Regulatory Compliance

Operating at the intersection of commercial technology and finance requires extreme vigilance. Strata Capital Partners architects its routing, data transmission, and capital evaluation pipelines to strictly adhere to evolving federal and state compliance measures.

FCC One-to-One Consent Rules

In alignment with the FCC's aggressive amendment to the Telephone Consumer Protection Act (TCPA, effective January 2025), Strata Capital Partners strictly enforces individual, specific, named consent.

We completely bypass lead-aggregators, broker syndication circuits, and generic marketing networks. Our data architectures ensure that an enterprise applicant explicitly grants consent to be contacted by one designated commercial lender only, closing the "lead generator loophole" entirely and preventing unauthorized spam networks from acquiring business data.

Florida FCFDL (SB 1624) Alignment

Strata Capital Partners operates in strict compliance with the Florida Commercial Financing Disclosure Law (SB 1624). We act as an institutional lead matchmaking platform and do absolutely zero direct lending functions.

In accordance with Florida state regulations, we do not assess, collect, or solicit advance fees from businesses prior to the legal execution of a commercial financing transaction. The data evaluated during underwriting is restricted exclusively for B2B commercial entities operating above required revenue minimums.

FTC Part 464 Transparent Fee Structuring

We firmly believe that enterprise capital models require absolute transparency. Because we operate independently of the lender, the underwriters we architect alongside are held to stringent FTC Part 464 regulations.

This implies that every factor rate, origin fee, ACH withholding parameter, and estimated Annual Percentage Rate (APR) equivalent is officially disclosed in documented writing during the negotiation and contracting phases. There are zero obscured or silent costs within our ecosystem.