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Terms & Conditions

Please read these terms carefully before using our services.

Last Updated: May 4, 2026

Acceptance of Terms

By accessing and using the website fhlgrouphomes.com (the “Site”) operated by FHL Group Homes LLC (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use our Site or services.

Description of Services

FHL Group Homes LLC is a direct business lender providing financial services including working capital loans, revenue-based financing, equipment financing, business expansion funding, invoice factoring, and small business funding. Our services are designed for business purposes and are not intended for personal, family, or household use.

Eligibility

To use our services, you must be at least 18 years of age, be a legal resident of the United States, and have the legal authority to enter into binding contracts. By using our Site, you represent and warrant that you meet these eligibility requirements.

Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Site in any way that violates applicable federal, state, local, or international law or regulation
  • Transmit any advertising or promotional material without our prior written consent
  • Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
  • Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site
  • Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site

Application and Funding Process

Submitting an application through our Site does not guarantee funding approval. All applications are subject to our underwriting criteria, and we reserve the right to approve or deny any application at our sole discretion. Funding terms, including amounts, rates, and repayment schedules, will be specified in a separate funding agreement.

SMS Terms & Conditions

By opting in to receive text messages from FHL Group Homes LLC, you agree to the following:

  • You consent to receive recurring marketing and promotional SMS/MMS messages from FHL Group Homes LLC, sent using an automated telephone dialing system (ATDS).
  • Message frequency varies; you may receive up to 4 messages per month.
  • Message and data rates may apply. Contact your carrier for details on your messaging plan.
  • To opt out of text messages at any time, reply STOP to any message you receive from us. You will receive a confirmation message, and no additional messages will be sent unless you re-subscribe.
  • For help or assistance with our text messaging program, reply HELP to any message or contact us at ray@fhlgrouphomes.com.
  • Consent is NOT a condition of purchase. You are not required to opt in to receive SMS messages as a condition of purchasing any goods or services from FHL Group Homes LLC.

Supported carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint. Carriers are not liable for delayed or undelivered messages.

Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of FHL Group Homes LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Disclaimer of Warranties

The Site and all information, content, materials, and services provided on the Site are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, FHL Group Homes LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or related to your use of the Site or our services.

Indemnification

You agree to indemnify, defend, and hold harmless FHL Group Homes LLC, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, or expenses arising from your use of the Site or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any legal action or proceeding relating to these Terms shall be brought exclusively in the courts of Maricopa County, Arizona.

Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on this page with an updated “Last Updated” date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Us

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

FHL Group Homes LLC
6809 W Reade, Glendale, AZ 85303
Email: ray@fhlgrouphomes.com

FHL Group Homes

FHL Group Homes LLC is a direct business lender headquartered in Glendale, Arizona.

6809 W Reade, Glendale, AZ 85303

Email: ray@fhlgrouphomes.com

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