Privacy Policy

Effective date: September 14, 2026

Who we are

This Privacy Policy describes how Standby Capital SPV I LLC, doing business as Standby Capital ("Standby," "we," "us," or "our"), collects, uses, and shares information when you visit standbycapital.com, contact us, or apply for business funding. Our products are commercial financing products offered to businesses only; we do not offer consumer products.

Information we collect

When you apply for funding or work with us, we may collect:

• Business information: legal name, address, entity type, tax identification number, time in business, industry, and revenue information.
• Owner and guarantor information: name, home address, phone number, email address, date of birth, Social Security number, driver's license number, ownership percentage, and a copy of a government-issued photo ID.
• Financial information: business bank statements, bank account and routing numbers for funding and remittances, read-only bank data shared through a secure account-connection service, and, where your agreement with us requires it, online banking access credentials for your designated account so that we can verify receivables and perform reconciliations and adjustments.
• Credit information: business and personal credit reports and related data, obtained with the authorization you provide in your application.
• Website and communications data: information you submit through the site or by email or phone, and basic technical data (such as browser type and pages visited) collected through standard web logs.

Where we get information

Most of the information above comes from you, through your application and the documents you provide. We also receive information about you from independent sales organizations and brokers who submit an application on your behalf, and from banks, payment processors, credit bureaus, identity-verification services, and public records.

How we use information

• To evaluate funding applications and make underwriting decisions.
• To fund purchases of future receivables, collect remittances, and service your account, including initiating ACH credits and debits you have authorized.
• To verify identity, prevent fraud, and protect our business and our customers.
• To communicate with you about your application, your account, and our products.
• To collect amounts owed to us and to enforce our agreements, including contacting your bank, your payment processors, and parties that owe money to your business.
• To comply with legal, regulatory, and contractual obligations.

How we share information

We do not sell personal information, and we do not share personal information for cross-context behavioral advertising. We share information only as needed to run our business:

• Affiliates and service providers: our affiliated manager and servicer, payment processors and banks, credit bureaus, identity-verification and fraud-prevention services, electronic-signature providers, and the software platform we use to originate and service accounts.
• Financing participants: co-investors, participants, syndication partners, and assignees in a funding transaction, subject to confidentiality terms where applicable.
• Collections and enforcement: your bank, your payment processors, and parties that owe money to your business, where we are collecting or enforcing amounts owed under your agreement with us.
• Professional advisors: attorneys, accountants, and auditors.
• Business transfers: a buyer or successor in connection with a sale, financing, or transfer of all or part of our business or our receivables.
• Legal and safety: when required by law, subpoena, or court order, or to protect our rights, our customers, or others.

How we protect and retain information

We use commercially reasonable administrative, technical, and physical safeguards to protect the information we hold, and we limit access to people who need it to do their jobs. We retain application and account records for as long as needed to serve you and to meet legal, regulatory, and audit requirements, and then dispose of them securely. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Your choices

You may opt out of marketing emails at any time by using the unsubscribe link, replying to any email, or contacting us at info@standbycapital.com, and you may opt out of marketing text messages by replying STOP. Opting out of marketing does not stop messages about your application or your account. You may contact us to review or correct the contact and business information you have provided; if you disagree with the contents of a credit report, direct that dispute to the credit bureau that furnished it. Depending on where you live, you may have additional rights under state law regarding access to, correction of, or deletion of your personal information; we honor rights requests as required by applicable law.

Other things to know

Our website and products are intended for businesses and their owners, not for children, and we do not knowingly collect information from anyone under 18. Our site may link to third-party websites; their privacy practices are their own. We may update this policy from time to time, and the effective date above reflects the latest revision.

Contact us

Questions about this policy or your information:

Standby Capital
8 The Green, Suite B, Dover, DE 19901
info@standbycapital.com
servicing@standbycapital.com (account servicing and payment questions)
(646) 561-8586

If you have a signed agreement with us, notices under that agreement must be sent to the address specified in your agreement.