Legal
Disclosures
How we get paid, how costs are presented, and what a funding request is.
What Foody Finance is
Foody Finance is a food service consultancy. We are not a lender, a bank, or a funding source. We review your funding request, connect you with the funding sources that fit your situation, and present the options that match the use of funds you described.
How we are compensated
Funding partners compensate us after you receive your funds. You pay us nothing. You are told the total cost, the payment, and the term of any offer in writing before you commit.
Affiliate and referral relationships
We hold referral and broker agreements with the funding sources we present. When a funding source we introduced you to funds your request, that funding source pays us a commission. Commission amounts vary by program and by funding source, so a program that pays us more is never presented as a better fit than one that pays us less. You are shown every option that fits your request, including options that pay us nothing.
Related businesses
Eat Swiftly, our payment processing service, and TactStack, our website development service, share common ownership with Foody Finance through JayBen, LLC. We earn revenue from those services directly. They are never a condition of a funding introduction, and declining them changes nothing about the funding options you are shown.
Outbound links
Links to lender sites, government resources, and industry data are provided for reference. We do not earn a commission on a click, and a link is not an endorsement of everything on the destination site.
Cost presentation
Some programs are priced with an interest rate and others with a factor rate. Where a factor rate applies, we present the total dollars repaid so you can compare options on the same basis.
Credit inquiries
Submitting a funding request does not require a hard credit pull. A specific lender discloses its requirements and obtains authorization before pulling credit.
No guarantee
Nothing on this site is an offer of credit or a guarantee of approval, amount, term, or rate. Program availability can vary by state and by funding source.
AI assistance on calls and chat
Calls and live chat may be answered by Fanny, an AI assistant, when a specialist is not available. Fanny identifies herself as AI at the start of every interaction. She answers general questions, collects the basics of your request, books time with a human specialist, and hands off the moment you ask for a person. No AI approves, declines, prices, or underwrites anything, and no AI can authorize a credit pull. A human reviews every request before it reaches a funding source. Our full AI usage disclosure covers this in detail.
What information we collect and why
We collect what you give us: business name, business type, state, time in business, revenue band, amount requested, use of funds, your name, email, phone, and any notes you add, plus text message consent if you grant it. We use it to match programs to your situation, to reach you about your request, and to introduce you to funding sources you approve. We do not sell your information, and we do not share your mobile number or text message consent with anyone for their own marketing.
How long we keep it
Request records, call and chat transcripts, and recordings are kept while your request is open and for up to 24 months after our last contact, then deleted or de-identified on a routine cycle. Records tied to a funded transaction are kept as long as our recordkeeping obligations require.
Requesting deletion or a correction
Email funding@foodyfinance.com with the subject line DELETE MY DATA or CORRECT MY DATA, or call (833) 505-1900 and ask for a human specialist. Include the phone number, email address, or business name on the record, and tell us whether you want full deletion, removal of recordings and transcripts only, or a specific correction. We confirm receipt within 10 business days and complete the request within 45 days, and we tell you if anything must be retained for a legal obligation. Requests are free, and making one never changes the options you are shown. Deleting your record does not automatically withdraw information a funding source already received directly from you, so contact that funding source as well.
Imagery and maps
Photographic images on this site are generated with AI for illustration. They are not photographs of Foody Finance clients, staff, or locations, and they do not depict any specific business. State flags shown on location pages are renders from Wikimedia Commons, all in the public domain, and each page links to the source file. State and metro outline maps are simplified from US Census Bureau cartographic boundary files, which are in the public domain. Maps are for display only and are not survey accurate. Displaying a state flag does not imply endorsement by any state or government body.
Service area
Foody Finance operates remotely and serves food service businesses throughout the United States. There is no branch network and no walk-in location.
Foody Finance is a brand of JayBen, LLC.
Questions: funding@foodyfinance.com, (833) 505-1900. Service area: United States.
Request deletion or a correction
Use this form to have your record deleted, corrected, or sent to you. A human handles every request.