Disclosures

Company Information

Perennial Tontine LLC is a private trade finance company registered in the State of New York. We provide working capital, purchase order financing, invoice factoring, and related trade finance services to U.S.-based businesses.

Not a Bank

Perennial Tontine LLC is not a bank, credit union, or depository institution. We do not accept deposits, issue credit cards, or offer consumer lending products. Our services are limited to commercial trade finance and business-to-business transactions.

No Guarantee of Financing

Information on this website, including descriptions of our products and services, is provided for informational purposes only and does not constitute a commitment to lend or provide financing. All financing decisions are subject to our credit approval process, due diligence, and the execution of definitive legal documentation.

Rates, terms, and approval timelines referenced on our website are estimates and may vary based on transaction-specific factors including, but not limited to, the creditworthiness of the parties involved, transaction size, and industry conditions.

Risk Factors

Trade finance and commercial lending involve inherent risks. Businesses seeking financing should carefully evaluate their ability to meet repayment obligations before entering into any financing arrangement. Perennial encourages all prospective clients to consult with their own legal, financial, and tax advisors before applying for financing.

Third-Party Relationships

In the course of providing our services, Perennial may work with third-party service providers, banking partners, credit bureaus, and insurance providers. These relationships are maintained to support our operations and serve our clients. Perennial is not responsible for the products, services, or practices of third-party partners.

Regulatory Compliance

Perennial Tontine LLC complies with all applicable federal and state laws and regulations, including anti-money laundering (AML) requirements, know-your-customer (KYC) standards, and the Bank Secrecy Act (BSA). We are committed to maintaining the highest standards of compliance and ethical business conduct.

Equal Opportunity

Perennial is an equal opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other protected characteristic in the provision of our financial services.