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Important Disclosures. Podium Financing operates as a technology platform facilitating connections between consumers and independent specialty lenders. By submitting this profile, you acknowledge that: (1) Podium is not a consumer reporting agency, lender, or broker; (2) submission of this profile does not constitute a loan application or guarantee of financing; (3) any offer presented through the Podium platform is made by and subject to the underwriting criteria of the issuing lender; (4) you have the right to receive a copy of your credit report if adverse action is taken by a lender; and (5) all lenders in the Podium network are required to comply with applicable federal and state lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA).