Viola Panther Net 30 Application

Name of Applicant *

First NameLast Name

Business Phone Number*

E-mail*

example@example.com

Legal Business Name*

Business Website

Business Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code

EIN (Employer Identification Number) *

DUNS Number

Organization Type: (LLC, Sole Proprietorship, Corporation, etc.) *

DOB (Date of Birth)*

Viola Panther Net 30 Account – Final Disclosure & Consent Section

Credit Reporting Disclosure
As of the date of this agreement, Viola Panther is not reporting payment activity to commercial credit bureaus.

Reporting to commercial credit bureaus may be enabled in the future once minimum reporting thresholds are met and reporting services are active. If and when reporting is enabled, Viola Panther may report eligible payment history (positive and adverse) to third-party data furnishers, who may share such information with commercial credit bureaus including, but not limited to, Dun & Bradstreet and Experian Business.
Any potential impact on a business credit profile is dependent on reporting being active, bureau acceptance, account eligibility, and compliance with applicable reporting standards. Credit bureau reporting is not guaranteed.

Credit-Readiness Support (Pre-Reporting)
Until reporting is enabled, Viola Panther may provide the following upon request to support credit-readiness and lender verification:

Payment history letters
Account ledger documentation
Trade references

These materials do not constitute credit bureau reporting.

Interest Rates and Fees

Annual Account Fee: $99 (non-refundable)
Late Payment Charges: Default APR or $35, whichever is greater
Minimum Finance Charge: $35
Returned Payment Fee: $35 per returned or rejected payment
Balance Computation Method: Daily balance method, including new purchases

Default APR Schedule
The Default APR applies if you violate the terms of this agreement, including missing a payment, having a payment returned, or failing to pay the full balance by the due date:

1–30 days late: 7%
31–60 days late: 8%
61–180 days late: 9%
181+ days late: 10%

Dispute Resolution
Viola Panther is committed to ethical and transparent business practices. Any dispute arising from this agreement shall first be addressed through good-faith negotiation. If unresolved, disputes shall be resolved through binding mediation or arbitration, as outlined in the full Dispute Resolution Policy, governed by the laws of the State of Mississippi, prior to the initiation of litigation. See here for full dispute resolution terms.

Refund Policy
All Net 30 program sales are final. No refunds are offered. Merchandise credit may be issued in limited circumstances, subject to approval, as described in the full Refund Policy.

Terms & Conditions of Offer
This offer is available to new Viola Panther Net 30 accounts only. Applicants must:

Be at least 18 years of age
Represent a legitimate business operating in the United States or its territories
Provide accurate, complete, and verifiable information

Viola Panther is the issuer of the Net 30 Business Account and is headquartered in Olive Branch, Mississippi.

Identity Verification & Compliance
To comply with applicable federal and state regulations (including KYC and AML requirements), Viola Panther may request:

Business legal name, physical address, and EIN
Authorized officer’s name, residential address, and date of birth
Supporting documentation, which may include a government-issued ID, business license, utility bill, EIN issuance letter (CP 575), or formation documents

Information Collection & Credit Review Authorization
By submitting this application, you authorize Viola Panther to:

Collect and verify business and officer information through third-party service providers
When eligible, review business credit information through commercial credit bureaus such as Dun & Bradstreet and Experian
Contact you regarding application status, account servicing, or future eligibility for credit reporting

This application does not impact personal credit unless a personal guarantee is required and expressly agreed to.

Credit Limit Determination
If approved, your Net 30 credit limit will be determined based on:

Business credit information
Application data
Payment performance
Any additional documentation requested

Information Sharing & Credit Reporting Consent
By applying, you consent to Viola Panther, when eligible, sharing necessary account information with trusted third-party service providers and reporting payment activity to commercial credit bureaus, in accordance with applicable laws and bureau requirements.

Personal Credit Disclosure
This is a commercial credit account. Personal credit reports will not be accessed or impacted unless a personal guarantee is required and authorized.

Marketing & Communications (Optional)

Sign me up to receive Viola Panther’s email-only promotions and early access offers

Please read Viola Panther’s Privacy Policy and Net 30 Terms & Conditions

Applicant Certification & Consent (Required)Type a question*

I agree to Viola Panther’s Privacy Policy and Net 30 Terms & ConditionsI certify that I am the Authorized Officer of the business applyingI am a 75% or more owner of the company applying or greater owner, or have full legal signing authorityI affirm that all submitted information is truthful and accurateI consent to receive communications about my application and account via email, SMS, or phone(When eligible) I understand approval is based on commercial credit data, and collection services may be handled by a third-party institutionI acknowledge that this application does not involve a hard credit pull and will not affect my personal credit score

Please check all boxes to continue