Terms of Use

Last updated October 15, 2026

CREative Lenders is a brand of 1776 Capital (“we”, “us”). These terms cover your use of creativelenders.io and the services we provide through it. By using the site or sending us a deal, you agree to them. If you use the site for a company, you confirm you can agree for it. Our Privacy Policy explains what we do with your information.

What we do

We help owners and sponsors of commercial real estate find debt financing for loans of $500,000 to $10 million. We package your deal, match it with lenders whose stated criteria may fit, and introduce it to them.

What we do not do

• We are not a lender. We do not make loans, decide whether a loan is approved, or set its terms. Every rate, term and approval is the lender’s decision, made after its own underwriting.
• We do not guarantee funding. A lender being in our network, or receiving your deal, is not a commitment to lend, a pre-qualification or a promise of any terms. All financing depends on your qualification and the lender’s underwriting and approval.
• We do not give advice. Nothing we say is financial, legal, tax or investment advice. Talk to your own advisers before you commit to a loan.
• We never touch loan funds. Money for your loan moves between you and the lender, not through us.

The fit check on /borrow gives an early, anonymized indication from the few figures you enter. It is not an offer, an approval or a prediction of terms. Deals and emails shown as examples on this site are illustrations, not real transactions.

Fees

We do not charge a fee for our services at this time. If that changes, any fee will be set out in a separate written agreement, and it will apply to you only once you have signed it. Until then, you owe us nothing.

Your information and documents

• Give us information that is accurate and complete, and tell us if something important changes.
• Only send what you have the right to share. Documents such as rent rolls or guarantor statements can include information about other people; by sending them you confirm that sharing them with us is lawful.
• You keep ownership of what you send. You allow us to store and use it to provide our services, as the Privacy Policy describes.
• We describe your deal to lenders without your name, contact details or street address. Your name and documents go to a lender only after you agree and that lender has signed a non-disclosure agreement.

Your deal page

The link we email you opens your private deal page and works for 30 days. Anyone who has the link can open the page while it works, so treat it like a password and do not forward it. You can ask for a new link from the page itself or from us.

How we contact you

When you submit a deal you agree that we may contact you about it by phone, text and email, and we send emails about your deal, such as your confirmation and stage updates. You can tell us to stop calls and texts at any time by replying to any email from us or writing to support@creativelenders.io.

If you are a lender

The deal summaries we send you are anonymized. Borrower identity and documents are shared only under a non-disclosure agreement and with the borrower’s consent. Use deal information only to evaluate and pursue financing for that deal. Any agreement you have signed with us also applies, and it governs if it conflicts with these terms.

Equal opportunity

We review and introduce every deal without regard to race, color, religion, national origin, sex, marital status, age (as long as the applicant can enter into a binding contract), familial status, disability, receipt of income from a public assistance program, or the good-faith exercise of any right under the Consumer Credit Protection Act. The lenders we introduce deals to make their own credit decisions and are responsible for their own compliance with fair lending laws, including the Equal Credit Opportunity Act and the Fair Housing Act.

Using the site

Please do not:

• send false information, or information you do not have the right to share;
• pretend to be someone else, or act for a company without its permission;
• try to reach another person’s deal, our staff tools or our systems;
• copy the site in bulk, overload it or interfere with how it works;
• upload anything harmful, such as malware; or
• use the site for anything unlawful.

The site, its content and its design belong to us. You may use them to learn about and use our services.

No warranties

We work to keep the site accurate and available, but we provide it and our services as they are and as available, without warranties of any kind, to the extent the law allows.

Limits on our liability

To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, lost profits, or the outcome of any lender’s decision, including a decision not to lend. Our total liability for any claim about the site or our services is limited to $100.

Ending

You can stop using the site at any time and ask us to delete your information, as the Privacy Policy describes. We may suspend or end access for anyone who breaks these terms.

Changes

If we change these terms we will update the date at the top. The version in effect when you use the site is the one that applies.

Contact

1776 Capital, doing business as CREative Lenders · support@creativelenders.io