Terms of Service

Last updated: February 24, 2026

1. Acceptance of Terms

By accessing or using the website and services of Higher Level Processing Inc (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Services Description

Higher Level Processing Inc is a direct business lender providing various financial products and services to businesses. Our website provides information about our services and allows you to submit inquiries and applications. All funding offers are subject to approval and underwriting.

3. Eligibility

Our services are available to businesses operating in the United States. By using our services, you represent that you are authorized to act on behalf of the business entity submitting an application and that all information provided is accurate and complete.

4. User Obligations

When using our website and services, you agree to:

5. SMS/Text Messaging Terms

If you opt in to receive SMS or text messages from Higher Level Processing Inc, you agree to the following terms:

  • By opting in, you consent to receive text messages from Higher Level Processing Inc, which may be sent using an automatic telephone dialing system (ATDS), regarding your inquiry, application status, funding offers, and related services, including promotional and customer care messages.
  • Message frequency varies based on your interactions and account activity.
  • Message and data rates may apply depending on your mobile carrier and plan.
  • You may opt out at any time by replying STOP to any message. You will receive a single confirmation message after opting out.
  • For assistance, reply HELP to any message or contact us at kathleen@higher-level-processing.com.
  • Consent to receive SMS messages is NOT a condition of purchase or receiving any services from Higher Level Processing Inc.
  • We will not sell, rent, or share your mobile phone number or information collected through our SMS program with third parties for their marketing purposes.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Higher Level Processing Inc or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Disclaimer of Warranties

Our website and services are provided on an “as is” and “as available” basis. We make no warranties, expressed or implied, regarding the accuracy, reliability, or availability of our website or services. We do not guarantee that any funding application will be approved.

8. Limitation of Liability

To the fullest extent permitted by law, Higher Level Processing Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, regardless of the cause of action or the theory of liability.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in Osceola County, Florida.

10. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on this page. Your continued use of our website and services after any changes constitutes acceptance of the modified terms.

11. Contact Us

If you have questions about these Terms of Service, please contact us at:

Higher Level Processing Inc
1 Courthouse Square, Suite 207
Kissimmee, FL 34741
Email: kathleen@higher-level-processing.com