Compliance
Commercial Finance Partnership operates as a regulated private lender. Here is the framework our controls follow — and what we are not.
Program
Three pillars
Our compliance program condenses to identity, disclosure, and safeguarding — each mapped to specific federal requirements.
Identity & sanctions (BSA / OFAC)
KYC/KYB verification on every member, business-registry and EIN matching, and OFAC sanctions screening on members, groups, and counterparties.
Fair, clear disclosure
Every financing offer carries a plain-language cost-of-credit summary — APR, all fees, and total repayment — presented before acceptance.
Funds safeguarding
Client money is held at FDIC-insured partner banks in segregated for-benefit-of accounts, never commingled with company funds.
Federal frameworks
Agencies our controls are aligned with
Reference emblems below are original, stylised marks — not official government seals — and do not imply endorsement.
SBA
U.S. Small Business AdministrationIndependent agency of the U.S. government
Sets size standards and lending guidelines for U.S. small businesses. Commercial Finance Partnership uses SBA size standards to confirm applicant eligibility.
Our alignment: Eligibility screening follows SBA small-business size standards (NAICS-based revenue and headcount thresholds).
Visit SBACFPB
Consumer Financial Protection BureauIndependent bureau within the Federal Reserve System
Enforces federal consumer-finance law, including fair-lending and disclosure rules that inform how we present pricing.
Our alignment: All financing offers include a plain-language cost-of-credit summary (APR, fees, total repayment) before acceptance.
Visit CFPBFinCEN
Financial Crimes Enforcement NetworkBureau of the U.S. Department of the Treasury
Administers the Bank Secrecy Act. Our onboarding runs identity verification and sanctions screening on every member.
Our alignment: KYC/KYB identity checks, OFAC sanctions screening, and suspicious-activity monitoring on all accounts and disbursements.
Visit FinCENFDIC
Federal Deposit Insurance CorporationIndependent agency created by the U.S. Congress
Insures deposits at member banks. Platform balances are held at FDIC-insured partner banks in for-benefit-of accounts.
Our alignment: Client funds are custodied at FDIC-insured partner institutions, segregated from Commercial Finance Partnership operating accounts.
Visit FDICIRS
Internal Revenue ServiceBureau of the U.S. Department of the Treasury
Issues Employer Identification Numbers and tax documentation standards used to validate business identity.
Our alignment: EIN / TIN matching during verification and issuance of applicable year-end tax forms to borrowers and lenders.
Visit IRSTreasury
U.S. Department of the TreasuryExecutive department of the U.S. federal government
Sets AML/CFT policy and administers OFAC. Cross-border activity is screened against Treasury sanctions programs.
Our alignment: Automated OFAC list screening on members, groups, and counterparties, refreshed on every material profile change.
Visit TreasuryDocuments
Policies & requests
- Request at compliance@cfpartnership.com
Consumer & small-business disclosure policy
How we present cost of credit
- Request at compliance@cfpartnership.com
BSA / AML program summary
Identity verification and monitoring
- Request at compliance@cfpartnership.com
Complaints handling procedure
How to raise and escalate a complaint
- Request at compliance@cfpartnership.com
Data protection & retention policy
What we keep and for how long
State licensing disclosures are available on request and vary by jurisdiction. Commercial Finance Partnership lends where it holds the required authorisation or partners with a licensed institution.