Acceptance
By accessing spatesfinancial.com you agree to these terms. If you do not agree, do not use the site.
No offer of credit
Nothing on this site is an offer, commitment, or guarantee of credit. Programme descriptions, term ranges, credit guidance, and payment estimates are illustrative and subject to change without notice. All financing requires a completed application, credit approval, satisfactory underwriting, and execution of definitive documents. The signed agreement controls over anything stated here.
Payment estimates
The estimator on this site produces an approximation using a representative payment factor. It is not a quote, does not reflect your credit profile, and excludes fees, taxes, and insurance.
No professional advice
Content here is general information about equipment financing. We do not provide legal, tax, or accounting advice. Consult your own advisors on the treatment of any structure, including depreciation, Section 179, and lease classification.
Accuracy of information you submit
You represent that information you submit is accurate and that you are authorised to submit it on behalf of the business named. Submitting false information in connection with a credit application may constitute fraud.
Intellectual property
Site content, design, and marks are owned by Spates Financial or its licensors. Photography is used under the licences listed on the photo credits page.
Disclaimer of warranties
The site is provided "as is" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
Limitation of liability
To the maximum extent permitted by law, Spates Financial will not be liable for indirect, incidental, special, consequential, or punitive damages arising out of your use of this site.
Governing law
These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Venue lies in the state and federal courts located in Nassau County, New York.
Contact
Spates Financial
415 Crossways Park Dr, Suite C
Woodbury, NY 11797
877-233-1475