Sign in
Apply Now

Terms of Service

Last Updated: June 9, 2026

These Terms of Service (“Terms”) govern your access to and use of the Navon Finance website, borrower portal, broker portal, applications, software, and related services (collectively, the “Services”) provided by Navon Finance LLC (“Navon,” “Company,” “we,” “us,” or “our”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not access or use the Services.

1. ELIGIBILITY

The Services are intended solely for businesses seeking commercial financing and for authorized representatives of such businesses.

By using the Services, you represent and warrant that:

  1. you are at least eighteen (18) years of age;
  2. you have the authority to act on behalf of the business entity submitting information through the Services;
  3. any information you provide is accurate, complete, and current; and
  4. you will use the Services solely for lawful business purposes.

The Services are not intended for consumer lending purposes.

2. BUSINESS PURPOSE LOANS ONLY

Navon provides access to commercial lending products intended exclusively for business purposes. Loans offered through the Services are intended only for businesses, including corporations, limited liability companies, partnerships, and other commercial entities. No financing offered through the Services is intended for personal, family, or household purposes. Owner-occupied primary residences are not eligible collateral under Navon’s lending programs. You agree that any financing sought through the Services is for a legitimate business purpose and not for consumer purposes.

3. NO GUARANTEE OF FINANCING

Information presented through the Services is provided for informational purposes only and does not constitute an offer to lend, a commitment to lend, or a guarantee of financing. Any financing opportunity, rate, term, approval, prequalification, or estimate displayed through the Services is subject to underwriting review, verification, due diligence, property review, title review, compliance review, and final approval. Submission of an application does not create any obligation on the part of Navon to provide financing. Navon reserves the right to approve, decline, suspend, withdraw, or modify any financing opportunity at any time.

4. ACCOUNT REGISTRATION

Certain portions of the Services may require registration of an account. You agree to provide accurate registration information and to maintain the security of your account credentials. You are responsible for all activities occurring under your account. You must immediately notify Navon of any unauthorized use of your account or any security breach.

5. INFORMATION PROVIDED BY YOU

You represent and warrant that all information submitted through the Services is truthful, accurate, current, and complete.

You agree not to:

  1. submit false or misleading information;
  2. impersonate any person or entity;
  3. submit fraudulent documentation;
  4. misrepresent ownership of property or collateral; or
  5. interfere with the operation of the Services.

Navon may rely upon information submitted through the Services in connection with underwriting, servicing, compliance, fraud prevention, and related business activities.

6. VERIFICATION OF INFORMATION

You authorize Navon and its service providers to verify information provided through the Services. Such verification may include review of business records, public records, property information, financial information, identity verification information, and other information relevant to evaluating financing requests.

Additional authorizations required under applicable law, including authorizations related to consumer reports or credit reports, may be requested separately.

7. ARTIFICIAL INTELLIGENCE AND AUTOMATED TOOLS

Navon utilizes automated technologies, including artificial intelligence systems, to assist with processing information submitted through the Services.

These systems may assist with:

  1. document review;
  2. data extraction;
  3. risk assessment support;
  4. underwriting support;
  5. document preparation; and
  6. customer assistance functions.

Automated systems assist Navon’s personnel but do not independently approve or deny financing requests. Final credit decisions are made by qualified human personnel. Navon makes no representations regarding the accuracy, completeness, or suitability of any information generated by automated systems.

8. ELECTRONIC COMMUNICATIONS

By using the Services, you consent to receive communications electronically, including through email, text message, portal notifications, and other electronic means. Electronic communications may include disclosures, notices, updates, requests for information, servicing communications, and other communications related to the Services. You are responsible for maintaining current contact information.

9. TEXT MESSAGE COMMUNICATIONS

If you provide a mobile telephone number, you consent to receiving text messages related to your use of the Services. Message and data rates may apply. You may opt out of marketing text messages by following the instructions included in such communications. Consent to receive text messages is not a condition of obtaining financing.

10. INTELLECTUAL PROPERTY

The Services, including all software, source code, object code, algorithms, artificial intelligence systems, machine learning models, workflows, underwriting methodologies, scoring models, risk assessment frameworks, databases, compilations, designs, interfaces, graphics, text, content, reports, documentation, trademarks, service marks, trade names, logos, trade secrets, proprietary information, and all other technology and intellectual property embodied in or made available through the Services (collectively, the “Navon IP”), are and shall remain the exclusive property of Navon and its licensors and are protected by applicable intellectual property, trade secret, and proprietary rights laws.

Except for the limited right to access and use the Services in accordance with these Terms, no license, ownership interest, or other right in or to any Navon IP is granted, assigned, or transferred to you, whether by implication, estoppel, or otherwise. All rights not expressly granted herein are reserved by Navon. You shall not, and shall not permit any third party to, copy, reproduce, modify, adapt, translate, distribute, publish, display, transmit, sell, license, lease, sublicense, assign, transfer, create derivative works from, reverse engineer, decompile, disassemble, extract, scrape, data mine, frame, mirror, circumvent security protections, attempt to discover underlying source code, models, algorithms, underwriting criteria, scoring methodologies, or other proprietary logic, or otherwise exploit any portion of the Services or the Navon IP without Navon’s prior written consent. Any unauthorized use of the Services or the Navon IP constitutes a material breach of these Terms and may result in immediate suspension or termination of access, in addition to any other legal or equitable remedies available to Navon. Navon shall be entitled to seek injunctive relief, specific performance, and all other available remedies without the necessity of posting bond or proving actual damages.

11. USER CONTENT

You retain ownership of documents, information, and materials submitted through the Services. You grant Navon a non-exclusive, worldwide, royalty-free license to use, store, reproduce, analyze, transmit, and process such materials as necessary to operate the Services, evaluate financing opportunities, service loans, comply with legal obligations, and improve platform functionality.

12. THIRD-PARTY SERVICES

The Services may utilize or integrate with third-party providers, including identity verification providers, credit reporting agencies, property valuation providers, cloud hosting providers, analytics providers, payment processors, title companies, insurance providers, and other service providers. Navon does not control and is not responsible for third-party services, products, or websites. Your use of third-party services may be subject to separate terms and privacy policies.

13. PROHIBITED USES

You agree not to:

  1. violate any law or regulation;
  2. engage in fraud or deceptive practices;
  3. upload malicious code;
  4. attempt to gain unauthorized access to the Services;
  5. interfere with system security;
  6. scrape, harvest, or extract data from the Services;
  7. reverse engineer or attempt to discover source code; or
  8. use the Services in any manner that may impair operation of the platform.

14. DISCLAIMER OF WARRANTIES

THE SERVICES, INCLUDING ALL CONTENT, INFORMATION, SOFTWARE, TECHNOLOGY, FUNCTIONALITY, APPLICATIONS, COMMUNICATIONS, TOOLS, AND MATERIALS MADE AVAILABLE THROUGH THE SERVICES, ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NAVON, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, AND ASSIGNS EXPRESSLY DISCLAIM ALL REPRESENTATIONS, WARRANTIES, CONDITIONS, GUARANTEES, AND COVENANTS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, SYSTEM INTEGRATION, DATA ACCURACY, DATA SECURITY, QUALITY, PERFORMANCE, RELIABILITY, COMPLETENESS, OR RESULTS OBTAINED FROM USE OF THE SERVICES.

WITHOUT LIMITING THE FOREGOING, NAVON DOES NOT REPRESENT OR WARRANT THAT: (A) THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (B) THE SERVICES WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; (C) ANY DEFECTS, ERRORS, OMISSIONS, OR VULNERABILITIES WILL BE CORRECTED; (D) THE SERVICES OR ANY SERVERS, NETWORKS, OR SYSTEMS USED TO PROVIDE THE SERVICES WILL BE FREE OF VIRUSES, MALWARE, HARMFUL CODE, OR OTHER HARMFUL COMPONENTS; (E) ANY INFORMATION, ANALYSIS, PROPERTY DATA, CREDIT INFORMATION, UNDERWRITING INFORMATION, RISK ASSESSMENTS, AI-GENERATED OUTPUTS, OR OTHER CONTENT PROVIDED THROUGH THE SERVICES WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR FIT FOR ANY PARTICULAR PURPOSE; OR (F) ANY APPLICATION FOR FINANCING WILL RESULT IN APPROVAL, FUNDING, OR ANY PARTICULAR LOAN TERMS.

YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THAT NAVON SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY DECISIONS MADE, ACTIONS TAKEN, OR LOSSES INCURRED IN RELIANCE ON THE SERVICES OR ANY INFORMATION PROVIDED THROUGH THE SERVICES.

NO ORAL OR WRITTEN INFORMATION, STATEMENT, ADVICE, COURSE OF DEALING, COURSE OF PERFORMANCE, OR COMMUNICATION PROVIDED BY NAVON OR ANY OF ITS REPRESENTATIVES SHALL CREATE ANY WARRANTY NOT EXPRESSLY SET FORTH IN THESE TERMS.

15. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NAVON, ITS AFFILIATES, PARENTS, SUBSIDIARIES, INVESTORS, MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, SERVICE PROVIDERS, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, RELIANCE, COVER, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF USE, COST OF SUBSTITUTE SERVICES, OR DIMINUTION IN VALUE, ARISING OUT OF OR RELATING TO THE SERVICES, ANY APPLICATION FOR FINANCING, ANY CREDIT DECISION, ANY DELAY IN REVIEW OR FUNDING, ANY COMMUNICATIONS BETWEEN THE PARTIES, OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF NAVON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH DAMAGES WERE FORESEEABLE.

WITHOUT LIMITING THE FOREGOING, NAVON SHALL HAVE NO LIABILITY FOR ANY DECISION TO APPROVE, CONDITIONALLY APPROVE, DENY, DELAY, WITHDRAW, MODIFY, OR TERMINATE ANY APPLICATION, FINANCING REQUEST, LOAN, ACCOUNT, OR RELATIONSHIP, OR FOR ANY RELIANCE BY YOU ON PRELIMINARY TERMS, ESTIMATES, INDICATIVE OFFERS, PROPERTY VALUATIONS, CREDIT INFORMATION, AI-GENERATED OUTPUTS, UNDERWRITING ANALYSES, OR OTHER INFORMATION PROVIDED THROUGH THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NAVON’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS (US $100.00); OR (B) THE TOTAL AMOUNT PAID BY YOU DIRECTLY TO NAVON FOR ACCESS TO THE SERVICES DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

THE LIMITATIONS OF LIABILITY SET FORTH IN THESE TERMS ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES AND SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, STATUTE, EQUITY, OR OTHERWISE, AND REGARDLESS OF WHETHER ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

16. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Navon and its affiliates, officers, directors, employees, contractors, agents, successors, and assigns from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising from:

  1. your use of the Services;
  2. your violation of these Terms;
  3. information submitted by you;
  4. your violation of any law or regulation; or
  5. your infringement of any third-party rights.

17. SUSPENSION AND TERMINATION

Navon may suspend, restrict, or terminate access to the Services at any time, with or without notice, if Navon believes a user has violated these Terms, engaged in fraudulent conduct, created risk for the Company, or otherwise acted improperly. Termination shall not affect any rights or obligations accrued prior to termination.

18. PRIVACY

Your use of the Services is also governed by Navon’s Privacy Notice, which is incorporated into these Terms by reference.

19. MODIFICATIONS TO THE SERVICES

Navon reserves the right to modify, suspend, discontinue, or update any portion of the Services at any time without liability.

20. CHANGES TO THESE TERMS

Navon reserves the right to modify, amend, update, or replace these Terms at any time in its sole discretion. Updated Terms will be posted on the Services and will become effective on the date identified in the revised version unless otherwise stated. Navon may also provide notice of material changes through email, account notifications, or other electronic communications.

By continuing to access or use the Services after the effective date of any revised Terms, you acknowledge and agree to the revised Terms. If you do not agree to any revised Terms, you must immediately discontinue use of the Services.

21. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles.

22. DISPUTE RESOLUTION

Any dispute, claim, controversy, or cause of action arising out of or relating to these Terms, the Services, any application for financing, any communications between the parties, or the relationship between the parties, whether sounding in contract, tort, statute, fraud, misrepresentation, or any other legal theory, shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and no other forum. Each party irrevocably submits to the exclusive jurisdiction of such courts and irrevocably waives any objection based on lack of personal jurisdiction, improper venue, inconvenient forum, forum non conveniens, or any similar doctrine. Each party further agrees not to commence, maintain, or participate in any action arising out of or relating to these Terms in any jurisdiction other than the courts specified herein.

TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICES, OR THE RELATIONSHIP OF THE PARTIES.

The prevailing party in any action or proceeding arising out of or relating to these Terms shall be entitled to recover its reasonable attorneys’ fees, costs, expenses, and disbursements incurred in connection therewith, in addition to any other relief awarded by the court.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS AND DISPUTES ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE BROUGHT SOLELY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, MASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING INVOLVING CLAIMS OF MORE THAN ONE PERSON OR ENTITY. THE PARTIES EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN OR RECOVER RELIEF THROUGH ANY SUCH ACTION.

23. SEVERABILITY

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

24. ENTIRE AGREEMENT

These Terms, together with the Privacy Notice and any additional agreements incorporated by reference, constitute the entire agreement between the parties regarding the Services.

25. CONTACT INFORMATION

Questions regarding these Terms may be directed to:

Navon Finance LLC
2104 NE 123rd St., Unit 215
North Miami, FL 33181
Email: info@navonfinance.com