Terms and Conditions

Last updated: October 2026. By creating an account you agree to these Terms and our Privacy Policy.

1. Who can apply

NiaLend is open to individuals and to businesses of every size — small, medium and large businesses, enterprises and corporations — seeking funding, and to licensed or otherwise eligible lenders including banks, credit unions, funding brokers, finance experts and private individuals.

2. Marketplace only

NiaLend connects borrowers with independent lenders. We are not a lender, do not make credit decisions and do not guarantee approval, rates or funding. Loan funds are disbursed and repaid directly between you and your chosen lender under the lender's own agreement.

3. Borrower membership and your debit card

Borrower accounts require a $4.99 per month membership. When you add your debit card, you authorize NiaLend to charge $4.99 immediately and then $4.99 every month on the same date until you cancel. The first charge also verifies that your card is valid, so you must make sure the card has sufficient funds. If a charge fails, your account may be paused until payment succeeds.

The card you add is stored securely by our payment processor (Stripe); NiaLend never sees your full card number. You may choose to give the same card to your lender for disbursement or repayments, but any such arrangement is made directly with the lender under its terms.

4. Lender subscriptions

Lender plans (Starter $79, Pro $249, Institution $799 per month) are billed monthly to the card on file until cancelled, in exchange for access to borrower leads and workflow tools.

5. Cancellation and refunds

You can cancel anytime from Billing & card in your account. Cancellation stops future charges; you keep access until the end of the paid month. Charges already made are non-refundable except where required by law.

6. Emails and communications

By signing up you agree that we may email you from time to time, including account status emails, transaction and billing emails, offer and lender activity updates, and promotional emails about NiaLend. You can unsubscribe from promotional emails at any time using the link in the email; account and transaction emails are part of the service.

7. Borrower information

By posting a request you authorize up to ten lenders who claim it to view your request and uploaded documents for the purpose of evaluating credit.

8. Offers

Offers are made solely by lenders and are subject to their final terms and verification. Accepting an offer on NiaLend signals intent; the binding agreement is signed with the lender.

9. Prohibited use

No fraud, false documents, misuse of borrower data, discriminatory lending, or contacting borrowers outside a claimed request.

10. Liability

To the maximum extent permitted by law, NiaLend is not liable for lender decisions or loan outcomes.

11. Changes

We may update these Terms. We will notify you by email of material changes, including any price change, before it takes effect.