Effective Date: March 20, 2026
Welcome to CJ3 PROPERTIES, LLC ("we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By using this website or submitting an application for financing, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, you must discontinue use of our website and services immediately.
2. Services Provided
CJ3 PROPERTIES, LLC provides direct business lending services including, but not limited to, working capital loans, commercial real estate financing, equipment financing, revenue-based financing, business expansion funding, and bridge loans. All financing is subject to application approval, creditworthiness, and compliance with our underwriting standards.
3. Application Process
When you submit a loan application or inquiry through our website or other channels:
- You represent that all information provided is true, accurate, and complete.
- You authorize us to verify the information and conduct credit checks as necessary.
- You understand that submission of an application does not guarantee approval or funding.
- We reserve the right to request additional documentation or information at any time during the application process.
4. Loan Terms and Agreements
All loans are subject to individual loan agreements that specify the amount, interest rate, repayment schedule, fees, and other terms. By accepting a loan offer, you agree to the terms outlined in the specific loan agreement. These Terms & Conditions are supplementary and do not replace the individual loan agreement.
5. Fees and Costs
We may charge various fees in connection with our services, including but not limited to application fees, origination fees, late payment fees, and prepayment penalties. All applicable fees will be disclosed in your loan agreement or during the application process.
6. Repayment Obligations
You are responsible for making timely payments according to the repayment schedule outlined in your loan agreement. Failure to make payments on time may result in:
- Late fees and penalties
- Negative impact on your credit score
- Collection actions, including legal proceedings
- Acceleration of the loan (full balance due immediately)
7. SMS & Text Message Terms & Conditions
If you opt in to receive text messages from CJ3 PROPERTIES, LLC, the following terms apply:
Consent and Enrollment
By providing your mobile phone number and opting in to receive SMS messages, you consent to receive recurring marketing and promotional SMS/MMS messages from CJ3 PROPERTIES, LLC using an automated telephone dialing system (ATDS). Messages may include offers, updates, and information about our financial products and services.
Message Frequency
Message frequency varies. You may receive up to 4 messages per month. The number of messages may increase during promotional periods or based on your account activity.
Message and Data Rates
Message and data rates may apply. Standard messaging rates from your mobile carrier will apply to each message sent and received. Please contact your mobile carrier for details about your specific plan.
Opt-Out Instructions
You may opt out of receiving text messages at any time by replying STOP to any message. Once you send "STOP," you will receive a confirmation message, and no further messages will be sent unless you re-opt-in.
Help and Support
For help or questions about text messages, reply HELP to any message or contact us at joshua@cj3properties.com.
Consent Not a Condition of Purchase
Your consent to receive text messages is NOT a condition of purchase or use of our services. You may apply for financing and use our services without subscribing to text message communications.
Carrier Liability
We are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your mobile carrier and compatibility with your device.
8. Use of Website
You agree to use our website only for lawful purposes and in accordance with these Terms & Conditions. You may not:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to our systems or networks
- Transmit viruses, malware, or other harmful code
- Engage in activities that interfere with or disrupt our services
- Scrape, copy, or reproduce content without permission
9. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of CJ3 PROPERTIES, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
10. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that:
- The website will be error-free, secure, or uninterrupted
- Information provided on the website is accurate or complete
- Defects or errors will be corrected
11. Limitation of Liability
To the fullest extent permitted by law, CJ3 PROPERTIES, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.
12. Indemnification
You agree to indemnify, defend, and hold harmless CJ3 PROPERTIES, LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of our website or services or your violation of these Terms & Conditions.
13. Governing Law and Jurisdiction
These Terms & Conditions are governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law principles. Any disputes arising from these terms or your use of our services shall be resolved in the state or federal courts located in Greenville County, South Carolina.
14. Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our website and services after changes are made constitutes acceptance of the revised terms.
15. Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
16. Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any individual loan agreements, constitute the entire agreement between you and CJ3 PROPERTIES, LLC regarding your use of our website and services.
17. Contact Us
If you have questions or concerns about these Terms & Conditions, please contact us:
CJ3 PROPERTIES, LLC
406 Old Batson Rd
Taylors, SC 29687
Email: joshua@cj3properties.com