must:
By submitting a loan application, you authorize KBBAT LLC to:
Submission of an application does not guarantee approval or funding. All applications are subject to our underwriting criteria and final approval.
You represent and warrant that all information provided in your application is accurate, complete, and truthful. Providing false or misleading information may result in:
By providing your mobile phone number and expressly consenting to receive text messages from KBBAT LLC, you agree to the following terms:
Consent to Receive Messages: You agree to receive recurring marketing and promotional SMS/MMS messages from KBBAT LLC, 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 depending on your interactions with our services and promotional campaigns.
Message and Data Rates: Standard message and data rates may apply as determined by your mobile carrier. Consult your mobile plan for details. KBBAT LLC is not responsible for carrier charges.
Opt-Out Instructions: You may opt out of receiving text messages at any time by replying STOP to any message from KBBAT LLC. Upon receipt of your STOP request, we will send a confirmation message and cease sending further messages to your number.
Help: For assistance or questions about our text messaging program, reply HELP to any message or contact us at brian@the-kbbat.com.
Consent is NOT a Condition of Purchase: You are not required to consent to receiving promotional text messages as a condition of purchasing any goods or services from KBBAT LLC. You may contact us via email or through other means.
Supported Carriers: Our text messaging service is available on major U.S. carriers. Service may not be available on all carriers or in all areas.
No Warranty: We do not guarantee that messages will be delivered or received in a timely manner. Delays or failures in message delivery are beyond our control.
Upon approval and acceptance of a loan offer, you will enter into a binding loan agreement that specifies:
You agree to repay all amounts owed according to the terms of your loan agreement. Failure to make timely payments may result in:
You may prepay your loan in full or in part at any time, subject to the terms of your loan agreement. Some products may include prepayment fees or minimum interest charges.
All content on our website, including text, graphics, logos, images, and software, is the property of KBBAT LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.
You agree not to use our website or services for any unlawful or prohibited purpose, including but not limited to:
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, KBBAT LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.
Our total liability for any claims shall not exceed the amount of fees paid by you to KBBAT LLC in the twelve (12) months preceding the claim.
You agree to indemnify, defend, and hold harmless KBBAT LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising out of:
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
Any disputes arising out of or related to 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 where prohibited by law.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our website or services after changes are posted constitutes acceptance of the modified Terms.
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 and any loan agreements, constitute the entire agreement between you and KBBAT LLC regarding your use of our website and services.
If you have questions or concerns about these Terms, please contact us:
KBBAT LLC
27 Coffee Pot Blvd Ne
Saint Petersburg, FL 33704
Email: brian@the-kbbat.com