Last Updated: December 2025
1. General Disclosure & Compensation
HOUSTONMCMILLER.NET / 3WAYFUNDING.COM / BUSINESS CREDIT AMERICA INC. aims to provide our readers with helpful information and recommendations to assist with business, credit, and career development. To support this work, we maintain affiliate relationships with lenders and lending partners offering loan and funding products across our sites, social media, emails, and landing pages.
We may receive compensation (e.g., commissions via affiliate links or “ping-tree” bidding) when you submit leads or click to apply for products. This compensation may impact how, where, and in what order products appear on this site. While we strive to provide a wide range of offers, this site does not include all companies or all available financial products.
2. Editorial Independence & Objectivity
Our content on business credit, funding guides, and comparisons is produced independently by our editorial team.
- Honest Opinions: Even though the owner(s) of this website may receive compensation, we always provide our honest opinions, findings, or experiences. The views expressed on this website are purely those of the author.
- Independence: Our reviews and recommendations are not influenced by our advertisers. We make every effort to ensure that compensation does not interfere with our objectivity or the user experience.
- Verification: Any product claim, statistic, quote, or other representation about a product or service should be verified with the manufacturer or provider.
3. Sponsored Content & Advertising
- Sponsored Articles: Articles marked as “Sponsored” are paid for or provided by an advertiser. We receive compensation for the featured placement of this content. All sponsored articles are clearly labeled, and the sponsor is identified.
- Review Process: Sponsors may have the opportunity to review sponsored posts prior to publication to ensure accuracy, but they do not have editorial control over our final opinions.
- Display Advertising: Third parties advertising on our site may place or recognize cookies on your computer. These cookies allow third parties to serve relevant ads to you based on your interests. By using this site, you consent to these practices.
4. Network Partners & Affiliate Connections
In accordance with the Federal Trade Commission’s 16 CFR, Part 255, we are disclosing that we have a material connection with the following partners (this list is representative and not exhaustive):
- Financial & Loan Partners: Upstart, Upgrade, Viva Loans, IndyLend, Credit Lend, Zippy Loans, Badcreditloans, Personal Loans™, FundsJoy, CashAdvance, SuperMoney, American Express, Chase, and Capital One.
- Tribal Lenders: MaxLend and other sovereign lending entities (which operate under tribal law and may be immune to state usury caps).
- Business Tools & Formation: Nav Prime, FairFigure, Swyft Filings, Swyft Filings, Crown Office Supplies, JJ Gold International, and ADP Paystubs.
- Credit Repair & Reporting: MyFICO, MyScoreIQ, StellarFi, Kovo Credit, Dovly, Self, Earn Cheese, Kikoff, RentReporters, and Credit Strong.
5. Legal & Regulatory Compliance
- Not a Lender: We are not licensed finance lenders or brokers under California Financing Law (CFL) (Cal. Fin. Code §22000 et seq.) and do not originate loans.
- California Users: We comply with the Rosenthal FDCPA (Cal. Civ. Code §1788); we do not engage in debt collection. Per the CCPA, California residents have the right to know/delete their data (see our Privacy Policy).
- Prohibited States: Services are unavailable in New York, New Jersey, Vermont, and other states that prohibit lead-generation matching for certain loan types.
- Credit Checks: By using this site, you authorize our partners to perform credit checks (FCRA-compliant) via bureaus like Experian or TransUnion.
- APR Notice: Partners may offer loans with an APR up to 35.99%; tribal lenders may be higher. No guarantees of approval are made.
6. Conflict of Interest & Contact
This website does not contain any content which might present a conflict of interest. We take pride in our transparency and our mission to help you navigate the financial landscape.
If you have any questions regarding our advertising practices or the products featured on this site, please contact us directly:
Email: houston@businesscreditamerica.com
Address: Business Credit America, Inc., 269 S Beverly Dr #725, Beverly Hills, CA 90212
Consult with an attorney or licensed financial advisor; the information on this site is for informational purposes only and does not constitute legal or financial advice.
