Last Updated:
Apr 21, 2026
Terms of Use
Terms of Use
IMPORTANT — PLEASE READ CAREFULLY
These Terms of Use constitute a legally binding agreement between you and Offer Ready Capital, LLC.
By accessing or using our website at offerreadycapital.com, submitting an application, or using any of our services, you agree to be bound by these Terms. If you do not agree, do not use our website or services.
Our services are available for business-purpose real estate investment transactions only.
Consumer lending laws do not apply. This is not a consumer financial product.
ACCEPTANCE OF TERMS
By accessing offerreadycapital.com (the "Site") or using any services offered by Offer Ready Capital, LLC, a Wyoming Limited Liability Company ("ORC," "we," "us," or "our"), you represent that you have read, understood, and agree to be bound by these Terms of Use ("Terms"), our Privacy Policy, and our Refund Policy, all of which are incorporated herein by reference.
These Terms apply to all visitors, applicants, borrowers, and any other users of the Site. ORC reserves the right to modify these Terms at any time. Continued use of the Site following any modification constitutes your acceptance of the revised Terms.
DESCRIPTION OF SERVICES
Offer Ready Capital, LLC provides earnest money deposit ("EMD") funding services for qualifying real estate investment transactions. Our services are limited to the following:
• Funding earnest money deposits for business-purpose real estate investment transactions;
• Reviewing and processing EMD funding applications submitted through our website or via email;
• Holding executed legal documents related to funded transactions;
• Coordinating with our designated escrow partner for deposit placement and return.
ORC is NOT a mortgage lender, consumer lender, bank, broker-dealer, investment adviser, or real estate agent.
ORC does not provide consumer loans, personal loans, or any financial product subject to the Truth in Lending Act, the Real Estate Settlement Procedures Act, or any state consumer lending law.
ELIGIBILITY & BUSINESS PURPOSE REQUIREMENT
To use ORC's services, you must:
• Be at least 18 years of age and legally capable of entering into binding contracts;
• Be acquiring the subject property for non-owner-occupied business investment purposes only;
• Not be located in a jurisdiction where ORC's services are prohibited;
• Represent that the transaction for which funding is sought is an arm's-length investment transaction and not a primary residence, vacation home, or consumer purchase;
• Not be subject to any bankruptcy, insolvency, or similar proceedings;
• Provide accurate and complete information in all applications and communications with ORC.
ACCEPTANCE OF TERMS
By accessing offerreadycapital.com (the "Site") or using any services offered by Offer Ready Capital, LLC, a Wyoming Limited Liability Company ("ORC," "we," "us," or "our"), you represent that you have read, understood, and agree to be bound by these Terms of Use ("Terms"), our Privacy Policy, and our Refund Policy, all of which are incorporated herein by reference.
These Terms apply to all visitors, applicants, borrowers, and any other users of the Site. ORC reserves the right to modify these Terms at any time. Continued use of the Site following any modification constitutes your acceptance of the revised Terms.
DESCRIPTION OF SERVICES
Offer Ready Capital, LLC provides earnest money deposit ("EMD") funding services for qualifying real estate investment transactions. Our services are limited to the following:
• Funding earnest money deposits for business-purpose real estate investment transactions;
• Reviewing and processing EMD funding applications submitted through our website or via email;
• Holding executed legal documents related to funded transactions;
• Coordinating with our designated escrow partner for deposit placement and return.
ORC is NOT a mortgage lender, consumer lender, bank, broker-dealer, investment adviser, or real estate agent.
ORC does not provide consumer loans, personal loans, or any financial product subject to the Truth in Lending Act, the Real Estate Settlement Procedures Act, or any state consumer lending law.
ELIGIBILITY & BUSINESS PURPOSE REQUIREMENT
To use ORC's services, you must:
• Be at least 18 years of age and legally capable of entering into binding contracts;
• Be acquiring the subject property for non-owner-occupied business investment purposes only;
• Not be located in a jurisdiction where ORC's services are prohibited;
• Represent that the transaction for which funding is sought is an arm's-length investment transaction and not a primary residence, vacation home, or consumer purchase;
• Not be subject to any bankruptcy, insolvency, or similar proceedings;
• Provide accurate and complete information in all applications and communications with ORC.
OWNER-OCCUPIED TRANSACTIONS NOT ELIGIBLE
ORC does not fund earnest money deposits for owner-occupied residential properties under any circumstances. Submission of a false or misleading application stating a transaction is for investment purposes when it is not constitutes fraud and may result in legal action.
APPLICATION PROCESS & NO GUARANTEE OF FUNDING
Submission of an application and payment of an application fee does not guarantee approval or funding. ORC retains sole and absolute discretion to approve or decline any application for any reason. The application fee is non-refundable except as set forth in our Refund Policy.
ORC may request additional information or documentation at any point during the review process. Failure to provide requested information in a timely manner may result in decline of the application without refund of the application fee.
FUNDED TRANSACTIONS — BORROWER OBLIGATIONS
If your application is approved and ORC funds your EMD, you agree that:
• All terms of the EMD Loan Agreement, Personal Guarantee, Call Option Agreement, and Pre-Signed Termination and Release executed in connection with the funded transaction govern your obligations;
• The EMD amount funded by ORC must be repaid in full at closing or upon any earlier termination;
• You will not cause or permit the EMD amount to be applied to the purchase price, credited to you, or disbursed to any party other than ORC without ORC's prior written consent;
• You will comply with all due diligence period deadlines and provide timely notice to ORC of any change in deal status;
• In the event of default, the full EMD amount plus all accrued fees, costs, and interest at 18% per annum shall become immediately due and payable.
FEES & PAYMENT
6.1 Application Fee. A non-refundable application fee is due and payable before ORC commences review of any application. The applicable fee is determined by the EMD tier as set forth on our website and in our fee schedule. The application fee is earned by ORC upon receipt and is not subject to refund except if ORC declines the application.
6.2 EMD Fee. An EMD fee, calculated as a percentage of the funded EMD amount, is due and payable in full prior to ORC's release of funds. The EMD fee is non-refundable under all circumstances once paid.
6.3 Extension Fee. If an extension of the due diligence period is requested and approved, an extension fee must be paid in advance. Extension fees are non-refundable.
6.4 Payment Methods. ORC accepts payment by ACH transfer, wire transfer, and Zelle. No cash, money orders, or cryptocurrency accepted. All fees must clear before ORC takes any action.
INTELLECTUAL PROPERTY
All content on the Site, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Offer Ready Capital, LLC or its content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, transmit, or use any content from the Site for commercial purposes without ORC's prior written consent.
PROHIBITED CONDUCT
You agree not to:
• Use the Site for any unlawful purpose or in violation of any applicable law or regulation;
• Submit false, misleading, or fraudulent information in any application or communication;
• Attempt to gain unauthorized access to any portion of the Site or ORC's systems;
• Use automated scripts, bots, or scraping tools to access or collect information from the Site;
• Interfere with or disrupt the Site or servers or networks connected to the Site;
• Impersonate any person or entity or falsely represent your affiliation with any person or entity;
• Use the Site for consumer lending, personal use, or any non-business-purpose transaction.
DISCLAIMER OF WARRANTIES
THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ORC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Nothing on the Site constitutes legal, financial, tax, or investment advice. All information is provided for general informational purposes only. You should consult with qualified legal and financial advisers before entering into any transaction.
LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ORC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICES, EVEN IF ORC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
ORC's total liability to you for any claims arising out of these Terms or your use of the Site shall not exceed the application fee paid by you in the transaction giving rise to the claim.
INDEMNIFICATION
You agree to indemnify, defend, and hold harmless ORC and its members, managers, officers, employees, and agents from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or services; (b) your violation of these Terms; (c) your submission of false or misleading information; or (d) any transaction funded by ORC on your behalf.
GOVERNING LAW & DISPUTE RESOLUTION
These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflicts of law principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in the county in which ORC's principal place of business is located. The prevailing party shall be entitled to recover reasonable attorneys' fees and costs.
You waive any right to participate in a class action lawsuit or class-wide arbitration against ORC.
THIRD-PARTY LINKS & SERVICES
The Site may contain links to third-party websites or services. ORC does not endorse and is not responsible for the content, privacy practices, or terms of any third-party site. Your use of third-party sites is at your own risk.
GEOGRAPHIC RESTRICTIONS
ORC's services are available only in the states listed on our website's Coverage page. ORC does not fund transactions in states where its services are not currently offered. ORC does not fund transactions in California, Hawaii, Utah, Vermont, or Kansas. Eligibility in states not expressly listed is determined on a case-by-case basis.
TERMINATION
ORC reserves the right to terminate or suspend your access to the Site and services at any time, without notice, for any reason, including violation of these Terms. All provisions of these Terms that by their nature should survive termination shall survive, including Sections 7, 9, 10, 11, and 12.
SEVERABILITY & ENTIRE AGREEMENT
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect. These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and ORC with respect to your use of the Site and supersede all prior agreements and understandings.
CONTACT INFORMATION
Questions about these Terms should be directed to:
Offer Ready Capital, LLC
400 Renaissance Center, Suite 2600
Detroit, MI 48243
legal@offerreadycapital.com
offerreadycapital.com | Open 24 Hours
APPLICATION PROCESS & NO GUARANTEE OF FUNDING
Submission of an application and payment of an application fee does not guarantee approval or funding. ORC retains sole and absolute discretion to approve or decline any application for any reason. The application fee is non-refundable except as set forth in our Refund Policy.
ORC may request additional information or documentation at any point during the review process. Failure to provide requested information in a timely manner may result in decline of the application without refund of the application fee.
FUNDED TRANSACTIONS — BORROWER OBLIGATIONS
If your application is approved and ORC funds your EMD, you agree that:
• All terms of the EMD Loan Agreement, Personal Guarantee, Call Option Agreement, and Pre-Signed Termination and Release executed in connection with the funded transaction govern your obligations;
• The EMD amount funded by ORC must be repaid in full at closing or upon any earlier termination;
• You will not cause or permit the EMD amount to be applied to the purchase price, credited to you, or disbursed to any party other than ORC without ORC's prior written consent;
• You will comply with all due diligence period deadlines and provide timely notice to ORC of any change in deal status;
• In the event of default, the full EMD amount plus all accrued fees, costs, and interest at 18% per annum shall become immediately due and payable.
FEES & PAYMENT
6.1 Application Fee. A non-refundable application fee is due and payable before ORC commences review of any application. The applicable fee is determined by the EMD tier as set forth on our website and in our fee schedule. The application fee is earned by ORC upon receipt and is not subject to refund except if ORC declines the application.
6.2 EMD Fee. An EMD fee, calculated as a percentage of the funded EMD amount, is due and payable in full prior to ORC's release of funds. The EMD fee is non-refundable under all circumstances once paid.
6.3 Extension Fee. If an extension of the due diligence period is requested and approved, an extension fee must be paid in advance. Extension fees are non-refundable.
6.4 Payment Methods. ORC accepts payment by ACH transfer, wire transfer, and Zelle. No cash, money orders, or cryptocurrency accepted. All fees must clear before ORC takes any action.
INTELLECTUAL PROPERTY
All content on the Site, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Offer Ready Capital, LLC or its content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, transmit, or use any content from the Site for commercial purposes without ORC's prior written consent.
PROHIBITED CONDUCT
You agree not to:
• Use the Site for any unlawful purpose or in violation of any applicable law or regulation;
• Submit false, misleading, or fraudulent information in any application or communication;
• Attempt to gain unauthorized access to any portion of the Site or ORC's systems;
• Use automated scripts, bots, or scraping tools to access or collect information from the Site;
• Interfere with or disrupt the Site or servers or networks connected to the Site;
• Impersonate any person or entity or falsely represent your affiliation with any person or entity;
• Use the Site for consumer lending, personal use, or any non-business-purpose transaction.
DISCLAIMER OF WARRANTIES
THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ORC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Nothing on the Site constitutes legal, financial, tax, or investment advice. All information is provided for general informational purposes only. You should consult with qualified legal and financial advisers before entering into any transaction.
LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ORC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICES, EVEN IF ORC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
ORC's total liability to you for any claims arising out of these Terms or your use of the Site shall not exceed the application fee paid by you in the transaction giving rise to the claim.
INDEMNIFICATION
You agree to indemnify, defend, and hold harmless ORC and its members, managers, officers, employees, and agents from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or services; (b) your violation of these Terms; (c) your submission of false or misleading information; or (d) any transaction funded by ORC on your behalf.
GOVERNING LAW & DISPUTE RESOLUTION
These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflicts of law principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in the county in which ORC's principal place of business is located. The prevailing party shall be entitled to recover reasonable attorneys' fees and costs.
You waive any right to participate in a class action lawsuit or class-wide arbitration against ORC.
THIRD-PARTY LINKS & SERVICES
The Site may contain links to third-party websites or services. ORC does not endorse and is not responsible for the content, privacy practices, or terms of any third-party site. Your use of third-party sites is at your own risk.
GEOGRAPHIC RESTRICTIONS
ORC's services are available only in the states listed on our website's Coverage page. ORC does not fund transactions in states where its services are not currently offered. ORC does not fund transactions in California, Hawaii, Utah, Vermont, or Kansas. Eligibility in states not expressly listed is determined on a case-by-case basis.
TERMINATION
ORC reserves the right to terminate or suspend your access to the Site and services at any time, without notice, for any reason, including violation of these Terms. All provisions of these Terms that by their nature should survive termination shall survive, including Sections 7, 9, 10, 11, and 12.
SEVERABILITY & ENTIRE AGREEMENT
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect. These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and ORC with respect to your use of the Site and supersede all prior agreements and understandings.
CONTACT INFORMATION
Questions about these Terms should be directed to:
Offer Ready Capital, LLC
400 Renaissance Center, Suite 2600
Detroit, MI 48243
legal@offerreadycapital.com
offerreadycapital.com | Open 24 Hours