Terms of Service

1. Who we are

These Terms of Service govern your use of the website and services provided by Ridgewell Commercial Capital Group LLC, operating under the trade name Ridgewell CRE ("Ridgewell", "we", "us", or "our"). By accessing or using our website, submitting an intake, or engaging our services, you agree to these Terms.

2. We are not a direct lender

Ridgewell is a commercial finance intermediary and capital advisory firm. We are not a direct lender. We do not originate loans, do not underwrite credit decisions on our own balance sheet, and do not fund or disburse capital from our own wholesale lines. All capital is provided by third-party lenders, banks, credit funds, and private capital partners within our network. Ridgewell's role is to advise, package, and route qualified deals to appropriate capital sources.

Any indicative terms, quotes, or timelines communicated by Ridgewell reflect general market conditions or informal feedback from capital partners and are not commitments to lend. Only the funding lender can issue a binding commitment through its own term sheet and loan documents.

3. Business-purpose lending only

Ridgewell exclusively supports business-purpose and commercial real estate financing. We do not originate, broker, arrange, negotiate, or otherwise touch consumer-purpose loans, owner-occupied residential mortgages, home equity loans, or any credit product covered by the Truth in Lending Act (Regulation Z), the Real Estate Settlement Procedures Act (RESPA), or the SAFE Act as a consumer transaction. If your intended use of funds is personal, family, or household, we cannot help you and will not accept your engagement.

4. Our services

Subject to these Terms, Ridgewell may provide: an initial advisory call and live review of your scenario; packaging of your deal for presentation to capital partners; introductions to lenders, funds, or wholesale capital channels within our network; and coordination through closing. Any engagement fee, success fee, or basis-point compensation will be disclosed in writing as a line item before we transact.

5. No offer, no guarantee

Nothing on this website or in any Ridgewell communication constitutes an offer or commitment to lend, an offer to sell securities, tax advice, legal advice, or investment advice. All financing is subject to lender underwriting, appraisal, title, third-party reports, and market conditions. Approval, pricing, leverage, and closing timelines are determined by the funding lender in its sole discretion.

6. Your information

You agree that information you submit through our intake or share on advisory calls is accurate to the best of your knowledge and that you are authorized to share it. We may share your submitted information with capital partners for the purpose of evaluating and placing your deal. See our Privacy Policy for how we handle personal information.

7. Acceptable use

You will not use the site or our services to submit fraudulent, misleading, or unlawful information; to seek consumer credit; to circumvent security controls; or to interfere with the operation of the site. We may decline or terminate any engagement at our discretion.

8. Intellectual property

The Ridgewell name, logo, website content, and materials are the property of Ridgewell Commercial Capital Group LLCand are protected by applicable law. You may not copy, redistribute, or use them without our written permission.

9. Disclaimers & limitation of liability

The website and our services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Ridgewell disclaims all warranties, express or implied. Ridgewell will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or opportunity, arising out of or related to your use of the site or our services. Our aggregate liability for any direct damages will not exceed the fees actually paid by you to Ridgewell in the twelve months preceding the claim.

10. Compliance

Ridgewell operates in compliance with applicable federal and state laws governing commercial finance intermediaries and complies with anti-money-laundering, sanctions (OFAC), and know-your-customer requirements applicable to its activities. Because Ridgewell only supports business-purpose transactions, consumer lending laws do not apply to our services.

11. Governing law

These Terms are governed by the laws of the State in which Ridgewell Commercial Capital Group LLC is organized, without regard to conflict-of-laws principles. Any dispute will be resolved in the courts of competent jurisdiction in that state.

12. Changes

We may update these Terms from time to time. The "Last updated" date reflects the most recent revision. Continued use of the site after changes constitutes acceptance.

13. Contact

Questions about these Terms may be sent through our contact page.