Last Updated: February 11, 2026
By accessing or using the website located at thejsilva.com (the "Website") or any services provided by JSilva LLC ("The J Silva," "we," "us," or "our"), you agree to be bound by these Terms of Service. JSilva LLC is a direct lender and financial services company based in New York City, New York. If you do not agree to these terms, do not use our Website or services.
JSilva LLC is a direct lender providing business funding solutions, including but not limited to working capital, revenue-based financing, equipment financing, business expansion loans, and lines of credit. All lending decisions are made in-house by JSilva LLC. We are a financial services company and not a broker or marketplace.
All products and services are subject to credit approval. Submitting an application does not guarantee funding. Terms, rates, and conditions vary based on creditworthiness, business performance, and other factors determined by JSilva LLC.
To use our services, you must:
When you submit a funding application through our Website, you represent that all information provided is accurate, complete, and truthful. Providing false or misleading information may result in denial of your application and may constitute fraud.
Providing your phone number on the application is optional and is not a condition of purchase of any product or service. You are not required to provide a phone number to submit an application, receive a funding decision, or obtain funding from JSilva LLC.
IMPORTANT — SMS/TEXT MESSAGE CONSENT AND ATDS DISCLOSURES:
5.1. Consent: By checking the SMS consent checkbox on our contact or application form, you provide your prior express written consent to receive SMS/text messages from JSilva LLC at the phone number you provided. This consent covers messages related to your application, account, services, and promotional communications.
5.2. Not a Condition of Purchase: Consent to receive SMS/text messages is not a condition of purchase of any product or service from JSilva LLC. You may apply for and receive funding without consenting to SMS messages. Your decision not to opt in to SMS messages will not affect your application in any way. Providing your phone number is not a condition of purchase.
5.3. Automatic Telephone Dialing System (ATDS): JSilva LLC acknowledges that certain SMS/text messages may be sent using an Automatic Telephone Dialing System (ATDS) or automated technology. We will only use an ATDS to send messages to individuals who have provided their prior express written consent by checking the SMS consent checkbox. JSilva LLC will never use an ATDS to contact individuals who have not opted in. If you have not checked the SMS consent checkbox, no messages will be sent to you via an ATDS or any other automated system.
5.4. Message Frequency: Message frequency varies. You may receive up to 10 messages per month depending on account activity.
5.5. Message & Data Rates: Standard message and data rates may apply. JSilva LLC is not responsible for any charges imposed by your mobile carrier.
5.6. Opt-Out: You may revoke your consent and opt out of receiving SMS/text messages at any time by replying STOP to any message received from JSilva LLC. Upon receipt of your STOP request, we will send a single confirmation message and cease all further SMS communications. Opting out of SMS will not affect your application or account status.
5.7. Help: For assistance with SMS messages, reply HELP to any message or email us at [email protected].
5.8. ATDS Compliance: JSilva LLC is committed to compliance with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state regulations regarding the use of an Automatic Telephone Dialing System (ATDS). We maintain records of all SMS consents. We do not purchase or use third-party lists for ATDS-based messaging. All ATDS-delivered messages are sent only to individuals who have provided prior express written consent through our Website.
5.9. Reaffirmation: To be clear, providing your phone number and/or consenting to receive SMS messages is not a condition of purchase of any product or service offered by JSilva LLC. You are under no obligation to provide a phone number or consent to text messages to use our Website, apply for funding, or receive any financial product.
All content on this Website, including text, graphics, logos, images, and software, is the property of JSilva LLC and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.
You agree not to:
The Website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. JSilva LLC does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, JSilva LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website or services, even if we have been advised of the possibility of such damages.
You agree to indemnify and hold harmless JSilva LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in New York County, New York.
JSilva LLC reserves the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes acceptance of the modified terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and JSilva LLC regarding your use of the Website and services.
For questions about these Terms of Service, contact us:
JSilva LLC
New York City, NY — Upper East Side
Email: [email protected]
Website: thejsilva.com
JSilva LLC is a direct lender and financial services company. We do not use an Automatic Telephone Dialing System (ATDS) to contact individuals without their prior express written consent. Consent to SMS is not a condition of purchase of any product or service.