By using our Website, you consent to the terms outlined in this Privacy Policy.
Last Updated: 04.20.2026
1.1. Information You Provide Directly When you visit our Website, submit a financing application, or contact us, we may collect:
• Identity information: Legal name, date of birth, Social Security number or EIN, government-issued ID number, driver's license number, and passport number
• Business information: Business legal name, DBA, address, state of formation, years in operation, industry/SIC code, and ownership structure
• Financial information: Bank account numbers, bank statements, monthly and annual revenue figures, existing debt obligations, and credit card processing volume
• Contact information: Mailing address, email address, telephone and mobile phone numbers
• Application data: Voided checks, tax returns, accounts receivable schedules, and any other documents submitted as part of a financing application
• Guarantor information: Personal financial information of business owners and personal guarantors, including credit history and personal income
1.2. Information Collected Automatically When you visit our Website, we automatically collect certain technical information, including:
• Internet Protocol (IP) address and approximate geolocation
• Browser type and version, operating system, and device identifiers
• Pages visited, time spent on pages, referring/exit URLs, and clickstream data
• Date and time of Website access
This information is used for analytics, fraud prevention, and to improve our Website and services.
1.3. Audio and Communication Records
All telephone interactions with RTMI Capital staff — including calls with borrowers, brokers, and ISO partners— may be recorded for quality assurance, monitoring, compliance, and training purposes.
Except where legally required, we do not share these recordings with unaffiliated third parties.
1.4. Information from Third Parties We may collect information about you from third-party sources, including:
• Brokers, ISO partners, and referral sources who submit applications on your behalf
• Consumer and commercial credit bureaus (including Experian and others) for credit underwriting purposes
• Technologies and bank data aggregators, used to verify bank account information and cash flow data
• Identity / background verification services
• Industry default registries
• Public records databases, UCC filing systems, and court record databases
• Commercial data providers
RTMI Capital uses collected information for the following purposes:
• Underwriting and credit decisions: Evaluating applications for MCAs, business loans, lines of credit, and invoice factoring products
• Identity verification and fraud prevention: Confirming the identity of applicants, authorized signers, and guarantors; detecting and preventing fraudulent activity
• Application processing and funding: Structuring, documenting, and funding approved financing arrangements
• ACH and payment processing: Setting up and executing automatic payment debits from the business's designated bank account
• Servicing and collections: Managing active financing agreements, collecting remittances, and addressing defaults or delinquencies
• Legal and compliance obligations: Complying with applicable federal and state laws, regulations, and court orders
• Broker and ISO operations: Communicating with and compensating referring brokers and ISO partners
• Marketing communications: Sending relevant product and service information to applicants and clients who have not opted out
• Website analytics and improvement: Understanding how our Website is used and improving user experience
• Business operations: Internal reporting, portfolio analysis, and strategic planning
RTMI Capital does not sell your personal information. We may share your information with the following categories of third parties, strictly as needed to operate our business and fulfill our obligations:
3.1. Service Providers We share information with third-party vendors who provide services on our behalf, including:
• Credit bureaus and reporting agencies (e.g., Experian) for underwriting purposes
• Bank data aggregators for account verification
• Background check and identity verification providers
• Payment processors and ACH networks
• Default registry services
• CRM and technology platforms used in our operations
• Legal counsel, accountants, and auditors
3.2. Broker and ISO Partners If your application was submitted through a broker or ISO partner, we may share status updates, approval decisions, and necessary deal information with that referring party in connection with their compensation and the facilitation of your financing arrangement.
3.3. Legal and Regulatory Disclosures We may disclose your information as required or permitted by law, including:
• In response to valid legal process such as subpoenas, court orders, or search warrants
• To comply with applicable state and federal lending regulations
• To regulators, law enforcement, or government agencies as required
• To enforce our rights under financing agreements, guaranties, and UCC filings
• In connection with fraud investigations or to protect against illegal activity
3.4. Business Transfers In the event of a merger, acquisition, sale of all or a portion of our assets, or business reorganization, your information may be transferred to the acquiring or successor entity. We will provide notice of any such transfer where required by law.
3.5. Aggregate and De-Identified Data We may share aggregated, de-identified data that does not identify any individual borrower or applicant with investors, institutional partners, or for research and reporting purposes.
Our Website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and support our marketing efforts. Cookies are small data files stored on your device when you visit a website. Types of cookies we may use:
• Strictly necessary cookies: Required for the Website to function properly
• Analytics cookies: Help us understand how visitors interact with our Website (e.g., Google Analytics)
• Marketing and advertising cookies: Used to deliver relevant advertising and track marketing campaign performance (including Meta Pixel)
You may manage cookie preferences through your browser settings. Disabling certain cookies may limit your ability to use some features of our Website.
RTMI Capital employs industry-standard administrative, technical, and physical safeguards to protect your non-public personal information from unauthorized access, use, disclosure, alteration, or destruction.
These include:
• Encrypted transmission of data via SSL/TLS protocols
• Secure storage of application data and financial records
• Role-based access controls limiting data access to authorized personnel
• Vendor due diligence requirements for third-party service providers
No system can guarantee complete security. You are responsible for taking appropriate steps to protect any information you transmit to us, including safeguarding account credentials. Since the internet is a public medium, we cannot guarantee the absolute security of data in transit.
Depending on your location, you may have rights to: Access, correct, or delete your personal data. Opt out of marketing communications.Restrict data processing under certain conditions.Lodge complaints with regulatory authorities. To exercise your rights, please contact us at info@rtmicapital.com.
RTMI Capital's products and services are intended for business owners and their authorized representatives who are adults. We do not knowingly collect personal information from individuals under the age of 18. In compliance with the Children's Online Privacy Protection Act (COPPA), if we become aware that we have inadvertently collected information from a minor, we will promptly delete it. For more information about COPPA, visit www.ftc.gov.
By providing your phone number in connection with an application or inquiry, you authorize RTMI Capital to contact you by telephone and text message for purposes related to your financing request or account. You may opt out of marketing communications at any time by:
• Emailing us at info@rtmicapital.com with "Opt-Out" in the subject line
• Clicking the unsubscribe link in any marketing email
Please note that opting out of marketing communications will not affect transactional communications related to an active financing agreement, including payment notices, default notices, or account updates.
This section supplements the rest of our Privacy Notice and applies only to residents of California, as defined under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA/CPRA"). Note: RTMI Capital's products are primarily extended to business entities. However, certain CCPA/CPRA protections may apply to personal information collected from California residents who serve as business owners, principals, or personal guarantors.
8.1. Categories of Personal Information Collected In addition to the information described in Section 1 above, RTMI Capital may collect the following CCPA/CPRA categories:
• Identifiers: Name, SSN, EIN, driver's license number, email, phone, IP address
• Personal information (CA Civil Code §1798.80): Financial account numbers, employment history
• Commercial information: Business revenue, transaction history, financing records
• Internet/network activity: Website browsing behavior, clickstream data
• Geolocation data: IP-based location for fraud prevention
• Audio/visual information: Recorded phone calls
• Professional/employment information: Business ownership history, guarantor employment
• Inferences: Credit risk profiles, fraud indicators
8.2. Your Rights Under CCPA/CPRA California residents may have the right to:
• Know: Request disclosure of the categories and specific pieces of personal information we have collected about you over the past 12 months
• Delete: Request deletion of your personal information, subject to certain exceptions
• Correct: Request correction of inaccurate personal information
• Opt Out of Sale/Sharing: RTMI Capital does not sell or share personal information for cross-context behavioral advertising
• Non-Discrimination: We will not discriminate against you for exercising your rights under CCPA/CPRA
8.3. How to Submit a Request To exercise your CCPA/CPRA rights, please contact us at:
• Email: info@rtmicapital.com (Subject line: "California Privacy Request")
• Mail: RTMI Capital, 1111 Brickell Ave, Floor 11 Suite 133 Miami, FL 33131
You may designate an authorized agent to submit a request on your behalf. We will verify your identity before processing any request. We will respond within 45 days of receipt; we may extend this period by an additional 45 days (90 days total) where reasonably necessary with prior notice.
8.4. Exceptions We may decline to delete personal information where retention is necessary to: complete a financing transaction; detect fraud or security incidents; comply with legal obligations (including federal anti-money laundering and Bank Secrecy Act requirements); or for other lawful purposes described in the CCPA/CPRA.
9.1. New York RTMI Capital complies with New York's commercial financing disclosure requirements (NY UCC Article 9 and Commercial Finance Disclosure Law). New York residents who enter into commercial financing agreements with RTMI Capital will receive applicable statutory disclosures at the time of their financing.
9.2. Virginia Virginia residents may have rights under the Virginia Consumer Data Protection Act (VCDPA), including rights to access, correct, delete, and opt out of certain processing of personal data. To submit a request, contact us at info@rtmicapital.com.
9.3. Texas RTMI Capital is registered with or subject to oversight by the Texas Office of Consumer Credit Commissioner (OCCC) in connection with applicable lending activities. Texas residents may contact the OCCC at www.occc.texas.gov with any complaints or inquiries.
9.4. Florida RTMI Capital's principal place of business is Miami, Florida. We comply with applicable Florida privacy and consumer protection laws. Florida residents with questions about their personal information may contact us at info@rtmicapital.com.
As a financial services provider, RTMI Capital is subject to the privacy requirements of the Gramm-Leach-Bliley Act (GLBA) with respect to non-public personal information (NPPI) of individual consumers who apply for or receive financing in a personal capacity or as a personal guarantor. We limit the collection, use, and disclosure of NPPI to what is reasonably necessary to provide our financial products and services. We do not disclose NPPI to non-affiliated third parties except as permitted by applicable law (e.g., processing transactions, complying with legal requirements, or with your authorization). Annual privacy notices are available upon request to qualifying individuals. To request a copy, contact info@rtmicapital.com.
In connection with credit decisions, RTMI Capital and its principals may obtain consumer and commercial credit reports from credit reporting agencies, including Experian, for use in evaluating financing applications. By submitting a financing application, applicants and guarantors authorize RTMI Capital to obtain such reports.
If we take an adverse action based in whole or in part on information in a consumer credit report, we will provide the required adverse action notice under the FCRA, including the name and contact information of the reporting agency used.
We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Notice, comply with applicable legal and regulatory requirements, resolve disputes, and enforce our agreements. Retention periods may vary depending on the type of information and applicable law, but generally include:
• Financing applications and agreements: Minimum 7 years from the date of last activity
• Identity verification records: As required under applicable anti-money laundering laws
• Credit reports and underwriting data: As permitted by the FCRA and applicable state law
• Website analytics data: Up to 24 months
Our Website may contain links to third-party websites, including partner portals, payment processors, and industry resources. RTMI Capital is not responsible for the privacy practices or content of these external websites. We encourage you to review the privacy policies of any third-party sites you visit.
RTMI Capital reserves the right to update this Privacy Notice at any time. Material changes will be posted on this page with a revised "Last Revised" date at the top of this Notice. Your continued use of our Website or services following any update constitutes your acceptance of the revised Notice. We encourage you to review this page periodically. If we make material changes that affect how we handle personal information previously collected from you, we will provide notice by email (where we have your contact information) or by a prominent notice on our Website.
For questions, concerns, or requests related to this Privacy Notice or your personal information, please contact us: RTMI Capital, Inc.
1111 Brickell Ave, Floor 11 Suite 133, Miami, FL 33131
Email: info@rtmicapital.com
Website: www.rtmicapital.com
Privacy-specific requests may be directed to: info@rtmicapital.com with the subject line "Privacy Request."
By using our Website, you consent to the terms outlined in this Privacy Policy.
Last Updated: 04.20.2026 RTMI CAPITAL ("Company," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website rtmicapital.com ("Website"). Please read this policy carefully. If you do not agree with the terms, please do not access the Website.
