Terms of Use and Service

Effective 27 August 2026. These Terms replace any earlier version. If we change them materially we will change this date and post the new version here.

1.Who these terms are between

These Terms are an agreement between you and Easy Lending USA (“Easy Lending USA”, “we”, “us”, “our”), operator of easylendingusa.com. They apply whenever you use this website, submit anything through it, or engage us for any service.

If you do not accept these Terms, do not use the site and do not submit anything through it.

2.Who may use this site

2.1 You must be at least 18 years old.

2.2 This site is directed to real estate investors and to the professionals who serve them. It is not directed to consumers seeking credit for personal, family or household purposes.

2.3 If you use this site on behalf of a company, you confirm you are authorised to bind that company, and “you” means both you and that company.

3.What Easy Lending USA is, and is not

3.1 Easy Lending USA is not a lender, a bank, or a mortgage broker. We are a referral service that introduces real estate investors to independent private lenders. We do not make credit decisions, fund loans, take loan applications, or negotiate loan terms.

3.2 Any lender you are introduced to is an independent third party. They underwrite, price, approve and fund on their own criteria, under their own agreements with you. We are not their agent, and they are not ours. We do not control their decisions, their terms, their conduct, or their timing.

3.3 All financing referred through this site is for business purposes, secured by non-owner-occupied investment real estate, and made to business entities. We do not offer, arrange or refer consumer loans, owner-occupied financing, reverse mortgages, consumer home equity lines of credit, or any loan secured by a primary residence.

3.4 We accept referrals relating to property only in the states listed on our disclosures page. That list is operative and may change.

4.Nothing here is an offer, and nothing here is advice

4.1 Nothing on this site is an offer or commitment to lend, or a solicitation for any specific loan product. Any rate, term, loan-to-value, timeline or other figure shown is indicative only and subject to underwriting.

4.2 Rate and market figures published on this site are gathered from third-party published sources on the date shown. They describe the market. They are not our rates, and we do not set rates.

4.3 Content on this site is general information. It is not legal, tax, accounting, investment or financial advice and does not account for your circumstances. Get your own advisers.

4.4 We do not guarantee that any deal will be placed, approved or funded, or that funding will happen within any timeframe.

5.Submitting a deal

5.1 Submitting a deal is not a loan application and does not create any lending relationship. We do not pull credit.

5.2 You confirm that everything you submit is accurate to the best of your knowledge, and that you have the right and any necessary authority to give it to us — including where it concerns a third party such as a borrower or a client.

5.3 By submitting a deal you authorise us to share it with lenders and other parties for the purpose of evaluating and placing that transaction. What we do with it is set out in our privacy policy.

5.4 There is never a fee to submit a deal, have it reviewed, or be introduced to a lender. Not an application fee, a processing fee, a document fee, or a deposit of any kind. If anyone claiming to represent Easy Lending USA asks you for money upfront, they do not represent us. Tell us at underwriting@easylendingusa.com.

6.How we are paid on a referral

6.1 We may receive compensation from a lender when a referred transaction closes. Because our compensation depends on transactions closing, we have a financial interest in referred deals reaching closing, and you should weigh our statements accordingly.

6.2 Partner compensation, where applicable, is paid in connection with referred business-purpose transactions and is governed by the separate partner agreement. We do not pay compensation on consumer-purpose or owner-occupied loans.

7.Business services

This section applies if you engage us for any paid service — sales agents, processing support, transaction coordination, web, marketing, design or data work. It applies in addition to the rest of these Terms.

7.1 Financing and services are separate

Buying services from us does not affect any financing referral in any way. It does not move a file up a queue, change a lender’s decision or terms, or affect what a partner is paid. You never have to buy anything from us to submit a deal or to be a partner, and we will not condition one on the other.

7.2 Scope, quotes and start

Every engagement is quoted in writing before it begins — scope, hours, rate and start date. There is no charge for a quote. Nothing starts until you accept the scope in writing. Work outside an accepted scope is quoted separately before it is done.

7.3 Fees and invoicing

Dedicated seats are billed monthly in advance. Per-file and project work is billed as set out in the accepted scope. Invoices are due on the terms stated on them. We may suspend work on an overdue account after giving you notice and a reasonable opportunity to bring it current.

7.4 What we commit to

These are contractual obligations, not marketing statements:

• Native English speakers on every calling seat.
• Real people, real names. Our agents use their own first name and identify the company they are calling for. We do not use invented identities and we will not have anyone hold themselves out as being you or as an employee of your business unless you have expressly authorised that in writing.
• Do-not-call requests are honoured immediately and permanently, on any number, whoever asks, without needing your approval first.
• Calling hours follow the rules applicable to the number being dialled, not our own working hours.
• We do not buy lists and we will not call a list we have reason to believe was obtained unlawfully.
• You own everything we produce or hold for you. Websites, source files, creative files, domains, accounts, CRM records and data belong to you, sit in your accounts where practical, and are handed over in full on request or on termination. We claim no continuing licence over them and nothing is held hostage.
• On a lending file, our people collect and organise documents. Nothing else. They do not take applications, quote rates or terms, negotiate, or make any representation about approval.
• Processing support is limited to business-purpose files secured by non-owner-occupied investment real estate with entity borrowers, and to commercial files. We do not provide processing for consumer-purpose or owner-occupied residential mortgage loans, and we do not perform any activity that requires a mortgage licence.

7.5 What you are responsible for

• Your lists and your consent. Where we call, text or email on your behalf, the contacts are yours and you are responsible for how they were obtained and for holding any consent the law requires — including under the Telephone Consumer Protection Act and applicable state telemarketing and do-not-call rules.
• Your instructions. You are responsible for the scripts, offers, claims and messaging you ask us to use, and for their accuracy and legality. We may decline any instruction we believe to be unlawful, deceptive, or outside these Terms, and we will tell you why.
• Call recording. If you want calls recorded, you are responsible for meeting the consent requirements in every jurisdiction involved.
• Access. Credentials and access you give us, and revoking them when an engagement ends.
• Licensing. Any licence, registration or authorisation your own business needs. We do not advise on it.

7.6 Confidentiality

Each of us will keep the other’s non-public business information confidential, use it only to perform or receive the services, and protect it with at least reasonable care. This does not cover information that is public, already known, independently developed, or required to be disclosed by law.

7.7 Our people

Our personnel are ours — contractors or employees of Easy Lending USA, not yours. Nothing here creates an employment, joint employment, partnership, agency or joint venture relationship between you and them or between you and us. For twelve months after an engagement ends, you agree not to solicit or directly engage any individual we assigned to you, except with our written consent.

7.8 Term and termination

Seats run month to month. Either of us may end an engagement on fourteen days’ written notice, or immediately for material breach that is not cured within ten days of notice. On termination you pay for work performed up to that date, we hand back your data, accounts and work product, and clauses 7.4, 7.6, 7.9, 9, 10, 11 and 12 survive.

7.9 No guarantee of results

We do not guarantee appointments, conversions, closings, rankings, traffic, or any other outcome, and nothing in a proposal or conversation should be read as one. We commit to the work, the standards in 7.4, and the hours you buy.

8.Acceptable use

You agree not to: use this site for any unlawful purpose; submit anyone else’s information without authority; misrepresent who you are or who you act for; scrape, harvest or bulk-download the site; interfere with its operation or security; or use it to develop a competing product from our published content.

The content of this site — text, design, code and structure — belongs to us. You may read it, quote it with attribution, and link to it. You may not republish it wholesale.

9.Disclaimer of warranties

This site and everything on it are provided “as is” and “as available”, without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the site will be uninterrupted or error-free, or that any figure published on it is current.

We are not responsible for the acts, omissions, terms, decisions or conduct of any lender, service provider or other third party you are introduced to or deal with.

10.Limitation of liability

10.1 To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, lost business or lost opportunity, however caused and on any theory of liability.

10.2 To the fullest extent permitted by law, our total aggregate liability arising out of or relating to these Terms, the site, or any service is limited to the greater of (a) the fees you actually paid us for services in the three months before the event giving rise to the claim, or (b) one hundred US dollars ($100).

10.3 Some jurisdictions do not allow some of these exclusions. Where that is the case, they apply to the maximum extent permitted, and nothing here limits liability for fraud, wilful misconduct, or anything that cannot lawfully be limited.

11.Indemnity

You will defend, indemnify and hold us harmless from any claim, loss, liability, penalty or expense (including reasonable legal fees) arising out of: your breach of these Terms; information you submit that you had no right to submit; any contact list, script, offer or instruction you provide for us to use on your behalf, and any claim under the Telephone Consumer Protection Act, state telemarketing or do-not-call law, or call-recording law arising from it; or your dealings with any lender or third party.

12.Disputes

12.1 Talk to us first. Before starting any formal proceeding, email underwriting@easylendingusa.com describing the problem and what you want. We will do the same. Most things end here, and neither of us may begin arbitration or litigation until thirty days after that notice.

12.2 Binding arbitration. If informal resolution fails, any dispute arising out of or relating to these Terms, the site, or any service will be resolved by final and binding arbitration before a single arbitrator, administered by a nationally recognised arbitration provider under its commercial rules, seated in the county of our principal place of business or, at your election, conducted by video or on the documents alone. Judgment on the award may be entered in any court of competent jurisdiction.

12.3 Individual basis only. Claims must be brought individually. Neither of us may bring a class, collective, consolidated or representative action, and the arbitrator may not consolidate claims or preside over any form of representative proceeding. If this paragraph is found unenforceable, clause 12.2 does not apply to that claim.

12.4 Small claims. Either of us may bring an individual claim in small claims court instead.

12.5 Opting out. You may opt out of arbitration by emailing underwriting@easylendingusa.com within thirty days of first accepting these Terms, saying so. Opting out costs you nothing else and affects nothing else in these Terms.

13.Governing law

These Terms are governed by the laws of the State in which Easy Lending USA maintains its principal place of business, without regard to its conflict-of-law rules. Where a dispute is not subject to arbitration, the state and federal courts located there have exclusive jurisdiction, and each of us consents to it.

14.General

14.1 If any part of these Terms is unenforceable, the rest continues in force.

14.2 Our not enforcing something is not a waiver of it.

14.3 You may not assign these Terms without our consent. We may assign them in connection with a transfer of the business.

14.4 These Terms, together with our privacy policy, our disclosures, and any written scope or partner agreement, are the entire agreement between us on their subject matter. Where an executed written agreement conflicts with these Terms, that agreement governs.

14.5 We may change these Terms. Continued use after the effective date above means you accept the change. If you do not, stop using the site and tell us.

15.Contact

Questions about these Terms: underwriting@easylendingusa.com.