Last Updated: March 5, 2026
Welcome to T&MCOY LLC. By accessing our website or using our services, you agree to be bound by these Terms and Conditions. Please read them carefully.
By using our website, submitting an inquiry, or applying for financing, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please do not use our services.
T&MCOY LLC provides direct business lending services, including but not limited to:
All lending products are subject to credit approval and underwriting requirements. Terms, rates, and availability may vary based on individual circumstances.
Submitting a loan inquiry or application does not guarantee approval or funding. T&MCOY LLC reserves the right to approve or deny any application at our sole discretion based on creditworthiness, business viability, and other factors.
You agree to provide accurate, complete, and truthful information in all communications and applications. Providing false or misleading information may result in denial of services and potential legal action.
All fees, interest rates, and costs associated with our lending products will be clearly disclosed before you accept any loan offer. By accepting a loan, you agree to the specified terms, including repayment schedule and applicable fees.
We do not charge application fees. However, certain loan products may include origination fees, closing costs, or other charges, which will be disclosed in writing.
If you opt in to receive SMS text messages from T&MCOY LLC, you consent to receive text messages sent using an automatic telephone dialing system (ATDS). Messages may include account notifications, loan updates, promotional offers, and service-related information.
Message frequency may vary depending on your account activity and preferences. Message and data rates may apply based on your mobile carrier's plan.
Opt-Out: You may opt out of text messages at any time by replying STOP to any message. You will receive a confirmation that you have been unsubscribed. You may also contact us at thomas@tm-coy.com to opt out.
Help: For help or more information, reply HELP or contact thomas@tm-coy.com.
Consent is NOT a condition of purchase. You do not need to consent to text messages to obtain our products or services. You may conduct business with us through other communication channels.
Carrier Support: Compatible with most major U.S. carriers. Message delivery is subject to carrier network availability.
You agree to use our website only for lawful purposes. You may not:
All content on this website, including text, graphics, logos, images, and software, is the property of T&MCOY LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites. Linking to a third-party site does not constitute endorsement.
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, T&MCOY LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.
You agree to indemnify and hold harmless T&MCOY LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.
These Terms and Conditions are governed by the laws of the State of Indiana, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Indiana.
We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
If you have questions about these Terms and Conditions, please contact us:
T&MCOY LLC
4101 Norwich Place
Evansville, IN 47725
Email: thomas@tm-coy.com