Idea to Loan

Terms, refunds and privacy

Last updated November 9, 2026

Idea to Loan is a service of WielandTech, a DBA of VLAN Technology Services L.L.C., a Michigan limited liability company ("we"). By using this site you agree to these terms. You must be at least 18 to buy a proposal.

What you get

Vetting your idea is free. If it passes, you can pay to have us research the market and write a draft business proposal, generated by AI from your description and public web sources. Your proposal is delivered at a private link on this site. Anyone who has the link can open it, so keep it safe.

What we don't do

We are not a lender or broker, and we don't guarantee that any lender will approve a loan. Proposals are AI-generated drafts, not financial, legal or tax advice. They can contain errors, and all figures are estimates. You are responsible for checking everything before you rely on it or show it to a lender.

Your use of the service

Don't submit anything unlawful, anything you don't have the right to share, or automated requests. You may use your proposal for your own business, including showing it to lenders and investors.

Refunds

• If your proposal fails to generate, you are refunded in full automatically.
• If you are charged twice for the same proposal, the extra payment is refunded automatically.
• If something else went wrong with your proposal, email us within 14 days of purchase and we'll make it right or refund you.

Refunds go back to your original payment method and usually take 5 to 10 business days to appear. Your statement shows the charge as coming from WielandTech.

Limitation of liability

The service is provided "as is", without warranties of any kind, to the extent the law allows. To the extent the law allows, our total liability for any claim is limited to the amount you paid us for the proposal in question, and we are not liable for indirect or consequential losses, including a declined loan or lost business. These terms are governed by the laws of the State of Michigan.

Privacy

We store the idea you submit and the proposal we generate. Your idea is sent to Anthropic, our AI provider, to produce the vetting result and proposal, and search terms based on it go to web search services. Payments are handled by Stripe; we never see your card number. We use your IP address briefly to limit abuse, and Google Analytics to understand site traffic. We don't sell your data. To have your idea and proposal deleted, email us with the link to your job.

Contact

Questions, refunds or deletion requests: support@ideatoloan.com