Lending Disclosures

Cross Bridge Capital LLC is a private money lender providing short-term, asset-based financing for real estate investors and developers. We are not a bank, credit union, or federally regulated depository institution. Our loans are commercial in nature and are not subject to the same consumer protection regulations that apply to residential mortgage lending.

All loan programs, terms, rates, and availability described on this website are for informational purposes only and are subject to change without notice. Actual loan terms will be determined based on individual underwriting review and may differ materially from any general program descriptions.

• Loans are made to business entities and real estate investors, not to consumers for personal, family, or household purposes.
• All loans are secured by real property. Borrowers may lose their collateral in the event of default.
• Interest rates on private money loans are typically higher than conventional bank financing.
• Loan-to-value ratios, fees, and terms vary by transaction and are subject to underwriting approval.

Cross Bridge Capital does not originate consumer mortgage loans as defined under the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), or the Dodd-Frank Wall Street Reform and Consumer Protection Act. All financing is extended exclusively to business entities or individuals acting in a commercial or investment capacity.

Cross Bridge Capital LLC operates in compliance with applicable state lending laws. Licensing requirements vary by state and transaction type. Prospective borrowers are encouraged to consult with legal counsel regarding applicable regulations in their jurisdiction.

Real estate investment involves significant risk, including the potential loss of principal. Past performance of any loan program or investment strategy is not indicative of future results. Borrowers should carefully evaluate their financial situation, exit strategy, and ability to repay before entering into any loan agreement.

Cross Bridge Capital makes no representations or warranties regarding the success of any real estate investment or development project financed through our programs.

Cross Bridge Capital LLC complies with the Equal Credit Opportunity Act (ECOA). We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or any other characteristic protected by applicable law.

Cross Bridge Capital may order independent appraisals or broker price opinions (BPOs) as part of the underwriting process. Valuations are used for internal underwriting purposes only and do not constitute a representation of market value or a guarantee of any particular loan amount.

For questions regarding our lending practices or regulatory compliance, please contact us: