PARTNER TERMS — Manufactor Finance PARTNER NETWORK

1. The relationship.

Manufactor Finance is a referral source. It publishes content, collects an inquiry with consent, qualifies it, and refers it to funding partners. Manufactor Finance sources and qualifies funding leads. Approved partners — direct funders and brokers — receive those leads under two tracks: Referral and Lead Purchase. You choose your track(s) at application. Every lead offer email states the track upfront — and for purchased leads, the exact price — before you commit. You always know what a lead costs before you touch it.

2. Track is set by state.

In most states, Manufactor Finance operates as an independent business financing referral service and refers inquiries to partners. In designated lead-sale states — currently California and Missouri — Manufactor Finance operates solely as a lead seller: leads are sold at a fixed upfront price, and Manufactor Finance performs no brokering, arranging, or negotiating there. The lead's business state controls the track, not preference.

3. Lead ownership and distribution.

Every lead and all data in it belongs to JayBen, LLC dba Manufactor Finance until assigned or sold. Assignment or purchase grants you the right to contact that lead, and nothing more.

Leads are non-exclusive by default. We may distribute or resell the same lead to more than one partner on either track, and more than one partner may hold or work the same opportunity at once. If the partners currently holding a lead go unresponsive, we may distribute or resell it to other partners.

On referred leads, the compensation in Section 5 is owed by whichever partner actually funds the deal. Working a lead another partner closes earns nothing. On purchased leads, each partner who buys pays the full stated price independently, and a purchase by another partner does not reduce or refund yours.

We may reassign or redistribute any referred lead at any time, for any reason, at our sole discretion.

4. Updates.

Status updates are requested by email and answered by push-button — one click, not a report. Answer every request. Two consecutive unanswered requests trigger a third carrying a red warning and a one-hour deadline; if no update lands within that hour, the lead may be immediately reassigned to a more responsive partner. Chronic non-response ends your access to future leads.

5. Referral compensation.

Manufactor Finance earns a referral fee equal to fifty percent (50%) of the partner's fee on each funded or activated referred account. That includes future renewals and additional fundings of any facility originated from the lead, at the same rate, for two (2) years from the date of assignment. The referral fee is owed by whichever partner funds the account.

6. Lead Purchase compensation.

Purchased leads are paid in full, upfront, before contact rights transfer. The stated price is the entire compensation: no revenue share, no renewal share, no upsell share applies to purchased leads. Sales are final; if a lead's contact data is materially invalid (disconnected number, dead inbox), report it within 48 hours for a replacement credit. Leads are individually priced; the price is on every offer.

7. Payment.

Referral fee payments are due within seven (7) days of each funding or fee event unless genuinely impossible — tell us before the deadline, not after. Obligations survive reassignment: if you fund a lead we sourced, even after it was reassigned, you owe the applicable compensation. Any payment issue stops your lead flow immediately.

8. Compliance.

You represent that you hold every license and registration required for your activities in every state you operate, and that all provider-side disclosures under applicable commercial financing disclosure laws are yours to make. On purchased leads, Manufactor Finance's role is lead generation only; every financing activity that follows is yours. You are solely responsible for every offer you make and for delivering any state-required disclosure at or before the time of a specific offer. Manufactor Finance does not present, relay, compare, or rank offers; you communicate every offer, rate, term, and disclosure directly to the business in writing.

8.1 Licensing representation. You represent and warrant that your company holds, and will keep in good standing, every license, registration, and bond required to receive, evaluate, and act on financing inquiries in each state you have selected as a state you serve; that you will stop accepting files from any state where that stops being true; and that you will notify JayBen, LLC dba Manufactor Finance in writing within 5 business days of any lapse, suspension, or regulatory action. JayBen, LLC dba Manufactor Finance relies on this representation in referring inquiries. It is a material term of these terms. A breach is a material breach of these terms and permits JayBen, LLC dba Manufactor Finance, at its sole discretion and without notice, to suspend or end this relationship, withdraw any pending files, and recover any losses the breach causes.

9. Consent, opt-outs, and do-not-contact.

9.1 Scope of consent. Every lead comes to you with the specific consents that lead gave us — to share the inquiry, to be contacted about it, and, where separately given, to receive marketing. You inherit those consents; you do not expand them. Contact the lead only about the funding request, only through the channels and the phone numbers or addresses the lead provided, and only within those consents. No marketing outside the request, no adding the lead to any other campaign or list, no skip-tracing or appending new contact points, and no resale or transfer except to a funding source evaluating this lead's request under the same consents. Do not use automated dialing, prerecorded, artificial, or AI-generated voice, or automated texting to reach a lead unless the lead's consent expressly covers it and you independently hold every consent the law requires of you. Contact only between 8 a.m. and 9 p.m. at the lead's local time.

9.2 Opt-outs propagate immediately. If a lead revokes consent, asks to stop, unsubscribes, replies STOP or any equivalent, or is marked do-not-contact on any channel — including a do-not-disturb setting we apply in our CRM — that channel closes for everyone holding the lead, whether the request reached us or reached you, and it is a revocation of your consent as to that lead on that channel regardless of how or to whom the lead expressed it. When we receive it, we notify you; you stop that channel immediately on receipt of our notice, and in no event later than 24 hours after it. When you receive it, you stop immediately and notify us within 24 hours so we can suppress the channel and notify every other partner holding the lead. A request to stop all contact closes every channel, including on a request that is mid-process. You will maintain automated processing of STOP and equivalent keywords on every texting channel you use and a company-specific do-not-call list, and you will add every opted-out lead to both.

9.3 Your compliance is yours. You are independently responsible for complying with the TCPA and FCC rules, state telemarketing and mini-TCPA laws, the Telemarketing Sales Rule and federal and state do-not-call requirements, CAN-SPAM, and state privacy laws in every communication you make, and for every person, vendor, or platform that contacts a lead on your behalf as if you made the contact yourself. A lead's consent to us does not substitute for any consent, registration, or disclosure the law requires of you. Fines, penalties, damages, and judgments arising from your communications are yours alone. You will defend, indemnify, and hold harmless JayBen, LLC dba Manufactor Finance, its owners, officers, employees, and affiliated brands against every claim, demand, regulatory inquiry, fine, penalty, judgment, settlement, and reasonable attorneys' fee arising from a communication you or anyone acting for you made after an opt-out, outside the consent scope, or in violation of law — whether brought against you or against us.

9.4 Privacy-law terms. Where a lead's information is sold or shared to you under state privacy law, you receive it for the limited purpose of evaluating and funding that lead's request. You will comply with the California Consumer Privacy Act and comparable state laws and provide at least the level of privacy protection they require. You will notify us within 24 hours if you can no longer meet these obligations. We may require written confirmation of compliance at any time and, on five business days' notice, may review your records of consents and opt-outs, and we may suspend distribution and require deletion of a lead's information to stop or remediate unauthorized use. When we forward a deletion or correction request, you honor it within ten business days unless the law requires you to retain the record, and you confirm completion to us in writing.

9.5 Records and certification. Keep records of every consent you rely on and every opt-out you receive or are notified of for at least five years, and produce them within five business days of our request. By accepting these terms, and again on each anniversary, you certify that you maintain a written telemarketing and do-not-call compliance program, process opt-outs automatically on every channel you use, are registered for A2P 10DLC on every number you text from, and have disclosed to us in writing any telemarketing, do-not-call, CAN-SPAM, or privacy enforcement action or lawsuit against you in the prior three years.

9.6 Consequences. Failing to honor an opt-out, contacting a lead outside its consents, or failing to notify us of an opt-out you received is a material breach. On a confirmed instance, we may take action including, but not limited to: pausing or suspending your lead distribution; reassigning affected leads; requiring written confirmation of the corrective steps you have taken; requiring deletion of a lead's information; or ending your access. Which action we take depends on the circumstances, including whether the contact exposed a lead to unlawful communication and whether it has happened before. We may ask you for an explanation and a description of your corrective steps before deciding, and we may make both a condition of resuming distribution. Suspension or removal does not reduce or excuse anything you owe on leads already provided — referral fees, renewals, upsell share, and unpaid lead purchases all remain due under Sections 5, 6, and 7.

10. State program restrictions.

Merchant cash advance and revenue-based leads are never issued for Texas, Virginia, or Connecticut. You may not re-scope a referred file in those states to a sales-based product, whatever the business asks for, and you must report the product actually funded on every outcome.

California and Missouri inquiries are Lead Purchase track at a fixed fee per inquiry.

No business in North Dakota is referred.

11. Term.

Either side can stop future lead flow at any time. Everything you already owe — on assigned, purchased, or funded leads — survives. A breach of the licensing representation in Section 8.1 separately permits JayBen, LLC dba Manufactor Finance, at its sole discretion and without notice, to suspend or end this relationship, withdraw any pending files, and recover any losses the breach causes.

12. Agreement.

These terms are governed by South Dakota law. Submitting the partner application and checking the agreement box creates a binding agreement between you and JayBen, LLC dba Manufactor Finance. If any of this is a problem, do not move forward with our leads.