Last updated: May 4, 2026
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Coalesce Medical Services (“Company,” “we,” “us,” or “our”) governing your access to and use of our website at coalesce-medical-services.com and any related services.
By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use our website or services.
Coalesce Medical Services is a direct business lender providing financial products and services including, but not limited to:
All funding products are subject to credit approval and underwriting criteria. Submission of an application does not guarantee approval or funding.
To use our services, you must:
When using our website and services, you agree to:
Information provided on our website is for general informational purposes only and does not constitute financial advice. All funding products are subject to our underwriting criteria, credit review, and approval process. Terms, rates, and conditions may vary based on the applicant’s qualifications and business profile.
We recommend that you consult with a qualified financial advisor before making any financial decisions related to business funding.
Important: This section governs your participation in the Coalesce Medical Services SMS messaging program.
By opting in to receive SMS or text messages from Coalesce Medical Services, you agree to the following terms:
Consent: You expressly consent to receive recurring marketing and promotional SMS/MMS messages from Coalesce Medical Services, including offers, updates, and information about our financial products and services. Messages may be sent using an automated telephone dialing system (ATDS). Consent is NOT a condition of purchase or receiving any services from us.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Costs: Message and data rates may apply. You are responsible for any charges from your wireless carrier related to receiving SMS/MMS messages.
Opt-Out: You may opt out of SMS messaging at any time by replying STOP to any message. After opting out, you will receive a single confirmation message. No further messages will be sent unless you re-subscribe.
Help: For assistance, reply HELP to any message or contact us at kathryn@coalesce-medical-services.com.
Supported Carriers: Our SMS program is supported by most major wireless carriers in the United States. Carrier coverage and delivery may vary.
Privacy: Your privacy is important to us. Please review our Privacy Policy for information on how we handle your data, including SMS opt-in information.
All content on our website, including text, graphics, logos, images, and software, is the property of Coalesce Medical Services or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content from our website without our prior written consent.
To the maximum extent permitted by applicable law, Coalesce Medical Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
You agree to defend, indemnify, and hold harmless Coalesce Medical Services and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt 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 Tennessee, without regard to its conflict of law provisions. Any legal action arising out of or related to these Terms shall be brought exclusively in the courts located in Putnam County, Tennessee.
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.
We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. Your continued use of our website after such changes constitutes your acceptance of the new Terms.
If you have questions about these Terms and Conditions, please contact us:
Coalesce Medical Services
1016 Fawn Dr, Cookeville, TN 38501
Email: kathryn@coalesce-medical-services.com