Disclosures

Brokerage Role

Iron Gate Capital Group is not a bank or direct lender. Iron Gate Capital Group provides commercial financing brokerage and referral services and may connect applicants with third-party lenders and funding providers. Submission of information or an application does not guarantee approval, funding, rates, terms, or any particular financing product. All financing is subject to underwriting, eligibility requirements, provider approval, and applicable terms and conditions.

No Guarantees

Iron Gate does not guarantee approval, funding, interest rates, terms, or closing dates. We do not advertise fabricated rates, approval percentages, funding amounts, lender counts, customer counts, reviews, testimonials, licenses, accreditations, or ratings. Any "guaranteed approval" language is not used by Iron Gate unless legally accurate and substantiated.

Merchant Cash Advance / Revenue-Based Funding

Merchant cash advances are generally commercial purchase transactions rather than traditional loans where legally applicable. The provider purchases a portion of your future receivables at a discount. Cost is expressed as a factor rate, not an APR. Terminology and disclosures vary based on the actual provider and jurisdiction. Iron Gate does not originate MCA transactions.

State-Specific Disclosures

Certain states require specific licensing or disclosures for brokers and for products such as merchant cash advances, revenue-based financing, and commercial financing generally. Applicability depends on the product, the provider, and the jurisdiction. Iron Gate complies with applicable state requirements and provides state-specific disclosures where required. Contact us for state-specific information.

Lender-Specific Disclosures

Each third-party lender and funding provider in our network has its own terms, underwriting standards, fees, and disclosures. All financing is governed by the applicable provider's agreements. Iron Gate encourages applicants to review all provider disclosures carefully before proceeding.

Product-Specific Disclosures

• SBA Financing: Subject to SBA eligibility requirements and participating-lender approval. Iron Gate is not an SBA preferred lender.
• Commercial Real Estate / DSCR / Bridge: Subject to LTV, DSCR, and provider underwriting. Terms vary by property type and provider.
• Equipment Financing: Often secured by the equipment itself. Terms align with the asset's useful life.
• Business Lines of Credit: Revolving facilities; availability, limits, and terms depend on the provider and borrower profile.

Configurable Disclosures

This section is designed to be configurable as state, lender, and product-specific requirements are confirmed. Iron Gate will update applicable disclosures as required by law and as provider relationships are established.

Contact

Disclosure questions can be directed to compliance@irongatecapital.com.