Please complete the form below, review the full agreement, and sign before proceeding to payment.
This CDFI Capital Advisory Services Agreement (the "Agreement") is entered into as of the date last signed below (the "Effective Date") by and between:
Service Provider: Credit Plug ("Company" or "Provider") · www.creditplug.com · 1-844-796-8474 · info@creditplug.com
Client: As identified in the Client Information section above.
WHEREAS, the Client desires to engage the Provider for CDFI capital advisory, funding readiness assessment, and capital sourcing services; and WHEREAS, the Provider agrees to perform such services in accordance with the terms and conditions set forth herein; NOW, THEREFORE, in consideration of the mutual promises and covenants contained in this Agreement, the Parties agree as follows:
The Client has selected one of the following CDFI Capital Advisory service packages offered by Credit Plug. The selected plan determines the scope of services, deliverables, and pricing for this engagement.
| Service / Deliverable | CDFI Starter | CDFI Growth | CDFI Capital |
|---|---|---|---|
| CDFI Readiness Assessment | ✓ | ✓ | ✓ |
| Organizational Capacity Review | ✓ | ✓ | ✓ |
| Funding Strategy Development | ✓ | ✓ | ✓ |
| CDFI Lender Identification | ✓ | ✓ | ✓ |
| Capital Stack Analysis | ✓ | ✓ | |
| Lender Matching & Introduction | ✓ | ✓ | |
| Application Preparation Support | ✓ | ✓ | |
| Dedicated Advisory Support | ✓ | ||
| Full Application Submission & Management | ✓ | ||
| Ongoing Capital Advisory (12 months) | ✓ |
a) CDFI Readiness Assessment. A comprehensive evaluation of the Client's organizational readiness to access CDFI funding, including governance structure, financial health, mission alignment, and community impact documentation.
b) Organizational Capacity Review. An analysis of the Client's operational capacity, management team, track record, and systems to identify strengths and gaps relative to CDFI lender requirements.
c) Funding Strategy Development. A tailored capital strategy identifying the most appropriate CDFI funding sources, grant programs, and loan products for the Client's mission and financial profile.
d) CDFI Lender Identification. Research and identification of CDFIs, ECIPs, SBICs, MDIs, and other mission-driven lenders aligned with the Client's sector, geography, and funding needs.
e) Capital Stack Analysis. Detailed analysis and optimization of the Client's capital structure, including debt, equity, grants, and subordinated capital to maximize funding potential.
f) Lender Matching & Introduction. Direct introductions to CDFIs and mission-driven lenders from the Provider's network that are best suited to the Client's profile and funding needs.
g) Application Preparation Support. Guidance and support in preparing loan applications, financial projections, and supporting documentation required by CDFI lenders.
h) Dedicated Advisory Support. Assignment of a dedicated CDFI capital advisor as the Client's primary point of contact throughout the engagement.
i) Full Application Submission & Management. Complete preparation, submission, and follow-up management of funding applications on behalf of the Client.
j) Ongoing Capital Advisory. Continuous advisory services for a period of twelve (12) months from the Effective Date, including strategic guidance, lender relationship management, and capital pipeline development.
All deliverables remain the intellectual property of Credit Plug and are licensed to the Client for their personal or organizational use only. Deliverables include: CDFI Readiness Assessment Report, Organizational Capacity Review, Funding Strategy Document, Lender Identification List, and plan-specific items as outlined in Section 2.
4.1 The total fee for the selected service plan shall be communicated to the Client prior to execution of this Agreement and confirmed via the payment processor. Payment is due in accordance with the payment terms specified.
4.2 This Agreement must be signed by the Client prior to the processing of any payment. No services will commence until both this Agreement has been fully executed and payment has been received.
4.3 The Provider accepts payment via credit card, debit card, ACH transfer, wire transfer, or other methods as mutually agreed upon. All payments shall be made in United States Dollars (USD).
4.4 If the Client elects a payment plan, the Client agrees to make all scheduled payments on time. Failure to make a scheduled payment within ten (10) business days of the due date may result in a suspension of services.
4.5 All fees paid are non-refundable once services have commenced, except as otherwise required by applicable law or as specified in any applicable money-back guarantee terms communicated separately in writing.
5.1 CDFI Starter Plan. The Provider does not guarantee a minimum funding amount for the CDFI Starter plan, as this plan focuses on readiness assessment and strategy development.
5.2 CDFI Growth Plan. The Provider guarantees a minimum of $50,000 in funded capital for clients who complete all recommended action steps and maintain full engagement throughout the advisory process. If this minimum is not achieved within the agreed engagement period, the Provider will refund the service fee in full, subject to the conditions set forth in Section 5.4.
5.3 CDFI Capital Plan. The Provider guarantees a minimum of $100,000 in funded capital for clients who complete all recommended action steps and maintain full engagement throughout the advisory process. If this minimum is not achieved within the agreed engagement period, the Provider will refund the service fee in full, subject to the conditions set forth in Section 5.4.
5.4 Guarantee Conditions. The money-back guarantee is contingent upon: (a) the Client providing accurate, complete, and truthful information; (b) the Client completing all recommended action steps within the timelines specified by the Provider; (c) the Client maintaining full engagement and responsiveness throughout the advisory process; (d) the Client not applying for funding through channels other than those recommended by the Provider without prior written consent; and (e) the Client's organization remaining in good standing throughout the engagement period.
The Client acknowledges and agrees to: (a) provide accurate, complete, and truthful information about their organization, finances, and funding history; (b) respond to Provider requests in a timely manner; (c) complete action steps within recommended timelines; (d) authorize the Provider to review organizational and financial documents as necessary; (e) refrain from applying for CDFI funding without first consulting with the Provider; and (f) maintain all existing financial obligations in good standing.
7.1 The Provider is a capital advisory firm. The Provider is not a law firm, accounting firm, licensed financial advisor, or registered investment advisor. The services provided constitute strategic advisory, capital readiness consulting, and document preparation services.
7.2 The Provider does not guarantee approval of any loan application, grant award, or other financial product. Funding decisions are made solely by the applicable financial institution or grant-making organization.
7.3 The Client is encouraged to consult with a licensed attorney regarding any legal matters and a licensed CPA or tax professional regarding any tax-related matters.
8.1 The Provider agrees to maintain the confidentiality of all personal, financial, and organizational information provided by the Client. The Provider shall not disclose such information to any third party without the Client's prior written consent, except as required by law.
8.2 The Client agrees to maintain the confidentiality of all proprietary methodologies, templates, tools, processes, and deliverables provided by the Provider.
9.1 This Agreement shall commence on the Effective Date and remain in effect until all services have been delivered, or until terminated by either Party.
9.2 Either Party may terminate this Agreement for any reason upon thirty (30) days' written notice. In the event of termination, the Client shall pay for all services rendered through the date of termination.
9.3 The Provider may terminate this Agreement immediately if the Client provides false, misleading, or fraudulent information.
To the fullest extent permitted by applicable law, the Provider's total liability shall not exceed the total fees paid by the Client under this Agreement. In no event shall the Provider be liable for any indirect, incidental, consequential, special, or punitive damages.
11.1 The Parties agree to attempt to resolve any dispute through good-faith negotiation.
11.2 If the Parties are unable to resolve a dispute within thirty (30) days, either Party may pursue binding arbitration administered by the American Arbitration Association (AAA) in Washington, D.C.
11.3 This Agreement shall be governed by and construed in accordance with the laws of the District of Columbia.
12.1 Entire Agreement. This Agreement constitutes the entire agreement between the Parties and supersedes all prior agreements.
12.2 Amendments. This Agreement may not be amended except by a written instrument signed by both Parties.
12.3 Severability. If any provision is held invalid, the remaining provisions shall continue in full force.
12.4 Waiver. Failure to enforce any right shall not constitute a waiver of such right.
12.5 Assignment. The Client may not assign this Agreement without the prior written consent of the Provider.
12.6 Notices. All notices shall be in writing and delivered personally, by email with confirmation, or by certified mail.
12.7 Independent Contractor. The Provider is an independent contractor. Nothing in this Agreement creates a partnership, joint venture, agency, or employment relationship.
By signing below, the Client acknowledges that they have read, understand, and agree to all terms and conditions of this Agreement. The Client further acknowledges that this Agreement must be executed prior to the processing of any payment and the commencement of any services.
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