Rates & Fees Disclosure

Welcome TO Toplevel Financial

Top Level Financial is a trade name and “doing business as” (DBA) of Sunray Click Co (collectively, the “Company,” “Top Level Financial,” “we,” “us,” or “our”). This Rates & Fees Disclosure (the “Disclosure”) explains, clearly and transparently, how rates, fees, and costs may apply when you use TopLevelFinancial.com (the “Website”) to learn about financing options and submit an inquiry.

This Disclosure is intended for visitors in the United States and Canada and should be read together with our Privacy Policy and Terms & Conditions.

Company Information and Contact

Sunray Click Co d/b/a Top Level Financial
Address: 8567 Coral Way, Suite 453
Miami, FL 33155
Email: info@toplevelfinancial.com

Important Notice: We Do Not Set Lender Rates

Top Level Financial is an educational and information resource and may facilitate inquiry routing. We are not a bank and do not control underwriting decisions. Rates, fees, repayment terms, and approval outcomes are determined by third-party lenders or financing providers and may vary based on factors including, but not limited to:

  • Credit profile and credit history
  • Time in business (for business products)
  • Revenue, cash flow, and bank statement activity
  • Debt-to-income (DTI) and overall obligations
  • Loan-to-value (LTV) and collateral (where applicable)
  • Property type and occupancy (for commercial real estate)
  • Requested amount, term length, and use of funds
  • Market conditions and lender program guidelines
  • Documentation provided and verification results

Important: Always review a lender’s final disclosures, agreements, and fee schedules before accepting any offer.

Website Access Fees (TopLevelFinancial.com)

A) Website Browsing

There is no charge to browse the Website and access general educational content.

B) Optional Paid Services (If Offered)

If Top Level Financial offers a paid service (for example, premium educational resources or a paid review service), the price and terms will be presented clearly at the time of purchase. You will never be charged without an affirmative action to proceed.

Potential Costs You May Encounter With Financing Providers

Depending on the product, you may encounter one or more of the following cost categories from third-party lenders/providers. Not all fees apply to all products.

A) Common Fee Categories (Business and Consumer)

  • Origination fees: charged to originate or process financing
  • Underwriting/processing fees
  • Administrative fees
  • Late payment fees (if a payment is late)
  • Returned payment / NSF fees (if a payment is returned)
  • Prepayment fees (some products may charge fees for early payoff; others do not)
  • Servicing fees (ongoing account servicing, in limited cases)
  • Document fees (for certain products)

B) Interest, Factor Rates, and APR

Depending on product type, costs may be expressed as:

  • Interest rate: common for term loans, lines of credit, and many consumer loans
  • APR (Annual Percentage Rate): includes certain fees and helps compare costs
  • Factor rate: often used in revenue-based financing or merchant cash advance products

Important: A factor rate is different from an interest rate and can result in a different effective annualized cost. Always request a clear cost breakdown and, where available, an APR-equivalent comparison.

C) Business Financing and Working Capital Products

Some business funding products may involve:

  • Daily or weekly payments (instead of monthly)
  • Repayment tied to revenue or receivables
  • Fees embedded in the total payback amount

Note: Cost structures can be complex. Always request a full written disclosure of total repayment and payment schedule before committing.

Commercial Real Estate (CRE) Financing Costs

Commercial real estate financing may include additional costs such as:

  • Appraisal fees
  • Environmental reports (Phase I and/or Phase II)
  • Survey costs
  • Title insurance and escrow fees
  • Legal fees (lender or borrower counsel)
  • Recording fees
  • Property condition reports
  • Inspections
  • Loan assumption or transfer fees (if applicable)

Costs vary by lender, property type, and loan program. Request a full disclosure from the financing provider.

Consumer Financing Costs

Consumer loan products may include:

  • Interest charges based on term and repayment schedule
  • Origination, processing, or administrative fees
  • Late payment or returned payment fees
  • Prepayment penalties (if applicable)

Always review your lender’s disclosures before accepting any financing offer.

No Guarantee of Specific Rates or Fees

Top Level Financial does not guarantee:

  • Any specific rate, fee, term, or financing outcome
  • Approval of your application by any lender
  • That all costs are disclosed in this document

Final terms are determined solely by the third-party lender or financing provider.

Your Responsibility

You are responsible for:

  • Reviewing all lender disclosures
  • Understanding the total cost of financing
  • Asking questions before committing to a loan or financial product

We encourage all users to make informed decisions and consult appropriate professionals if needed.

Updates to This Disclosure

We may update this Disclosure periodically. The “Last Updated” date at the top reflects the most recent revision. Continued use of the Website constitutes acceptance of the updated Rates & Fees Disclosure.

Contact Us

If you have questions regarding this Rates & Fees Disclosure, contact us.