Last Updated: February 23, 2026
These Terms and Conditions ("Terms") govern your use of the Amtop Innovations website at amtopinnovations.com and any services provided by Amtop Innovations ("Company," "we," "us," or "our"). By accessing our website or using our services, you agree to be bound by these Terms.
Our direct business lending services are available to businesses operating within the United States. To apply for funding, your business must be at least 6 months old and demonstrate consistent revenue. Individual applicants must be at least 18 years of age and authorized to act on behalf of the business.
Amtop Innovations provides direct business funding solutions, including but not limited to working capital loans, revenue-based financing, equipment financing, and expansion capital. All funding products are subject to application review, underwriting approval, and applicable terms specific to each product.
Submitting an application through our website or contact form does not guarantee funding approval. All applications are subject to our underwriting criteria. We reserve the right to request additional documentation, decline any application, or modify the terms of any offer at our sole discretion.
By opting in to receive SMS or text messages from Amtop Innovations, you agree to the following terms:
Consent to Automated Messages: You expressly consent to receive text messages from Amtop Innovations, including messages sent through an automatic telephone dialing system (ATDS) or other automated messaging technology. These messages may include information about your funding application, account updates, payment reminders, and promotional offers related to our business lending services.
Message Frequency: Message frequency may vary based on your account activity, application status, and interactions with Amtop Innovations.
Costs & Charges: Message and data rates may apply depending on your wireless carrier and plan. Amtop Innovations is not responsible for any charges incurred from your wireless provider.
Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message received from Amtop Innovations. Upon opting out, you will receive a single confirmation message and no further SMS communications will be sent unless you choose to re-subscribe.
Help: For questions or assistance regarding our SMS communications, reply HELP to any message or email us at info@amtopinnovations.com.
No Purchase Required: Consent to receive text messages sent via an automatic telephone dialing system (ATDS) is NOT a condition of purchasing any goods, services, or funding products from Amtop Innovations. You may decline SMS communications and still access our lending services through other communication channels such as email or phone.
Privacy of Mobile Information: Your phone number and SMS data will not be sold, rented, or shared with third parties for their promotional purposes. For more details on how we handle your data, please refer to our Privacy Policy.
You agree to use our website for lawful purposes only. You may not use our website to transmit harmful, fraudulent, or misleading content. We reserve the right to restrict or terminate access to any user who violates these Terms.
All content on this website, including text, graphics, logos, images, and software, is the property of Amtop Innovations and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
To the fullest extent permitted by law, Amtop Innovations shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our website or services. Our total liability shall not exceed the amount of fees paid by you in the twelve months preceding the claim.
You agree to indemnify and hold harmless Amtop Innovations, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, or expenses arising from your use of our website or services, or your violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of our website and services constitutes acceptance of the revised Terms.
For questions regarding these Terms and Conditions, please contact us at:
Amtop Innovations
Email: info@amtopinnovations.com