Document:

EX-10.70

 Exhibit 10.70 

PARENT GUARANTY 

THIS PARENT GUARANTY is made as of July 15, 2015, by RISE CREDIT, LLC and ELEVATE CREDIT, INC. (hereinafter collectively referred
to as “Guarantors”), to and for the benefit of NCP FINANCE OHIO, LLC, an Ohio limited liability company (hereinafter referred to as “Lender”). 

RECITALS 

WHEREAS, RISE CREDIT SERVICE OF OHIO, LLC (“CSO”), an affiliate of Guarantors, has, on even date
herewith, entered into a Credit Services Agreement (as such agreement may be amended from time to time, the “Services Agreement”) with Lender. To induce Lender to enter into the Services Agreement, Guarantors have agreed to guaranty
the obligations of CSO under the Services Agreement, as further described herein. 
 NOW, THEREFORE, in consideration of the premises
recited above and of other good and valuable consideration, the receipt and sufficiency of all of which are hereby acknowledged by Guarantors; and for the purpose of inducing Lender to enter into the Services Agreement; and as long as CSO or its
successors or assigns continues to be obligated to Lender in any manner whatsoever pursuant to the Services Agreement, Guarantors 
 1.
Unconditionally and absolutely guarantee: (a) the due and punctual payment of all amounts due and payable from CSO to Lender under the Services Agreement and the Guaranty from the CSO in favor of Lender (the “Guaranty”),
including, but not limited to, all guaranty payment obligations, settlement payment obligations (as applicable) and indemnification payment obligations of CSO; and (b) the due and punctual performance and observance by CSO of all other
obligations, warranties, covenants, and duties of CSO set forth in the Services Agreement or the Guaranty (all of which amounts payable and the terms, warranties, agreements, covenants and conditions, as the same may vary or be modified from time to
time, being herein called the “Obligations”); and to this end, Guarantors covenant and agree to take all commercially reasonable actions necessary to enable CSO to observe and perform and to refrain in a commercially reasonable
manner from taking any action which would prevent CSO from observing and performing each and every such Obligation. 
 2. Agree that this
Guaranty shall be a continuing guaranty, shall be binding upon Guarantors, and upon their successors and assigns, and shall remain in full force and effect, and shall not be discharged, impaired or affected by (a) the existence or continuance
of any of the Obligations; (b) the existence or continuance of CSO as a legal entity; (c) any waiver, indulgence, alteration, substitution, exchange, change in, modification or other disposition of any of the Obligations, all of which CSO
is hereby expressly authorized to make from time to time without notice to Guarantors; (d) the acceptance by Lender of any security for, or other guarantors upon, all or any part of the Obligations; or (e) any assignment or purported
assignment of the Services Agreement or any or all of CSO’s obligations under the Services Agreement or the Guaranty. Guarantors shall have the right to assert as a defense to its performance under this Guaranty any legal defense that CSO may
assert as to the Obligations 

 
other than the invalidation of any Obligation or any document or agreement evidencing the Obligations or any of them under a theory of public policy, which defense Guarantor hereby expressly
waives. 
 3. Agree that Guarantors shall be held jointly and severally liable hereunder and Lender shall have the right to enforce this
Guaranty against Guarantors for and to the full amount of the Obligations, with or without enforcing or attempting to enforce this Guaranty against any other guarantor, without any obligation on the part of Lender, or anyone, at any time, to resort
to any collateral, security, property, liens or other rights or remedies whatsoever, and whether or not other proceedings or steps are pending or have been taken or have been concluded to enforce or otherwise realize upon the obligations,
properties, estates or security of CSO or any other guarantor; and the payment of any amount or amounts by Guarantors, pursuant to their obligations hereunder, shall not entitle Guarantors, either at law or otherwise, to any right, title or interest
(whether by way of subrogation or otherwise) in and to any of the Obligations, unless and until the full amount of the Obligations has been fully paid, all other Obligations have been fully performed and observed in accordance with their terms and
the Services Agreement has been terminated. 
 4. Waive diligence, presentment, protest, notice of dishonor, demand for payment, extension
of time of payment, notice of acceptance of this Guaranty, nonpayment at maturity and indulgences and notices of every kind, and consent to any and all forbearance and extensions of the time of payment of the Obligations, and further consent to any
and all changes in the terms, covenants and conditions thereof hereafter made or granted; it being the intention that Guarantors shall remain liable under this Guaranty until the Obligations shall have been fully repaid to Lender and the terms,
covenants and conditions thereof shall have been fully performed and observed by CSO, notwithstanding any act, omission or thing which might otherwise operate as a legal or equitable discharge of Guarantors. 

5. Represent that Guarantors have determined that the making of this Guaranty reasonably may be expected to benefit, directly and indirectly,
Guarantors. 
 6. Agree that this Guaranty shall inure to the benefit of and may be enforced by Lender and its successors and assigns. 

7. Governing Law and Jurisdiction. This Agreement shall be construed and performed in accordance with the laws of the State of Ohio,
without reference to Ohio choice of law or conflicts of law. All parties agree that any arbitration or litigation related to this Agreement or any dispute between the parties will be conducted in Montgomery County, Ohio, unless the parties mutually
agree on another location. Each party consents to subject matter jurisdiction, personal jurisdiction and venue in Montgomery County, Ohio. 

8. Arbitration. Any controversy or claim arising out of or relating to this Agreement, or the breach thereof, shall be settled by
binding arbitration administered by the American Arbitration Association (the “AAA”) under its Commercial Arbitration Rules, and any temporary or final judgment or award rendered by the arbitrator(s) may be entered in any state or federal
court in Montgomery County, Ohio. All parties expressly waive their right to a jury trial for any such claim. 

  
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 9. Injunctive and Other Relief. This agreement to arbitrate includes claims for injunctive
relief, and the parties agree that the AAA has the jurisdiction and authority to grant temporary or preliminary injunctive relief pursuant to Rule 38 of the AAA Commercial Arbitration Rules, but also subject to Rule 65(A) and (B) of the Ohio
Rules of Civil Procedure. 
 The parties agree that the arbitrator(s) shall not have the power to award punitive or exemplary damages for any claim or
controversy. 
 10. Fees and Expenses. The parties agree that the AAA Commercial Arbitration Rules govern the award of attorney fees
and expenses, and hereby expressly permit the AAA arbitrator or panel to award reasonable and necessary attorney fees and expenses in their discretion to the prevailing party in their discretion. 

11. Confidentiality. At the request of either party, the arbitration proceedings and any award or judgment will be conducted in the
utmost confidentiality; in such case all documents, testimony and records shall be received, heard and maintained by the arbitrator or panel in confidence, available for inspection only by the parties and their respective attorneys and experts, who
agree to maintain such information in confidence. 
 12. Joinder. Where applicable, all disputes hereunder shall be joined in or
consolidated with the related proceeding(s), if any, among Lender, CSO, Guarantor and any affiliated entities. 
 [SIGNATURE PAGE TO
FOLLOW.] 

  
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 Guarantor has executed this instrument as of the day and year first written above. 

 

			
	 GUARANTORS:

	
	 RISE CREDIT, LLC

		
	 By:
	 	 /s/ Jason Harvison

	 Its:
	 	 COO

	
	 ELEVATE CREDIT, INC.

		
	 By:
	 	 /s/ Jason Harvison

	 Its:
	 	 COO

  

			
	ACCEPTED:
	
	NCP FINANCE OHIO, LLC
		
	By:	 	 /s/ Stephen McAllister

	Its:	 	CEO

  
 4EX-10.71

 Exhibit 10.71 

AMENDMENT TO GUARANTY 

THIS AMENDMENT TO GUARANTY (the “Amendment”) is entered into as of October 15, 2015, by RISE CREDIT SERVICE OF OHIO,
LLC (hereinafter referred to as “CSO”), to and for the benefit of NCP FINANCE OHIO, LLC (hereinafter referred to as “Lender”), under the following circumstances: 

A. CSO and Lender are parties to a Guaranty dated as of July 15, 2015 (the “Original Guaranty”). 

B. Lender and CSO have not yet commenced lending. 

C. During the course of development of the products to be offered to Customers, the parties have determined the Customers will
not be obligated to pay late fees or NSF fees. 
 NOW, THEREFORE, in consideration of the mutual promises contained herein, the
parties hereto agree as follows: 
 1. Section 1 of the Original Guaranty is hereby deleted and replaced with the following: 

1. Guaranty. Pursuant to each credit services contract between CSO and each borrower with respect to loans offered by
Lender under Lender’s Ohio lending program (each a “Loan”), and regardless of whether the credit services contract is cancelled, CSO agrees to, and hereby does, unconditionally guaranty, on behalf of the borrower, and for the benefit
of Lender, the prompt payment of all amounts due under each Loan to Lender, including all principal and interest but excluding accrued fees (the “Loan Guaranty Amount”). 

2. Except as modified by this Amendment, the Original Guaranty is hereby ratified and confirmed in all respects. 

3. This Amendment shall be governed by the laws of the State of Ohio. 

4. This Amendment may be executed in one or more counterparts, each of which shall be deemed an original but all of which together shall
constitute one in the same instrument. 
 [SIGNATURE PAGE TO FOLLOW.] 

  
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 IN WITNESS WHEREOF, the parties have executed this Amendment as of the day and year first
written above. 
  

			
	 CSO:
  

RISE CREDIT SERVICE OF OHIO, LLC

		
	By:	 	 /s/ Kenneth E. Rees

	Printed Name: Kenneth E. Rees
	Title: CEO

 AGREED AND ACCEPTED: 
  

			
	NCP FINANCE OHIO, LLC
		
	By:	 	 /s/ Stephen McAllister

	Printed Name: Stephen McAllister
	Title: CEO

  
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