Last updated: July 6, 2026
These Terms & Conditions ("Terms") govern your access to and use of the website and services provided by Ap Advisors ("Ap Advisors," "we," "us," or "our"). By accessing our website or engaging our services, you agree to be bound by these Terms. If you do not agree, please discontinue use of our website and services.
Ap Advisors is a Napa Valley-based direct lender providing business funding solutions to qualified businesses across Northern California. Our website and its content are provided for informational purposes and do not constitute a commitment to lend, an offer of credit, or financial advice. All funding is subject to application, underwriting, and approval.
You must be at least 18 years of age and authorized to act on behalf of the business you represent in order to use our services. By using our services, you represent and warrant that the information you provide is accurate, current, and complete.
Submitting an inquiry or application does not guarantee approval or funding. All funding decisions are made at the sole discretion of Ap Advisors and are subject to our underwriting criteria, applicable law, and the accuracy of information provided. Specific rates, terms, and conditions will be set out in a separate written agreement should funding be approved.
All content on this website — including text, graphics, logos, and design elements — is the property of Ap Advisors or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
By providing your mobile phone number and opting in, you agree to receive recurring marketing and promotional SMS/MMS messages from Ap Advisors, sent using an automated telephone dialing system (ATDS). Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply.
You may opt out at any time. Reply STOP to opt out of further messages, or Reply HELP for assistance. After you reply STOP, you may receive a single confirmation message. Consent is NOT a condition of purchase or of receiving any of our products or services.
Carriers are not liable for delayed or undelivered messages. Supported carriers may change without notice. For questions about your SMS plan or data charges, contact your wireless provider.
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of harmful components. Any reliance you place on the information provided is at your own risk.
To the fullest extent permitted by law, Ap Advisors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if advised of the possibility of such damages.
You agree to indemnify and hold harmless Ap Advisors and its officers, employees, and agents from any claims, liabilities, damages, or expenses arising out of your use of our services or your violation of these Terms.
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Napa County, California.
We may revise these Terms from time to time. Updated Terms will be posted on this page with a revised effective date. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.
If you have questions about these Terms, please contact us:
Ap Advisors
3149 Vichy Avenue, Napa, CA 94558
Email: esteban@theapadvisors.com