Reviewed by real people, not an algorithm.
Access fast funding with flexible repayment terms and
cash-flow-focused underwriting, with no hard credit checks or surprise fees.
A quick Welcome from Phil
About Kraftworks Capital
Get funding up to $10,000
Flexible repayment terms
(3 - 12 months)
Built for Texas' trade businesses doing real work
Built to empower Trade Businesses
Jobs come first. Payments come later. Kraftworks Capital supports operators who keep work moving despite uneven cash flow.
How it Works?
Step 1: Tell Us About Your Business
Share a few details about your operation and the kind of work you do.Our process focuses on real jobs, not credit scores.
Step 2: Verify Your Activity
Our funding team will contact you to verify your business activity, and may request additional information to confirm cash flow and eligibility.
*PDFs, screenshots, or mobile downloads all work. We’ll guide you if anything’s missing.
Step 3: Get Approved and Funded
Once verified, you’ll receive a funding offer tailored to how your business actually operates.
Why Trade Businesses LIKE YOU Choose Us
✔ Improve Your Cash Flow
Reduce the strain of long payment terms and unpredictable schedules.
✔ Keep Projects Moving
Get reliable bridge funding to cover payroll, materials, and unexpected costs.
✔ Simple and Transparent Structure
No hidden fees and no confusing structures, just straightforward funding.
✔ Flexible Terms (3–12 Months)
Choose a repayment schedule that fits your workflow and job cycles.
✔ Built for Trades
Tailored solutions for plumbers, electricians, HVAC teams, builders, and other skilled trades.
✔ Dedicated Human Support
Talk to Kraftworks team who understand seasonal cycles, job dependencies, and cost fluctuations unique to your industry.
See if you qualify
If these describe your business, you’re likely a good match:
At least 6 months in Operation
Your business should be actively working with recent cash-flow history.
Consistent income & job activity
Regular deposits from jobs or invoices, typically $1,500+ per month. Steady work matters more than a single high month.
Business use only
Funds must be used for business expenses like payroll, materials, or operating costs.
Hear from trade pros who use Kraftworks
Ready to improve your cash flow?
We get how frustrating it can be talking to bots. That’s why Phil, our Co-Founder (and an actual human), is here to help you understand your options and keep your business moving.
Stay Up To Date
Receive helpful insights, cash flow strategies, and important announcements for trade pros and businesses.
Join us in empowering trade professionals and promoting financial inclusion.
Get notified when Kraftworks is available at your states.
Frequently Asked Questions
How quickly can I access funding?
Most qualified trade pros get funded quickly after submitting the required details. If approved, funding can be available as soon as the same or next business day.
How much funding can I get?
Your business may qualify for up to $10,000, subject to eligibility and approval.
What terms do you offer?
We offer amortizing loans with fixed monthly payments and terms typically ranging from 3–12 months.Your APR will never exceed 18%, and it includes any costs associated with the funding.
Which trades do you support?
We work with plumbers, electricians, HVAC professionals, builders, cleaners, repair specialists, and other home service businesses.
Is there a minimum business size?
We support sole proprietors all the way up to mid-sized firms.
Do I need collateral?
No. We use cash-flow underwriting, so you don’t need to put up equipment or property. We look at your business activity; not your assets or credit score to approve funding.
Are there any fees?
No. We don’t charge origination fees, broker fees, or prepayment penalties. The APR you see is the total cost of borrowing.
What state do you serve?
We currently serve Texas, with a strong focus on the trades.
We’re expanding soon, join the waitlist to get notified when your state becomes available.
Join us in empowering trade professionals and promoting financial inclusion.
Get notified when Kraftworks is available at your states.
Kraftworks Capital - Get Started
Cash flow keeps your business moving.
We help you bridge the gaps and keep projects on track.
How it works
Submit your application
Share a few details about your trade business. Prepare your bank statements and recent invoices. No credit score required.Remember, the more information you share with us the better conditions we can offer you.
*PDFs, screenshots, or mobile downloads all work. We’ll guide you if anything’s missing.
Our funding specialist will get in touch with you
Our funding team will contact you to verify your business activity and may request additional information to confirm cash flow and eligibility.
Get approved and funded
Receive a tailored offer once verified. Most qualified trade pros get funded quickly after submitting the required details.
Join us in empowering trade professionals and promoting financial inclusion.
Subscribe to our Newsletter
Get updates about our product on your email.
Mary's Success Story
How Mary used Kraftworks funding to keep her projects moving, her team paid,
and her business growing.
Background
Mary is the owner of Gamar Cleaning and Maintenance, a residential cleaning business serving the Houston area. Over eight years, she built her company from a single client into a loyal base of more than 50 recurring customers, known for reliable and detail-oriented service.Like many small service businesses, Mary's company grew through reputation and word-of-mouth. But as the market tightened and operational pressures increased, maintaining that growth became more difficult.
The Challenge
Despite having a steady customer base, Mary began facing cash flow pressure that made it difficult to operate smoothly. Expenses like gas, supplies, and team wages had to be paid immediately, while incoming payments were less predictable, forcing her to constantly juggle finances just to keep things running.At the same time, Mary needed to expand her team to keep up with demand, but hiring and onboarding new workers required time and upfront resources. Without enough staff, she often had to manage driving, scheduling, and client follow-ups herself, limiting how many jobs the business could take on and slowing her growth.
The Solution
That's when Mary discovered Kraftworks. Within days of applying, she was approved for funding that gave her the working capital she needed to cover payroll, supplies, and daily operating expenses without constantly worrying about cash flow gaps.The process was simple, no mountains of paperwork and no long waiting periods. Kraftworks understood the realities of running a service business and structured the funding to support how small operators actually run their businesses.Beyond funding, Kraftworks also supported Mary with hiring, helping her expand her team so Gamar Cleaning and Maintenance could take on more jobs and continue growing.
The Outcome
With reliable funding in place, Mary was able to stabilize her cash flow and run the business with greater confidence. Instead of constantly juggling expenses, she could plan ahead and invest in improving her services.She purchased a new carpet cleaning machine, allowing Gamar Cleaning and Maintenance to deliver higher-quality results and take on more specialized jobs. With her finances more stable and her team growing, Mary is now also planning to expand into pressure washing, adding another service line to increase revenue and serve more customers.Most importantly, the support from Kraftworks allowed Mary to focus on running and improving her business, rather than worrying about short-term cash flow gaps.
"Kraftworks changed the game for me. I stopped stressing about cash flow and started focusing on growing my business. They get what trade business owner go through, and they actually help."
— Mary Leal, Commercial and Residential Cleaning Business Owner
Ready to Write Your Own Success Story?
Join trade pros like Mary who've used Kraftworks to fuel their growth.
Join us in empowering trade professionals and promoting financial inclusion.
Subscribe to our Newsletter
Get updates about our product on your email.
Revisado por personas reales, no por un algoritmo.
Accede a financiamiento rápido con términos de pago flexibles y una evaluación enfocada en el flujo de efectivo, sin consultas duras al buró de crédito ni comisiones sorpresa.
Una rápida bienvenida de Phil
Sobre Kraftworks Capital
Obtén financiamiento de hasta $10,000
Términos de pago flexibles
(3 a 12 meses)
Diseñado para los negocios de oficios en Texas que hacen trabajo real.
Diseñado para impulsar a los negocios de oficios
El trabajo va primero. Los pagos llegan después. Kraftworks Capital apoya a los operadores que mantienen el trabajo en marcha a pesar de un flujo de efectivo irregular.
¿Cómo funciona?
Paso 1: Cuéntanos sobre tu negocio
Comparte algunos detalles sobre tu operación y el tipo de trabajo que realizas.Nuestro proceso se enfoca en trabajos reales, no en puntajes de crédito.
Paso 2: Verifica tu actividad
Nuestro equipo de financiamiento se pondrá en contacto contigo para verificar tu negocio y tu actividad, y podría solicitar información adicional para confirmar tu flujo de efectivo y tu elegibilidad.
*Se aceptan PDFs, capturas de pantalla o descargas desde tu celular. Te guiaremos si falta algo.
Paso 3: Obtén aprobación y financiamiento
Una vez verificado, recibirás una oferta de financiamiento diseñada según cómo opera realmente tu negocio.
Por qué los negocios de oficios como el tuyo nos eligen
✔ Mejora tu flujo de efectivo
Reduce la presión de los plazos de pago largos y los calendarios impredecibles.
✔ Mantén tus proyectos en marcha
Obtén financiamiento puente confiable para cubrir nómina, materiales y costos inesperados.
✔ Términos simples y transparentes
Sin comisiones ocultas ni estructuras confusas, solo financiamiento claro y directo.
✔ Términos flexibles (3–12 meses)
Elige un calendario de pagos que se adapte a tu flujo de trabajo y a los ciclos de tus proyectos.
✔ Diseñado para oficios
Soluciones a la medida para plomeros, electricistas, equipos de HVAC, constructores y otros oficios especializados.
✔ Atención humana dedicada
Habla con el equipo de Kraftworks, que entiende los ciclos estacionales, las dependencias entre proyectos y las variaciones de costos propias de tu industria.
Consulta si calificas
Si cumples con estos puntos, estás listo para empezar:
Al menos 6 meses en operación
Tu negocio debe estar operando activamente por lo menos 6 meses y contar con algunos meses de historial de flujo de efectivo.
Ingresos y actividad laboral constantes
Depósitos regulares por trabajos o facturas, por lo general de $1,500 o más al mes. La constancia es más importante que un solo mes alto.
Usar los fondos únicamente para gastos del negocio
Los fondos deben utilizarse para gastos del negocio como nómina, materiales o costos operativos.
Lo que dicen los profesionales de oficios
¿Listo para mejorar tu flujo de efectivo?
Sabemos lo frustrante que puede ser hablar con bots. Por eso Phil, nuestro cofundador (y una persona real), está aquí para ayudarte a entender tus opciones y mantener tu negocio en marcha.
Mantente al día
Recibe consejos útiles, estrategias de flujo de efectivo y anuncios importantes para profesionales de oficios y negocios.
Únete a nosotros para impulsar a los profesionales de oficios y promover la inclusión financiera.
Únete a la lista de espera de financiamiento
Recibe una notificación cuando Kraftworks esté disponible en tu estado.
La historia de éxito de Mary
Cómo Mary utilizó el financiamiento de Kraftworks para mantener sus proyectos en marcha, a su equipo pagado y su negocio en crecimiento.
Antecedentes
Mary es la dueña de Gamar Cleaning and Maintenance, un negocio de limpieza residencial que atiende el área de Houston. Durante ocho años, hizo crecer su empresa de un solo cliente a una base leal de más de 50 clientes recurrentes, conocida por su servicio confiable y atención al detalle.Como muchos pequeños negocios de servicios, la empresa de Mary creció gracias a su reputación y al boca a boca. Pero a medida que el mercado se volvió más competitivo y aumentaron las presiones operativas, mantener ese crecimiento se volvió más difícil.
El reto
A pesar de contar con una base sólida de clientes, Mary comenzó a enfrentar presión en su flujo de efectivo, lo que dificultaba operar sin problemas. Gastos como gasolina, insumos y sueldos del equipo debían pagarse de inmediato, mientras que los pagos que recibía eran menos predecibles, obligándola a estar constantemente ajustando sus finanzas solo para mantener el negocio en marcha.Al mismo tiempo, Mary necesitaba expandir su equipo para cubrir la demanda, pero contratar e integrar nuevos trabajadores requería tiempo y recursos iniciales. Sin suficiente personal, a menudo tenía que encargarse ella misma de manejar, organizar horarios y dar seguimiento a los clientes, lo que limitaba la cantidad de trabajos que podía aceptar y frenaba su crecimiento.
La solución
Fue entonces cuando Mary descubrió Kraftworks. A los pocos días de aplicar, fue aprobada para recibir financiamiento que le dio el capital de trabajo necesario para cubrir nómina, insumos y gastos operativos diarios, sin preocuparse constantemente por los huecos en el flujo de efectivo.El proceso fue sencillo, sin montones de papeleo ni largos tiempos de espera. Kraftworks entendió la realidad de manejar un negocio de servicios y estructuró el financiamiento para adaptarse a la forma en que realmente operan los pequeños negocios.Además del financiamiento, Kraftworks también apoyó a Mary con la contratación de personal, ayudándole a expandir su equipo para que Gamar Cleaning and Maintenance pudiera tomar más trabajos y seguir creciendo.
El resultado
Con un financiamiento confiable en su lugar, Mary pudo estabilizar su flujo de efectivo y manejar su negocio con mayor confianza. En lugar de estar constantemente ajustando gastos, ahora podía planear con anticipación e invertir en mejorar sus servicios.Compró una nueva máquina de limpieza de alfombras, lo que permitió a Gamar Cleaning and Maintenance ofrecer resultados de mayor calidad y aceptar trabajos más especializados. Con sus finanzas más estables y su equipo en crecimiento, Mary ahora también planea expandirse al lavado a presión, agregando una nueva línea de servicio para aumentar sus ingresos y atender a más clientes.Lo más importante es que el apoyo de Kraftworks permitió a Mary enfocarse en operar y mejorar su negocio, en lugar de preocuparse por los problemas de flujo de efectivo a corto plazo.
"Kraftworks cambió todo para mí. Dejé de preocuparme por el flujo de efectivo y empecé a enfocarme en hacer crecer mi negocio. Entienden por lo que pasan los dueños de negocios de oficios y realmente ayudan."
— Mary Leal, dueña de negocio de limpieza comercial y residencial
¿Listo para escribir tu propia historia de éxito?
Únete a profesionales como Mary que han utilizado Kraftworks para impulsar su crecimiento.
Únete a nosotros para impulsar a los profesionales de oficios y promover la inclusión financiera.
Únete a la lista de espera de financiamiento
Recibe una notificación cuando Kraftworks esté disponible en tu estado.
Kraftworks Capital – Comienza ahora
El flujo de efectivo mantiene tu negocio en movimiento.
Te ayudamos a cerrar los espacios y a mantener tus proyectos en marcha.
Cómo funciona
Envía tu solicitud
Comparte algunos datos sobre tu negocio de oficios. Ten listos tus estados de cuenta bancarios y facturas recientes. No se requiere puntaje de crédito.Recuerda: entre más información nos compartas, mejores condiciones podremos ofrecerte.
Nuestro especialista en financiamiento se pondrá en contacto contigo.
Nuestro equipo de financiamiento se pondrá en contacto contigo para verificar tu negocio y tu actividad, y podría solicitar información adicional para confirmar tu flujo de efectivo y tu elegibilidad.
Obtén aprobación y financiamiento
Recibe una oferta a la medida una vez que se complete la verificación. La mayoría de los profesionales de oficios que califican reciben financiamiento rápidamente después de enviar la información requerida.
Únete a nosotros para impulsar a los profesionales de oficios y promover la inclusión financiera.
Suscríbete a nuestro boletín
Recibe actualizaciones sobre nuestro producto en tu correo electrónico.
Join us in empowering trade professionals and promoting financial inclusion.
Subscribe to our Newsletter
Get updates about our product on your email.
Preguntas Frecuentes
¿Qué tan rápido puedo acceder al financiamiento?
La mayoría de los profesionales de oficios que califican reciben financiamiento poco después de enviar la información requerida. Si eres aprobado, los fondos pueden estar disponibles el mismo día o el siguiente día hábil.
¿Cuánto financiamiento puedo obtener?
Tu negocio puede calificar para hasta $10,000, sujeto a elegibilidad y aprobación.
¿Qué plazos ofrecen?
Ofrecemos préstamos amortizados con pagos mensuales fijos y plazos que normalmente van de 3 a 12 meses.Tu APR nunca superará el 18% e incluye todos los costos asociados al financiamiento.
¿Qué oficios apoyan?
Trabajamos con plomeros, electricistas, profesionales de HVAC, constructores, empresas de limpieza, especialistas en reparaciones y otros negocios de servicios para el hogar.
¿Hay un tamaño mínimo de negocio?
Apoyamos desde negocios unipersonales hasta empresas de tamaño mediano.
¿Necesito ofrecer garantía?
No. Utilizamos una evaluación basada en el flujo de efectivo, por lo que no necesitas poner en garantía equipo ni propiedades. Analizamos la actividad de tu negocio, no tus activos ni tu puntaje de crédito, para aprobar el financiamiento.
¿Hay alguna comisión?
No. No cobramos comisiones de apertura, comisiones de intermediación ni penalizaciones por pago anticipado. El APR que ves representa el costo total del financiamiento.
¿En qué estado operan?
Actualmente operamos en Texas, con un fuerte enfoque en los oficios.Próximamente nos estaremos expandiendo; únete a la lista de espera para recibir una notificación cuando tu estado esté disponible.
Join us in empowering trade professionals and promoting financial inclusion.
Subscribe to our Newsletter
Get updates about our product on your email.
Join us in empowering trade professionals and promoting financial inclusion.
Subscribe to our Newsletter
Get updates about our product on your email.
Contáctanos
Agenda una llamada con Phil, cofundador de Kraftworks:
Join us in empowering trade professionals and promoting financial inclusion.
Subscribe to our Newsletter
Get updates about our product on your email.
Kraftworks App Terms of Use
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Provide your contact details, including an email address; and
Provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.Links to Third-Party WebsitesWe are not responsible for the information practices employed by websites linked to or from the Website. In most cases, links to third-party websites are provided solely as pointers to information on topics that may be useful to our Users. Since third-party websites may have different privacy policies and/or security standards governing their websites, we advise you to review the privacy policies and terms and conditions of these websites prior to providing any personal information.You expressly relieve us from any and all liability arising from your use of any third party website, service, or content. Additionally, your dealings with or participation in promotions of advertisers found on this Website, including payment and delivery of goods, and any other terms (such as warranties) are solely between you and such advertisers. You agree that we are not responsible for any loss or damage of any sort relating to your dealings with such advertisers.The fact that we provide a link to a website does not necessarily mean we endorse, authorize, or sponsor that third-party website, or that we are affiliated with the third-party website's owners or sponsors. We reserve the right to terminate a link to a third-party website at any time.Access to WebsiteTo access our website and submit applications, you will need a working connection to the Internet via a web browser on your computer or mobile phone for which you are responsible for all security, costs, expenses, and fees.From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons the Website may not be available for your use. The Website also may be unavailable or may not work properly due to other factors including, but not limited to: software or hardware failure, severe weather, earthquakes, wars, insurrection, riots, civil commotion, acts of God, accident, damage, natural disasters, interruption of power, governmental or regulatory restrictions or other causes beyond Kraftworks’ control.You agree that we shall not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the Website, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control.We shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the Website caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”), or capacity or other limitations or constraints of the Internet.Disclaimer of Warranties; Errors
KRAFTWORKS PROVIDES THE WEBSITE AND SERVICES “AS IS” AND “AS AVAILABLE” WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ADDITIONALLY, KRAFTWORKS APP MAKES NO CLAIM OR GUARANTEE AS TO THE ACCURACY OF ANY INFORMATION PROVIDED OR WEBSITE CONTENT.Although we try to provide accurate and timely information on this Website, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on this Website, and we expressly disclaim liability for any errors or omissions in such information. We do not guarantee continuous, uninterrupted, or secure access to the Website or any of our Services, and the operation of the Website may be interfered with by numerous factors outside our control. We do not guarantee or promise any specific results from use of the Website and/or our products and services. You agree that Kraftworks App may promptly correct any error that we discover.Limitation of LiabilitiesIN NO EVENT WILL KRAFTWORKS APP OR ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS, OR ANY LENDER, BE LIABLE TO YOU OR TO ANY OTHER PARTY FOR LOST PROFITS OR ANY OTHER SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR INDIRECT DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES, EVEN IF KRAFTWORKS APPIS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT ALLOWED BY APPLICABLE LAW, KRAFTWORKS’ LIABILITY TO YOU FOR ANY CAUSE OF ACTION REGARDLESS OF FORM WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID BY YOU TO KRAFTWORKS, IF ANY, AND IN NO CASE SHALL KRAFTWORKS’ LIABILITY TO YOU EXCEED $1,000.00.Intellectual PropertyYou agree that the Website and all logos related to our products and Services are ours and any relevant licensors’ trademarks or registered trademarks, respectively. Nothing on the Website should be construed as granting the User any license or right to use any trademark, whether owned by Kraftworks App or a third party, displayed on the Website, without prior written approval of the trademark owner. You may not copy, duplicate, display, distribute, modify, reproduce, imitate or use any trademark found on the Website without prior written consent of the trademark’s owner. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress. All right, title and interest in and to the Website, any content thereon, our products and Services, the technology related to our products and Services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors’ exclusive property.IndemnificationYou agree to indemnify, defend, and hold harmless Kraftworks App and its affiliates, officers, directors, employees, agents, and representatives for damages, losses, liabilities, settlements and expenses (including without limitation costs and attorneys’ fees), arising in connection with any claim, suit, proceeding, or other action arising from your use of the Website or Services, your conduct in connection with your use of the Website or Services, or any violation of these Terms of Use or of any law or the rights of any third party.
TerminationSubject to applicable law and the terms of any Services, we reserve the right, in our reasonable discretion, to terminate your use of the Website, your user account, or any Service provided to you and to assert our legal rights with respect to content or use of the Website that we reasonably believe is, or might be, in violation of these terms or the terms of any Service.In the event we terminate this Terms of Use, any applications you have completed and submitted will continue to be evaluated, and any existing transactions you have entered into with us shall remain in effect.MiscellaneousChoice of LawExcept with respect to the Arbitration section below, which is governed exclusively by federal law, these Terms of Use shall be governed by the laws of the State of Texas without regard to any conflict of laws provision.SeverabilityIf any provision of these Terms of Use is held by a court of competent jurisdiction to be unenforceable for any reason, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of these Terms of Use shall remain in full force and effect. The headings in these Terms of Use are intended only to help organize these Terms of Use.WaiverKraftworks’ failure or delay in exercising any right, power, or remedy under these Terms of Use shall not operate as a waiver of any such right, power, or remedy.Arbitration And Dispute ResolutionIT IS IMPORTANT THAT YOU READ THIS ARBITRATION AND DISPUTE RESOLUTION PROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH CLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY AND TO SEEK PUNITIVE DAMAGES. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS.Any Claim by either you or us against the other will, at the election of either you or us, be resolved by binding arbitration. “Claims” subject to this arbitration provision shall include any claim involving you and us (collectively, the Parties”) relating to or arising out of your access to and use of the Website, any claim relating to or arising out of these Terms of Use and any claim relating to or arising from any third-party websites linked to the Website or third-party information contained on the Website. “Claims” subject to this arbitration provision shall also include disputes regarding the applicability of this provision or the interpretation, scope or validity of the Terms of Use or this arbitration provision including questions of arbitrarily of any issue, except that the parties’ waiver of any right to bring a class action or to participate in a class action shall be solely determined by the appropriate court, if necessary. As used in this arbitration provision, the term “Claim” is to be given the broadest possible meaning, and includes past, present, and/or future Claims. This arbitration provision governs all Claims, whether such claims are based on law, statute, contract, regulation, ordinance, tort, common law, constitutional provision, or any other legal theory; and whether such Claim seeks as remedies money damages, penalties, injunctions or declaratory, or equitable relief. Claims subject to arbitration also include Claims that are made as counterclaims, cross-claims, third party claims, interpleaders, or otherwise.Notwithstanding this arbitration provision, if you have a Claim that is within the jurisdiction of the small claims court and where the amount in controversy is no greater than $10,000 including any claims for attorneys’ fees and non-monetary relief, you may file your Claim there.Any small claim may only be brought on an individual basis and no small claim may be brought on a class or representative basis. Any appeal from a decision of a small claims court shall be subject to this arbitration provision.The Parties agree to give up any right they may have to bring a class action lawsuit or class arbitration or to participate in a class proceeding as a member of a class. If a party files a lawsuit asserting a Claim or elects to arbitrate a Claim, the proceeding will be conducted as an individual action only. This means that even if a demand for class arbitration, a class action lawsuit or other representative action, including a private attorney general action, is filed; any Claim shall be asserted only in an individual capacity without the ability to act as a class representative, join other claimants or assert any Claim as a member of a class. The parties agree to give up their respective rights to a trial by jury. The parties also agree to waive any right to seek or recover punitive damages in any suit.Written notice shall be given for any dispute. Such notice shall be given by certified mail, return receipt requested. Any notice we send you may be provided to you at your last known address or at such other address as we may have in our records. Your notice to us shall be given to: 1201 Fannin St Suite #262 Houston, TX 77002. This notice may be given after a lawsuit has been filed and may be given in papers or motions in the lawsuit. The party initiating the arbitration must set forth in the notice the nature and factual basis of the dispute, the names and addresses of all other parties, the amount involved and the specific relief requested. The party responding to such notice may answer and similarly set forth any counterclaims. You or we may bring a summary or expedited motion to compel arbitration of any Claim or to stay the litigation of any Claims pending in any court. Such a motion or action may be brought at any time. The failure to initiate or request arbitration at the beginning of a dispute or claim shall not be construed as a waiver of the right to arbitration.The arbitration shall be conducted by one neutral and impartial arbitrator mutually agreed upon by the parties. The arbitrator must be an attorney or retired judge. In the event that the parties cannot agree on an arbitrator, the parties agree that an arbitrator may be appointed by a court in accordance with the Federal Arbitration Act, Title 9 of the United States Code (“FAA”). The arbitrator may conduct all necessary preliminary proceedings, provide for the exchange of information and/or discovery and set the time, date and place of any hearing, after reasonable notice to and consultation with the parties. The award shall be issued, without a written determination, no later than 30 days from the date any hearing is completed.The parties shall be responsible for their own attorneys’ fees and costs associated with the arbitration, unless otherwise allowed for under the applicable substantive law and awarded by the arbitrator.You and us each agree that are participating in transactions involving interstate commerce which shall cause this arbitration provision to be governed by the provisions of the FAA and not by any state law concerning arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and applicable privilege rules, and shall be authorized to award all available remedies, including without limitation, damages (to the extent not limited by this Agreement), declaratory, injunctive and other equitable relief, and attorneys’ fees and costs. The arbitrator shall follow rules of procedure and evidence consistent with the FAA and this provision.Any court with jurisdiction may enter judgment upon the arbitrator’s award. The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing party will pay the cost of appeal, regardless of its outcome. However, we will consider in good faith any reasonable written request for us to bear the cost of your appeal. We will pay any fees or expenses we are required by law to pay or in order to make this arbitration provision enforceable.This arbitration provision shall survive termination of the Terms of Use. If it is determined that any provision in this Arbitration and Dispute Resolution Agreement is illegal, invalid or unenforceable, such illegality, invalidity or unenforceability shall not affect the other provisions of this Arbitration and Dispute Resolution Agreement. The remainder of this Arbitration and Dispute Resolution Agreement shall continue in full force and effect as if the severed provision had not been included. Notwithstanding this severability provision, if a court of competent jurisdiction determines that the waivers of class actions and class arbitrations or the limitations of asserting claims in a representative capacity or as a member of a class are struck in a proceeding brought on a class, representative or private attorney general basis, without impairing the right to appeal such decision, this entire Arbitration and Dispute Resolution Agreement (other than this proviso) shall be null and void in its entirety in such proceeding.
FOR ALL DISPUTES COVERED BY THIS ARBITRATION AND DISPUTE RESOLUTION AGREEMENT, THE PARTIES HAVE AGREED TO WAIVE THEIR RIGHT TO A TRIAL BY JURY, THEIR RIGHT TO PARTICIPATE IN CLASS ACTIONS, AND THEIR RIGHT TO SEEK PUNITIVE DAMAGES. EXCEPT FOR DISPUTES AND CLAIMS NOT SUBJECT TO THIS ARBITRATION AGREEMENT, ARBITRATION SHALL BE IN PLACE OF ANY CIVIL LITIGATION IN ANY COURT AND IN PLACE OF ANY TRIAL BY JURY.THE TERMS OF THIS ARBITRATION AND DISPUTE RESOLUTION AGREEMENT AFFECT YOUR LEGAL RIGHTS. IF YOU DO NOT UNDERSTAND ANY TERMS OF THIS ARBITRATION AGREEMENT OR THE COST, ADVANTAGES OR DISADVANTAGES OF ARBITRATION, SEEK INDEPENDENT ADVICE BEFORE THIS AGREEMENT BECOMES EFFECTIVE.AccessibilityIf any portion of this website is inaccessible to you for any reason, please contact us at [email protected] .Contacting UsIf you have questions, comments, or complaints regarding these Terms of Use, the Website, or Services, you may email us at [email protected] .
Kraftworks Privacy Policy
IntroductionThis Privacy Policy describes how MCA Trade AG, d/b/a Kraftworks App (“Kraftworks”, “we”, “us”, “our”) collects, uses, stores, and shares your information when (1) you access and/or use our websites, mobile applications, or other digital properties we own and operate, including http://www.kraftworks.app (“Websites”); (2) you use our services (“Services”); (3) you communicate with us in any manner, including by email, direct messaging, telephone, and/or in person (“Communications”); and/or (4) we interact with certain third parties.
1. What Type Of Information Do We Collect?
Depending on how you interact with our Websites and Services, the nature of our Communications, and how we may interact with certain third parties, we may collect the following information from and about you:
Identifying Information. Information such as your full name, username and password, social security number, driver’s license number or other government identification number, telephone (including mobile number where provided), email, postal address, and other identifying information.
Information From Public Sources. Information gathered from publicly available sources such as government records, the internet, and related publications.
Credit History. Information about your credit history, including professional and employment background and other information we may obtain from credit bureaus.
Subscriptions / Preferences. Information we obtain when you subscribe to receive updates or our newsletters.
Events Data. Information we obtain concerning your attendance at our events, and your feedback relating to such events.
Social Media Posts. Information concerning your posts, likes, tweets and other public interactions with social media platforms and our social media accounts.
Device Identifier and other Unique Identifiers. Information such as your device identifier, internet protocol (IP) address, cookies, beacons, pixel tags, mobile ad identifier, and other unique and/or persistent identifiers.
Internet or Other Network Activity. Information such as your browsing or search history on our Websites, and other information regarding your interactions with our Websites, emails, advertisements, and related Communications.
Geolocation Data. Information that permits us to determine your general location so that we can determine the best Services for you.
Commercial Information. Information such as the Services you’ve considered with us, applications completed, loans sought, and related information about your commercial activities with us and other third parties.
Demographic Information. Information such as your age, sex, date of birth, and related demographic information.
Audio and Visual Information. Information such as photographs, images, videos, and recordings of your voice (such as when we record customer service calls for quality assurance).
Inferences. Information such as inferences drawn from or created based on the information identified above.
2. How Do We Collect Your Information?We collect your information in three ways: (1) directly from you when you use our Websites, Services, and Communicate with us; (2) automatically using online technologies when you engage with our Websites, Services, and Communications; and (3) from our third party partners.
Directly from you. We collect information directly from you when you enter your information on our Websites, complete an application or other loan forms with us, apply for financing, make a payment, create an account and password, engage us to provide you with our Services, access our content, use our Websites and Services, engage in Communications with us, or sign-up to receive emails, text messages, or certain other Communications from us.
Automatically Using Online Technologies. When you visit our Websites, open or click on emails we send you or related Communications, or interact with our advertisements, we or other third parties may automatically collect certain information about you using online tracking technologies such as cookies, pixels, web beacons, software developer kids, and related technologies. For more information, see Cookies and Similar Online Tracking Technologies below.
From Our Partners. We collect information from our third party partners, such as data analytics providers, credit bureaus, background check providers, investigators, marketing or advertising providers, fraud prevention service providers, and vendors that provide other related services.
3. Cookies and Related Online Tracking TechnologiesWe and our third-party partners may use from time to time cookies, pixels, web beacons, software development kits, and other similar online tracking technologies to gather information about you when you use our Websites, interact with some of our Services, and engage with our Communications. Some of the online tracking technologies are used to maintain the security of our Websites, manage your account, prevent crashes, fix bugs, save your preferences, assist with basic Website functions, advertising, analytics, and other performance functions.
Our Websites use Google Analytics for analytics purposes. You can learn more about Google Analytics by vising Our Websites use Google Analytics for analytics purposes. You can learn more about Google Analytics by visiting
4. How Do We Use Your Information?We use your information for a variety of purposes, including to:
Provide our Websites and Services to You. We use your information to provide our Websites and Services to you, including to: (1) create and manage your account when you sign-up to use our Services; (2) process your applications and requests for Services; (3) facilitate your access and use of our Websites; (4) process your receipts and feedback on products to facilitate your participation in the Services; (5) send you notifications relating to your account and participation in our Services; (6) answer your Communications; and (7) perform other related business functions.
Communicate with You. We use your information to engage in Communications with you, such as to respond to your requests, inquiries, issues, feedback, and to provide customer service.
Market and Advertise. We use your information for marketing and advertising purposes, including sending marketing, advertising, and promotional communications to you by email, text message, or postal mail. We also use your information to show you advertisements for Services and to administer sweepstakes and other contests.
Conduct Analytics and Personalization. We use your information to conduct research and analytics, including to improve our Websites and Services. We also use your information to understand your interaction with our Websites, advertisements, Services, and our Communications with you. We also use your information to personalize your experience, to save you time when you visit our Websites and use our Services, to better understand your needs, and to provide personalized recommendations for our Services.
Security and Fraud Prevention. We use your information to detect, investigate, prevent, or take action regarding possible malicious, deceptive, fraudulent, or illegal activity, including fraudulent transactions. We also use your information to enforce our terms and procedures, prevent against security incidents, and prevent the harm to other users of our Services.
Legal Obligations. We use your information to comply with our legal and regulatory obligations, to establish and exercise our rights, and to defend against legal claims.
Business Functions. We use your information to support our core business functions, including to maintain records related to business management, loss prevent, collecting amounts owed, and identifying and repairing errors or problems in the Websites.
5. How Do We Disclose Your Information?We may disclose or share your information with affiliated and non-affiliated third-parties, including in the following scenarios:
With your Consent. We may disclose or share your information with your consent, which may be obtained in writing; online, through “click-through” agreements; when you accept the terms of use on our Websites; orally, either in person or on the phone; or by other means.
In a Business Transfer. We may disclose or share your information as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third parties as a business asset in the transaction.
To Affiliated Partners. We may disclose or share your information with certain affiliated partners, such as those we provide services to, insurance carriers, lenders, and related third parties.
To Non-Affiliated Third Parties. We may disclose or share your information with certain non-affiliated third parties to facilitate your access and use of our Websites, our Services, and to provide us with certain business functions, including but not limited to sharing your information with brand partners, internet service providers, advertising networks, data analytics providers, governmental entities, operating systems and platforms, social medial networks, and service providers who provide us a service (e.g., customer service, auditing, marketing, debugging to identify and repair errors that impair existing intended functionality on our Websites, and/or protecting against malicious, deceptive, fraudulent, or illegal activity).
Financial Institutions and Data Handling. Kraftworks App uses Plaid Inc. (“Plaid”) to verify loan applicants and borrowers by securely gathering your data from financial institutions. By using our service, you authorize Kraftworks to access and transmit your personal and financial information through Plaid. You acknowledge and agree that your personal and financial information will be transferred, stored, and processed by Plaid. Additionally, Kraftworks uses Bank of America to process ACH funds transfers between your bank account and Kraftworks for the purpose of providing our services.
For Legal Process And Protection. We may disclose or share your information to satisfy any law, regulation, legal process, governmental request, or where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to: (1) enforce or apply our agreements; (2) protect our interests, property, or safety of others; (3) in connection with claims, disputes, or litigation; and (4) to protect our Websites.
