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Terms & Conditions

Effective Date: November 14, 2025

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1. Acceptance of Terms

Welcome to the Fullerfield Capital LLC ("Fullerfield Capital," "we," "us," or "our") website. By accessing or using our website at [insert website URL] (the "Website"), you agree to be bound by these Terms & Conditions (the "Terms"). If you do not agree to these Terms, please do not use our Website.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

 

2. About Fullerfield Capital

Fullerfield Capital LLC is a specialty lender providing flexible debt financing to regenerative farms, food processors, and consumer packaged goods (CPG) brands across the Northeast United States. Our lending products include bridge loans, inventory financing, equipment financing, revenue-based loans, convertible notes, working capital lines, and loan guarantees.

Fullerfield Capital is a for-profit limited liability company and is not a 501(c)(3) nonprofit organization. We operate independently but maintain a relationship with Fullerfield Foundation Inc., a separate 501(c)(3) nonprofit entity that provides grants and technical assistance.

 

3. Use of Website

Permitted Use

You may use our Website for lawful purposes, including:

  • Learning about our lending products and services

  • Submitting loan inquiries or applications

  • Accessing resources and information about agricultural finance

  • Contacting us with questions

  • Subscribing to our newsletter and updates

 

Prohibited Use

You agree not to:

  • Use the Website in any way that violates applicable federal, state, or local laws or regulations

  • Submit false, misleading, or fraudulent information in any loan application or communication

  • Impersonate any person or entity or misrepresent your affiliation with any person or entity

  • Interfere with or disrupt the Website or servers or networks connected to the Website

  • Attempt to gain unauthorized access to any portion of the Website or any systems or networks

  • Use any automated system (including robots, spiders, or scrapers) to access the Website without our prior written permission

  • Transmit any viruses, malware, or other malicious code

  • Collect or harvest personal information about other users

  • Copy, reproduce, distribute, or create derivative works from Website content without permission

  • Use the Website for any unlawful or unauthorized commercial purpose

 

4. Intellectual Property Rights

Our Content

All content on this Website, including but not limited to text, graphics, logos, images, videos, data compilations, and software, is the property of Fullerfield Capital LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

The Fullerfield Capital name, logo, and all related marks are trademarks of Fullerfield Capital LLC. You may not use our trademarks without our prior written permission.

 

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal or business purposes in accordance with these Terms. This license does not include any right to:

  • Resell or make commercial use of the Website or its content

  • Make derivative uses of the Website or its content

  • Download or copy content for the benefit of another individual or entity (except in connection with your loan application)

  • Use data mining, robots, or similar data gathering methods

 

User Submissions

If you submit content to our Website (including through loan applications, contact forms, or inquiries), you grant Fullerfield Capital a perpetual, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, adapt, and display such content in connection with our business operations. You represent and warrant that you own or have the necessary rights to any content you submit and that such content does not violate any third-party rights.

 

5. Loan Applications and Inquiries

Application Process

Loan applications and inquiries submitted through our Website are subject to comprehensive underwriting and due diligence. Submission of an application does not constitute a commitment to lend or guarantee approval or funding.

 

No Guarantee of Approval

Fullerfield Capital makes no guarantees regarding the approval, timing, terms, or amount of any loan. Loan decisions are made at our sole discretion based on creditworthiness, business viability, collateral value, alignment with our mission, and other factors we deem relevant.

 

Accuracy of Information

You represent and warrant that all information provided in a loan application or inquiry is true, accurate, current, and complete. Providing false or misleading information may result in:

  • Immediate disqualification from consideration

  • Termination of any existing loan relationship

  • Legal action, including reporting to appropriate authorities

  • Liability for any damages or losses we incur as a result

 

Confidentiality

We treat loan applications and business information as confidential, subject to the limitations described in our Privacy Policy and Financial Privacy Notice. However, we cannot guarantee absolute confidentiality. Information may be shared with:

  • Our employees, advisors, and service providers

  • Credit bureaus and background check providers

  • Appraisers, title companies, and other due diligence specialists

  • Co-lenders, investors, or loan participants

  • Government agencies and regulators as required by law

 

Application Fees

We do not charge fees to submit or review loan applications. However, if a loan is approved and you proceed to closing, you may be responsible for certain third-party costs such as appraisals, title searches, legal fees, and recording fees as specified in your loan agreement.

 

6. No Financial or Legal Advice

Informational Purposes Only

Content on this Website is for informational purposes only and does not constitute professional financial, legal, accounting, tax, or business advice. The information provided about our lending products, interest rates, terms, and agricultural finance topics is general in nature and may not be suitable for your specific situation.

 

No Advisor Relationship

Nothing on this Website creates an advisor-client, fiduciary, or confidential relationship between you and Fullerfield Capital. We are a lender, not a financial advisor or consultant. You should consult with appropriate professionals (attorneys, accountants, financial advisors) before making borrowing decisions or entering into any loan agreement.

 

No Investment Advice

Information on this Website about investing in Fullerfield Capital or our lending fund is for informational purposes only and does not constitute investment advice or an offer to sell securities. Any investment opportunities are available only to accredited investors and qualified purchasers through separate offering documents. Securities are offered only where lawful.

 

7. Disclaimers

General Disclaimer

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

 

No Guarantee of Results

We make no guarantees regarding:

  • Approval of any loan application

  • The success of businesses that receive our financing

  • Interest rates, terms, or conditions that may be offered

  • The availability of any particular loan product

  • Website availability, functionality, or error-free operation

 

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or timeliness of any content on the Website. Information about our lending products, interest rates, eligibility criteria, and application processes is subject to change without notice.

 

Third-Party Information

We may provide information about market conditions, agricultural trends, or industry data from third-party sources. We do not verify the accuracy of such third-party information and make no representations regarding its reliability.

 

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FULLERFIELD CAPITAL LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AND AFFILIATES 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, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

  • Your access to or use of or inability to access or use the Website

  • Any conduct or content of any third party on the Website

  • Any content obtained from the Website

  • Unauthorized access, use, or alteration of your transmissions or content

  • Your reliance on information provided on the Website

  • Any loan application decision, whether approved or denied

  • Any terms, conditions, or performance of any loan agreement

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

 

9. Indemnification

You agree to indemnify, defend, and hold harmless Fullerfield Capital LLC, its members, managers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of or inability to use the Website

  • Your violation of these Terms

  • Your violation of any rights of another party

  • Any information or content you submit through the Website

  • Any false or misleading statements in your loan application

  • Your breach of any representations or warranties made to us

 

10. Third-Party Links and Content

Our Website may contain links to third-party websites, services, or resources, including industry publications, partner organizations, and service providers. These links are provided for your convenience only. We do not endorse and are not responsible for:

  • The content, accuracy, or opinions expressed on third-party websites

  • The privacy practices or policies of third-party websites

  • Any products or services available through third-party websites

  • The business practices of entities we may reference

Your interactions with third-party websites are governed by their own terms and policies. We encourage you to review the terms and privacy policies of any third-party sites you visit.

 

11. Relationship with Fullerfield Foundation Inc.

Fullerfield Capital LLC operates independently as a for-profit lender. We maintain a relationship with Fullerfield Foundation Inc., a separate 501(c)(3) charitable organization that provides grants and technical assistance to regenerative food and agriculture businesses.

While we share a common mission and brand, we are separate legal entities with distinct operations, governance structures, and regulatory frameworks:

  • Fullerfield Capital LLC provides debt financing and operates as a for-profit business

  • Fullerfield Foundation Inc. provides grants and technical assistance as a tax-exempt nonprofit

Any references to grants, technical assistance, or charitable activities on this Website refer to services provided by Fullerfield Foundation Inc., not Fullerfield Capital LLC. For information about Fullerfield Foundation's programs, please visit [Foundation website URL].

We may coordinate with Fullerfield Foundation to provide comprehensive support to regenerative food businesses, but loan decisions are made independently by Fullerfield Capital based on credit and business criteria.

 

12. Geographic Scope and Eligibility

Fullerfield Capital operates exclusively in the United States and provides financing only to businesses located in or primarily operating in the Northeast region, including:

  • Vermont, New Hampshire, Maine

  • New York, Massachusetts, Connecticut, Rhode Island

  • Pennsylvania

Loan applicants must:

  • Be U.S.-based legal entities with operations in the Northeast

  • Have valid U.S. business registration and tax identification

  • Meet our credit, collateral, and business criteria

  • Operate in the regenerative food and agriculture sector

We do not provide financing to international businesses or businesses outside our geographic focus area.

 

13. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy and Financial Privacy Notice, which are incorporated into these Terms by reference. Please review these documents to understand how we collect, use, and protect your information.

By using this Website or submitting a loan application, you consent to:

  • Collection of personal and business information as described in our Privacy Policy

  • Credit checks and background verification

  • Sharing of information as described in our Financial Privacy Notice

  • Use of cookies and tracking technologies

 

14. Equal Credit Opportunity

Fullerfield Capital complies with the Equal Credit Opportunity Act (ECOA) and does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public assistance program.

If you believe you have been discriminated against, you may file a complaint with:

Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, IA 52244
Phone: 855-411-2372
Website: www.consumerfinance.gov/complaint

 

15. Compliance and Regulatory Matters

Anti-Money Laundering (AML)

Fullerfield Capital complies with federal anti-money laundering laws and regulations. We are required to obtain, verify, and record information that identifies each borrower. This includes collecting names, addresses, dates of birth, and other identifying information. We may also verify information through government databases and third-party sources.

 

Customer Identification Program (CIP)

Federal law requires us to verify your identity when you apply for a loan. We will ask for documents such as:

  • Driver's license or government-issued photo ID

  • Business formation documents

  • Tax identification numbers

  • Beneficial ownership information

 

Office of Foreign Assets Control (OFAC)

We screen all loan applicants against OFAC sanctions lists and do not provide financing to entities or individuals on sanctioned lists or located in embargoed countries.

 

Fair Lending

We are committed to fair and responsible lending practices and comply with all applicable federal and state lending laws and regulations.

 

16. Arbitration and Dispute Resolution

 

Informal Resolution

Before filing any legal action, you agree to first contact us to attempt to resolve any dispute informally. Many disputes can be resolved quickly and efficiently through direct communication.

 

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

 

Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website (excluding disputes related to loan agreements, which are governed by the terms of those agreements) shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Key Terms:

  • Arbitration will be conducted in New York, New York

  • The arbitrator's decision will be final and binding

  • You waive your right to a jury trial

  • You waive your right to participate in a class action

Exceptions: You may bring claims in small claims court if they qualify, and either party may seek injunctive relief in court for intellectual property violations or unauthorized use of the Website.

 

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to us within 30 days of first using the Website. The notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement. Send to: [Mailing Address].

 

17. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

 

18. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Fullerfield Capital LLC.

 

19. Entire Agreement

These Terms, together with our Privacy Policy, Financial Privacy Notice, and any other policies or guidelines posted on the Website, constitute the entire agreement between you and Fullerfield Capital LLC regarding your use of the Website and supersede all prior agreements and understandings.

These Terms do not govern loan agreements, which are subject to separate written agreements between Fullerfield Capital and borrowers.

 

20. Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, labor disputes, governmental actions, internet failures, or utility failures.

 

21. Contact Information

If you have questions about these Terms & Conditions, please contact us:

Fullerfield Capital LLC
295 Madison Avenue

Fl 12, #1032
Email: admin@fullerfield.com

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For specific inquiries:

 

Acknowledgment: By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

 

Last Updated: November 14, 2025

 © 2025 Fullerfield. All Rights Reserved.

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