Disclosures.

Last updated: July 26, 2026.

This page is provided for transparency and is not a substitute for advice from your attorney or accountant. Consult counsel before entering into any financing agreement.

1. Broker / ISO status

Secure Capital Solutions Inc ("SCS," "we," "us," "our") is a commercial financing intermediary — a broker, also known in industry parlance as an Independent Sales Organization (ISO). SCS is not a lender. SCS does not originate, fund, hold, or service any loan, advance, or other financing transaction. All financing offered through SCS is originated, funded, and serviced by third-party funders ("Lender Partners"). The lender named in any financing agreement is the "lender of record"; SCS is not a party to that agreement and has no authority to modify its terms.

2. Compensation

SCS is compensated by Lender Partners on funding. When a Lender Partner funds a transaction sourced by SCS, the Lender Partner pays SCS a referral or placement fee. The amount and structure of that fee varies by Lender Partner, product type, and transaction size. SCS does not charge applicants any upfront, application, or origination fee. If a transaction does not fund, no fee is paid by anyone. Borrower-paid fees, if any, will be separately and clearly disclosed in the Lender Partner’s offer documents before you sign.

3. Approval and eligibility

Submission of an application to SCS does not guarantee approval, an offer, or funding. Approval, the amount approved, the term, the rate, and all other commercial terms are determined solely by the Lender Partner after underwriting. Not all applicants will be approved. SCS makes no representation regarding whether your specific application will receive an offer or what its terms will be.

4. Personal guarantees and risk of loss

Most commercial financing offered through our network requires a personal guarantee from one or more business owners. A personal guarantee makes you personally responsible for repayment if the business cannot pay. Default may result in collection actions, lawsuits, judgments, UCC-1 filings against business assets, and damage to your business and personal credit. Some products (notably HELOC) are secured by real property, and default on those products may result in foreclosure on the secured property. Read every offer document carefully and consult your own attorney before signing.

5. Equal Credit Opportunity Act (ECOA) notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Secure Capital Solutions Inc and its Lender Partners do not engage in such discrimination. The federal agency that administers compliance with this law concerning this entity is the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580.

6. Business HELOC — business-purpose disclosure

The Home Equity Line of Credit (HELOC) offered through SCS is a business-purpose loan secured by residential real property. It is not offered for personal, family, or household use, and it is not a consumer residential mortgage loan. Because the credit is extended primarily for business purposes, it is not a “residential mortgage loan” for purposes of the federal SAFE Act, and the consumer mortgage disclosure regimes that attach to consumer-purpose credit (including TILA / Regulation Z and RESPA) do not apply to it. Applicants who want credit for personal, family, or household purposes should not apply for this product and should seek a consumer HELOC from a licensed mortgage lender instead.

SCS is not the lender. As with every product described in Section 1, the line is originated, underwritten, funded, and serviced by a third-party Lender Partner, who determines all credit decisions and commercial terms and who will provide its own loan documents and disclosures to you before any commitment. An SCS representative may assist you in preparing and submitting your application to the Lender Partner. Submission of an application does not guarantee approval. Approval is subject to verification of income and eligibility and to confirmation that the property is in at least average condition per a property condition report.

This product is currently available in 33 states and the District of Columbia; availability and terms vary by state and are subject to change. Line amounts, rates, terms, and combined loan-to-value limits vary by applicant and by state. Funding timelines described as “as few as five business days” assume closing with a remote online notary and may be longer in counties that do not permit e-recording or that require an in-person closing. This line is secured by your home. As stated in Section 4, default on a product secured by real property may result in foreclosure on that property.

7. Lender Partner list

SCS maintains relationships with multiple third-party funders covering a range of commercial financing products. A list of current Lender Partners is available to applicants on written request. SCS does not have an exclusive arrangement with any single Lender Partner and presents files to whichever Lender Partner(s) we believe are most likely to fund based on the applicant’s profile and current Lender Partner credit policies.

8. Where we operate — state availability

SCS markets to and accepts applications from businesses in the United States. Several states regulate commercial financing brokers, providers, and disclosure requirements. The applicability of any specific state law depends on the applicant’s state of business operation, the type of financing, and the Lender Partner’s licensing.

Where applicable, offers presented to applicants will include the disclosures required by that state’s commercial financing law (including, where applicable, New York’s Commercial Finance Disclosure Law (Article 8 of the Financial Services Law / 23 NYCRR Part 600), California’s SB 1235 commercial financing disclosures (10 CCR § 900 et seq.), and similar laws in Connecticut, Florida, Georgia, Utah, Virginia, and other states adopting commercial financing disclosure regimes). Offers and Lender Partner agreements presented to you in those states will include the applicable APR, total cost, and other state-required disclosures before any commitment is signed.

Calculator output on this site is illustrative only and is not an offer of credit. Any specific commercial financing offer will be presented to you in writing by the Lender Partner, accompanied by all federally and state-required disclosures.

9. SMS and TCPA

SMS messaging from SCS or from Lender Partners on referrals is sent only to applicants who provide express written consent on the application form. SMS consent is not a condition of applying for or receiving services. You may opt out of SMS at any time by replying STOP to any message. Reply HELP for help. Message and data rates may apply. Message frequency varies. See our Privacy Policy for additional detail on how we handle your contact information.

10. Calculator and rate-quote disclaimer

Any payment estimator, calculator, or worked-example block on this site is provided for informational and illustrative purposes only. No figure displayed by any such tool is an offer of credit. Actual rate, term, payment, fees, factor rate, and all other commercial terms are determined exclusively by the Lender Partner after underwriting. We do not display APR figures publicly because doing so could be misconstrued as a quote. Formal disclosures (including any state-required disclosures) accompany every Lender Partner offer in writing before signing.

11. Brand identity and contact

"Secure Capital Solutions," "SecureCapital," and the SecureCapital mark are trademarks of Secure Capital Solutions Inc. The legal entity is Secure Capital Solutions Inc, a New Jersey corporation. Direct brand and trademark inquiries through our contact form.