Terms and Conditions

Last modified: April 13 2026

These Terms and Conditions (“Terms”) govern your access to and use of uncapco.com (the “Website”) and any related inquiries, forms, communications, and services provided by Uncapco Financial, LLC (“Uncapco,” “we,” “us,” or “our”).

By accessing or using the Website, submitting information through the Website, or communicating with us through the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Website.

You must be at least 18 years old to use this Website.

1. Business-Purpose Real Estate Financing Only
Uncapco Financial, LLC provides information and services related to business-purpose real estate financing, including, without limitation, fix-and-flip loans, bridge loans, new construction loans, DSCR rental loans, multifamily loans, mixed-use loans, commercial real estate loans, and other business-purpose real estate loan products, subject to eligibility, underwriting, licensing, and lender or capital-provider requirements.

We do not offer consumer-purpose mortgage loans, owner-occupied residential mortgage loans, or conventional home loans for personal, family, or household use.

Nothing on this Website constitutes:

- a commitment to lend;

- an offer to extend credit on any specific terms;

- a guarantee of approval, rate, loan amount, leverage, or closing; or

- legal, tax, accounting, or investment advice.

All loan products, terms, and approvals are subject to change without notice and depend on borrower qualifications, property qualifications, loan purpose, documentation, underwriting review, lender or capital-provider guidelines, and applicable law.

2. Informational Use Only
The information on this Website is provided for general informational purposes only. Program descriptions, examples, scenarios, and timelines are illustrative only and may not reflect current availability or your actual eligibility.

Submitting an inquiry, requesting information, or communicating with us through the Website does not create:

- a fiduciary relationship;

- a lender-borrower relationship;

- a broker-client relationship; or

- any obligation by us to provide financing.

Any financing relationship is subject to separate documentation, underwriting, and approval.

3. Eligibility
This Website is intended solely for users who are at least 18 years old and are legally able to enter into binding agreements. By using the Website, you represent and warrant that you meet these requirements.

If you use this Website on behalf of a company, partnership, LLC, trust, or other entity, you represent and warrant that you have authority to act on that entity’s behalf and to bind it to these Terms.

4. Changes to These Terms
We may revise these Terms from time to time in our sole discretion. Any changes are effective when posted on this Website. Your continued use of the Website after revised Terms are posted means you accept the updated Terms.

5. Website Access and Security
We may modify, suspend, restrict, or discontinue all or any part of the Website at any time, with or without notice.

If the Website permits account creation or credential-based access now or in the future, you agree to:

- provide accurate, current, and complete information;

- keep login credentials confidential;

- notify us promptly of any unauthorized use or suspected breach; and

- accept responsibility for activity occurring under your account.

6. Permitted and Prohibited Use
You may use the Website only for lawful purposes and only in connection with evaluating or communicating with us about potential financing or related services.

You agree not to:

- use the Website in violation of any law or regulation;

- submit false, misleading, or fraudulent information;

- interfere with the Website’s operation or security;

- access or attempt to access restricted areas without authorization;

- scrape, harvest, copy, monitor, or extract Website content or data by automated means without our written consent;

- introduce malware, viruses, or harmful code;

- impersonate any person or entity or misrepresent your affiliation; or

- use the Website in any manner that could damage, disable, overburden, or impair the Website.

7. Information You Submit
Any information, documents, messages, inquiries, or materials you submit through the Website (“Submissions”) must be truthful, lawful, and not infringe the rights of any third party.

By submitting information to us, you represent and warrant that:

- you have the right to provide the information;

- the information is accurate to the best of your knowledge; and

- your submission does not violate any law, contract, or third-party right.

We may use Submissions as reasonably necessary to review inquiries, communicate with you, evaluate potential financing opportunities, operate the Website, comply with legal obligations, and as otherwise described in our Privacy Policy.

8. Communications Consent
By submitting your contact information through the Website, you consent to receive communications from us regarding your inquiry, relationship with us, or potential financing, including by phone, email, and text message, subject to applicable law.

You understand that message and data rates may apply and that consent to receive calls or texts is not required as a condition of obtaining any goods or services.

If you wish to opt out of marketing communications, you may follow the unsubscribe instructions in the communication or contact us directly.

9. Intellectual Property
The Website and its content, including text, graphics, logos, branding, layouts, software, and other materials, are owned by or licensed to Uncapco Financial, LLC and are protected by applicable intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website for your personal or internal business use in evaluating our services. You may not reproduce, distribute, modify, create derivative works from, republish, publicly display, or commercially exploit any Website content without our prior written consent.

10. Third-Party Links
The Website may contain links to third-party websites, services, or resources. We do not control and are not responsible for third-party content, availability, security, privacy practices, or terms.

Your use of third-party websites or services is at your own risk.

11. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNCAPCO FINANCIAL, LLC DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR AVAILABILITY.

We do not warrant that:

- the Website will be uninterrupted, secure, or error-free;

- defects will be corrected;

- the Website or its servers are free of viruses or harmful components; or

- the Website content is complete, current, or suitable for your specific situation.

12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNCAPCO FINANCIAL, LLC AND ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms limits liability to the extent such limitation is prohibited by applicable law.

13. Indemnification
You agree to defend, indemnify, and hold harmless Uncapco Financial, LLC and its owners, members, managers, officers, employees, contractors, affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

- your use of the Website;

- your violation of these Terms;

- your violation of applicable law; or

- your infringement of any third-party right.

14. Compliance and Availability
Uncapco Financial, LLC operates subject to applicable federal, state, and local laws and regulations, including licensing requirements where applicable. Not all products or services are available in all jurisdictions or for all transaction types.

Nothing on this Website is intended to solicit or offer any product or service in any jurisdiction where such activity would be unlawful or where we are not properly authorized.

15. Termination
We may suspend or terminate your access to the Website at any time, in our sole discretion, with or without notice, if we believe you have violated these Terms, applicable law, or otherwise created risk for us or others.

16. Governing Law and Venue
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law principles.

Any dispute arising out of or relating to these Terms, the Website, or the services described on the Website shall be brought exclusively in the state or federal courts located in New Jersey, and you consent to the personal jurisdiction and venue of those courts.

17. Waiver and Severability
No waiver by Uncapco Financial, LLC of any term or condition in these Terms shall be deemed a further or continuing waiver of that term or condition or a waiver of any other term or condition.

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

18. Referral Partner Program

Uncapco Financial, LLC may, from time to time, offer a Referral Partner Program (the “Program”). The Program is intended solely for lawful lead introductions relating to business-purpose real estate loans through Uncapco.

By participating in the Program, you agree to the following:

18.1 Definitions

For purposes of this Section 18:

(a) “Referral Partner” means a person or entity that submits a prospective borrower referral to Uncapco and participates in the Program subject to these Terms and applicable law.

(b) “Referred Borrower” means a prospective borrower first introduced to Uncapco by a Referral Partner in accordance with these Terms and accepted by Uncapco for tracking purposes.

(c) “Qualifying Loan” means the first loan transaction by or for the benefit of a Referred Borrower that:

(i) closes and funds through Uncapco;

(ii) is primarily for a business, commercial, or investment purpose;

(iii) is secured by real property of a type financed by Uncapco, including, without limitation, non-owner-occupied 1-4 family investment property, multifamily property, mixed-use property, commercial property, construction or development property, or other business-purpose real estate collateral approved by Uncapco; and

(iv) has an original principal loan amount greater than Two Hundred Thousand U.S. Dollars (US $200,000).

18.2 Program Scope; No Consumer-Purpose or Owner-Occupied Loans

The Program applies only to lawful referrals of business-purpose real estate loans through Uncapco.

No referral fee will be paid in connection with any:

(a) consumer-purpose loan;

(b) owner-occupied residential loan;

(c) primary-residence loan;

(d) second-home loan;

(e) loan for personal, family, or household use; or

(f) transaction that otherwise does not qualify under applicable law.

18.3 Limited Referral Activity Only

Unless you are properly licensed and otherwise authorized under applicable law to perform additional mortgage- or lending-related activities in the relevant jurisdiction, your role is limited strictly to making a lead introduction only.

Unless you are properly licensed and authorized, you represent, warrant, and agree that you will not:

(a) negotiate rates, pricing, fees, terms, or conditions with any prospect;

(b) take or assist in taking a loan application;

(c) quote loan terms or provide specific financing advice;

(d) collect or analyze documents for underwriting purposes;

(e) represent yourself as a mortgage loan originator, mortgage broker, lender, or agent of Uncapco; or

(f) engage in any activity that would require a license or registration under applicable law.

18.4 Referral Submission and Attribution

To be eligible for a referral fee, the Referral Partner must submit the referral to Uncapco in the manner required by Uncapco, and the referral must be received by Uncapco before the Referred Borrower:

(a) is already in contact with Uncapco;

(b) is already in Uncapco’s CRM, pipeline, database, or records as an existing client or active prospect;

(c) has already submitted an inquiry or application to Uncapco; or

(d) has already been referred to Uncapco by another party.

If multiple parties claim the same referral, Uncapco will determine, in its reasonable discretion, which party, if any, is the valid referring party based on its records, including the timing and completeness of the referral submission. Uncapco’s records will control absent manifest error.

18.5 One-Time Referral Fee; First Loan Only

Subject to these Terms and applicable law, a Referral Partner is eligible to receive a one-time referral fee of Eight Hundred U.S. Dollars (US $800) only if the Referred Borrower closes and funds a Qualifying Loan through Uncapco.

The referral fee is earned only with respect to the Referred Borrower’s first Qualifying Loan through Uncapco.

No referral fee will be owed or paid for:

(a) any subsequent loan, repeat loan, refinance, renewal, extension, modification, or future transaction involving the same Referred Borrower;

(b) any loan involving an affiliate, related entity, common-control entity, principal, member, manager, owner, guarantor, sponsor, or other related party of the Referred Borrower after the first Qualifying Loan;

(c) any additional property acquired or financed by the Referred Borrower after the first Qualifying Loan; or

(d) any transaction that does not meet all requirements of these Terms.

18.6 Conditions to Payment

A referral fee is payable only if all of the following conditions are satisfied:

(a) the referral was validly submitted and accepted for Program tracking by Uncapco;

(b) the loan is a Qualifying Loan;

(c) the Qualifying Loan closes and funds;

(d) the transaction is not withdrawn, denied, cancelled, rescinded, unwound, or determined by Uncapco to involve fraud, misrepresentation, or unlawful conduct;

(e) the Referral Partner has complied with these Terms and applicable law; and

(f) the Referral Partner has provided any tax forms, payment instructions, certifications, or other compliance documentation reasonably requested by Uncapco, including a completed IRS Form W-9 if requested.

18.7 Payment Timing

Unless otherwise agreed in writing, any earned referral fee will be paid within seven (7) business days after:

(a) the Qualifying Loan has closed and funded; and

(b) Uncapco has received all required tax, payment, and compliance documentation from the Referral Partner.

18.8 Exclusions and Disqualification

No referral fee will be paid for, and Uncapco may deny or withhold payment in connection with:

(a) self-referrals;

(b) sham, fake, misleading, incomplete, or fraudulent referrals;

(c) referrals submitted through spam or unlawful marketing practices;

(d) referrals made in violation of licensing, advertising, privacy, telemarketing, anti-spam, or other applicable laws;

(e) referrals involving employees, contractors, affiliates, or agents of Uncapco, unless expressly approved by Uncapco in writing;

(f) transactions where payment of the fee would, in Uncapco’s judgment, violate applicable law or create regulatory risk; or

(g) any breach of these Terms.

If Uncapco pays a referral fee in error, or later determines that the referral fee was not owed, the Referral Partner agrees to promptly repay the amount upon demand.

18.9 No Guarantee

Submission of a referral does not guarantee:

(a) that the referral will be accepted;

(b) that the prospect will apply;

(c) that any loan will be approved, close, or fund; or

(d) that any referral fee will be earned.

All underwriting, pricing, approval, documentation, and funding decisions remain in Uncapco’s sole discretion, subject to applicable law.

18.10 Marketing; Use of Name

A Referral Partner may not use Uncapco’s name, logo, trademarks, marketing materials, or hold itself out as acting on behalf of Uncapco without Uncapco’s prior written consent.

Any statements a Referral Partner makes about Uncapco or its loan products must be truthful, not misleading, and consistent with information approved by Uncapco.

18.11 Taxes

Referral Partners are solely responsible for their own taxes, reporting obligations, and compliance arising from any payment received under the Program.

18.12 Modification, Suspension, or Termination of Program

Uncapco may modify, suspend, or terminate the Program at any time, in whole or in part, in its sole discretion, effective upon posting updated Terms or other notice on the Website.

Any modification, suspension, or termination will apply prospectively only and will not eliminate a referral fee that was fully earned before the effective date of the applicable change.

18.13 Separate Written Agreements

Any separately negotiated broker-to-broker fee split, co-brokerage, or other compensation arrangement must be set forth in a separate written agreement signed by Uncapco and the applicable party. Unless expressly stated in such separate written agreement, those arrangements are not part of this Program and are not governed by this Section 18.

19. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Uncapco Financial, LLC regarding the Website and supersede all prior and contemporaneous understandings relating to the Website.

20. Regulatory Disclosures

Uncapco Financial, LLC is committed to fair and lawful lending practices. We do not discriminate against credit applicants on any basis prohibited by applicable law. All loans are subject to credit approval, property qualification, underwriting review, and applicable legal and licensing requirements.

21. Contact
If you have questions about these Terms, contact:

Uncapco Financial, LLC

Email: [email protected]