Last Updated: January 1, 2025 | BH I and A Inc, 2274 East 7th Street, Brooklyn, NY 11223
These Terms and Conditions ("Terms") govern your access to and use of the website located at bhiand-a.com (the "Site") and any related services provided by BH I and A Inc ("Company," "we," "us," or "our"). By accessing or using the Site, submitting an application, or communicating with us, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
We reserve the right to modify these Terms at any time. Continued use of the Site following any changes constitutes your acceptance of the revised Terms. The date of the most recent revision is indicated at the top of this page.
BH I and A Inc is a direct business lender providing working capital loans, revenue-based financing, equipment financing, invoice financing, business expansion funding, and business lines of credit to eligible business entities. All funding products are subject to credit review, underwriting, and approval.
Nothing on this Site constitutes a guarantee, commitment, or offer to provide funding. All inquiries and applications will be reviewed by our team and are subject to eligibility requirements, credit review, and applicable law. Submitting an application does not obligate BH I and A Inc to provide financing, and all lending decisions are made at our sole discretion.
Our services are available exclusively to business entities (including sole proprietors operating in a business capacity) located in the United States. By submitting an application or inquiry, you represent that:
The content on this Site — including product descriptions, funding ranges, approval timeframes, and qualification criteria — is provided for general informational purposes only. Actual terms, rates, repayment schedules, and fees will be disclosed in your specific funding agreement and may differ from any general information presented on the Site.
BH I and A Inc does not provide legal, tax, or financial advice. You are encouraged to consult with qualified independent advisors before entering into any financial agreement.
By opting in through our website contact form or other opt-in mechanism, you agree to receive SMS and MMS text messages from BH I and A Inc as described below.
Program Description: BH I and A Inc sends recurring marketing and promotional SMS/MMS messages, 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.
Rates: Message and data rates may apply depending on your mobile carrier and plan.
To Stop: Reply STOP to any message at any time. You will receive a final confirmation message, and no further SMS messages will be sent to you.
Help: Reply HELP to any message for assistance, or contact us directly at isaac@bhiand-a.com.
Consent Not Required: Consent to receive SMS messages is NOT a condition of purchase or receipt of services from BH I and A Inc. You may inquire about and receive our financial services without opting in to SMS communications.
You may opt out of receiving SMS messages at any time by replying STOP to any text message received from BH I and A Inc. After opting out, you will receive a one-time confirmation message and will not receive further SMS messages unless you opt back in. You may also contact us at isaac@bhiand-a.com to request removal from our SMS list.
SMS messaging is available on all major U.S. carriers. Carrier support may vary. We are not responsible for delays or failure of messages caused by factors outside our control, including carrier network conditions.
Mobile opt-in data and SMS consent information are not shared with any third parties for any purpose, including marketing, advertising, or data monetization. This commitment is absolute and not subject to exception.
You agree to provide accurate, truthful, and complete information in all applications, inquiries, and communications with BH I and A Inc. Providing false or misleading information in a funding application is a material breach of these Terms and may result in immediate disqualification, termination of any funding arrangement, and may expose you to civil and/or criminal liability under applicable law.
All content on this Site — including text, graphics, logos, page layouts, and design elements — is the property of BH I and A Inc or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without express written permission from BH I and A Inc.
To the fullest extent permitted by applicable law, BH I and A Inc 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 this Site or our services, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or related to these Terms or our services shall not exceed the amount of fees, if any, paid by you to BH I and A Inc in the six months preceding the event giving rise to the claim.
This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. BH I and A Inc does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on the Site.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or the services provided by BH I and A Inc shall be subject to the exclusive jurisdiction of the state and federal courts located in Brooklyn, New York.
Your use of our Site and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy carefully, as it describes how we collect, use, and protect your personal information, including your rights with respect to SMS communications and mobile data.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.
These Terms, together with our Privacy Policy and any specific funding agreements entered into with BH I and A Inc, constitute the entire agreement between you and BH I and A Inc with respect to the subject matter hereof, and supersede all prior or contemporaneous communications, representations, or agreements regarding such subject matter.
For questions about these Terms and Conditions, please contact us: