Legal
Disclosures
What this website is, what it is not, and the limits of what we publish.
Last updated: October 2026
Not a commitment to lend
Nothing on this website is an offer or commitment to lend, extend credit, or enter into any transaction. Submitting an enquiry or a pre-loan application creates no obligation on either side. All financing is subject to review, independent property valuation, underwriting and the execution of final written loan documents. Any terms become binding only when set out in a signed written agreement.
Not professional advice
The content on this site, including the guides in our resources section, is general educational information. It is not financial, investment, legal, tax or accounting advice, and it does not take account of your circumstances. Real estate transactions carry risk, including the loss of invested capital. Consult your own attorney, accountant and advisers before acting.
About the rates and program terms shown on this site
The leverage, credit requirements, loan sizes, terms and pricing ranges shown on our loan programs pages and in our financing calculator are the published parameters of the lending sources we place investor financing through. They are not our own terms, and they are not an offer of credit from anyone.
These parameters change. They are indicative, provided for general guidance, and subject to change without notice. Every transaction is unique, and a lending source may apply additional stipulations, or additional flexibility, in its formal term sheet. That term sheet, which the borrower signs to move forward, is the only document that sets actual terms.
Figures produced by the financing calculator are estimates generated by applying those published advance rates to figures you enter. They assume an independent appraisal supports the values entered, and they exclude points, closing costs, third-party reports, insurance and taxes. The calculator is a sizing tool. It is not an application, not a pre-approval, and not a commitment to lend.
Any rate shown is an interest rate, not an annual percentage rate, and does not reflect the total cost of credit. Actual pricing depends on the property, the structure, your completed project history, your credit profile and the lending source's underwriting.
Service availability by location
Financing availability varies by loan type and by jurisdiction. We confirm whether we can assist with your specific property at the first conversation rather than publishing a list that may not hold for your transaction. Services are not offered in every state, and nothing on this site should be read as an offer to lend in any jurisdiction where we are not authorised to do so.
Business and property purpose only
The financing described on this site is for non-owner-occupied investment property and for commercial property used for business purposes. We do not offer loans secured by a borrower's primary residence, and nothing here is an offer of consumer credit.
Our role: broker, not direct lender
Vector Capital Services acts as a broker. We arrange real estate financing through third-party lending sources; we do not lend our own capital. Accordingly, we are not the party that makes the final credit decision on your transaction, and the terms of any loan are set by the funding source, not by us.
We will identify the funding source for your transaction, and disclose how we are compensated in connection with it, before you commit to anything.
Licensing
Licensing and registration information applicable to our services will be published here. If you would like confirmation of how your specific transaction is being arranged, and by whom, ask us and we will tell you plainly before you commit to anything.
No testimonials or performance claims
We do not publish borrower testimonials, transaction volumes, closing-time guarantees, success rates or similar performance statistics on this site. Where we cannot substantiate a claim, we do not make it. If you want to understand our experience with a project like yours, ask us directly and we will speak to it specifically.
Photography
Images on this site are illustrative and used for design purposes. They do not depict specific properties we have financed or developed, and should not be understood as representing past transactions.
Third-party costs
Real estate financing involves third-party costs, which may include independent valuation, title work, insurance, recording and legal fees, and on commercial or construction transactions environmental assessment, survey and property condition reports. These are generally the borrower's responsibility. They will be identified to you before they are incurred.
Website accuracy
We aim to keep this site accurate and current, but content may become out of date and may contain errors. We do not warrant that the information is complete or current, and we may change it without notice. Where information on this site conflicts with a written agreement between us, the written agreement governs.
Equal opportunity
We conduct our business in accordance with applicable fair lending and equal opportunity laws.
Questions
If anything on this site is unclear, or you would like something confirmed in writing before you proceed, ask us. We would rather answer a question twice than have you proceed on an assumption.
Talk to us about your deal
Tell us the property, the plan and the timeline. We will tell you honestly whether we can help and what the realistic next step is.