Last Updated: May 18, 2026
Welcome to Nickel NY Inc. By accessing or using our website and services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully.
By accessing our website or submitting a loan application, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our services.
Our services are intended for businesses and business owners who are at least 18 years of age and legally authorized to enter into binding contracts. By using our services, you represent and warrant that you meet these eligibility requirements.
Nickel NY Inc is a direct lender providing business financing solutions, including but not limited to:
All loan applications are subject to credit approval and underwriting review. We reserve the right to decline any application at our sole discretion.
When you submit a loan application, you agree to provide accurate, complete, and current information. Providing false or misleading information may result in denial of your application or termination of your loan.
By submitting an application, you authorize Nickel NY Inc to obtain credit reports and other financial information from third-party credit bureaus and financial institutions. This may impact your credit score.
Submission of a loan application does not guarantee approval. All loans are subject to underwriting criteria, including but not limited to credit history, business financials, collateral value, and other risk factors.
If you opt in to receive SMS/MMS communications from Nickel NY Inc:
Our SMS service is available on major U.S. carriers, including AT&T, Verizon, T-Mobile, Sprint, and others. Delivery is not guaranteed, and we are not responsible for delays or failures due to carrier issues.
Each approved loan will be governed by a separate loan agreement that will specify:
You are responsible for reviewing and understanding all terms of your loan agreement before signing. If you have questions, contact us at isaac@thenickelny.com.
Depending on your loan type, fees may include:
All fees will be clearly disclosed in your loan agreement. We do not charge hidden fees.
You agree to make all payments according to the schedule outlined in your loan agreement. Payments may be made via ACH, wire transfer, check, or other methods specified in your agreement.
If you fail to make a payment on time, late fees may apply as specified in your loan agreement. Continued late payments may result in default.
If you default on your loan, we may take actions including but not limited to:
All content on our website, including text, graphics, logos, and software, is the property of Nickel NY Inc 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.
To the maximum extent permitted by law, Nickel NY Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if we have been advised of the possibility of such damages.
You agree to indemnify and hold harmless Nickel NY Inc, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from your use of our services or violation of these Terms.
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in Brooklyn, New York, in accordance with the rules of the American Arbitration Association.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.
We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
If you have questions or concerns about these Terms, please contact us:
Nickel NY Inc
925 1 ct
Brooklyn, NY 11223
Email: isaac@thenickelny.com