Last Updated:

July 12, 2026

Terms of Use

Terms of Use

I M P O R TA N T. P L E AS E R E A D CA R E F U L LY.

These Terms of Use are 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 our services.

Our services are available for business purpose real estate investment transactions only. This is not a consumer financial product, and it is not a loan.

  1. ACCEPTANCE OF TERMS


By accessing offerreadycapital.com (the "Site") or using any service 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, each of which is incorporated by reference.


These Terms apply to all visitors, applicants, clients, and other users of the Site. ORC may modify these Terms at any time. Continued use of the Site following any modification constitutes acceptance of the revised Terms.



  1. DESCRIPTION OF SERVICES


ORC funds earnest money deposits for qualifying business purpose real estate investment transactions. ORC's services consist of the following:

▪   Reviewing and underwriting transactions submitted through the Site or by email.

▪   Forming a special purpose limited liability company (the "Funding Entity") for an approved transaction.

▪   Causing the Funding Entity to enter into the purchase and sale agreement as buyer of record.

▪   Funding 100% of the earnest money deposit into escrow with ORC's designated escrow partner.

▪   Granting the client an option to acquire the Funding Entity.

▪   Coordinating with the escrow partner for placement, application, and return of the deposit.


  1. ACCEPTANCE OF TERMS


By accessing offerreadycapital.com (the "Site") or using any service 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, each of which is incorporated by reference.


These Terms apply to all visitors, applicants, clients, and other users of the Site. ORC may modify these Terms at any time. Continued use of the Site following any modification constitutes acceptance of the revised Terms.



  1. DESCRIPTION OF SERVICES


ORC funds earnest money deposits for qualifying business purpose real estate investment transactions. ORC's services consist of the following:

▪   Reviewing and underwriting transactions submitted through the Site or by email.

▪   Forming a special purpose limited liability company (the "Funding Entity") for an approved transaction.

▪   Causing the Funding Entity to enter into the purchase and sale agreement as buyer of record.

▪   Funding 100% of the earnest money deposit into escrow with ORC's designated escrow partner.

▪   Granting the client an option to acquire the Funding Entity.

▪   Coordinating with the escrow partner for placement, application, and return of the deposit.


WHAT ORC IS NOT

ORC is not a lender. ORC does not make loans, does not advance funds to any client, and does not charge interest. ORC funds its own deposit, through its own entity, into escrow held to the benefit of that entity.

ORC is not a mortgage lender, consumer lender, bank, broker dealer, investment adviser, or real estate agent. ORC does not offer consumer loans or personal loans, and does not offer any product intended for consumer or household purposes.


  1. 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 is an arm's length investment transaction, and is not a primary residence, vacation home, or consumer purchase.

▪   Not be subject to any bankruptcy, insolvency, or similar proceeding.

▪   Provide accurate and complete information in all applications and communications with ORC.

OWNER OCCUPIED TRANSACTIONS ARE NOT ELIGIBLE

ORC does not fund earnest money deposits for owner occupied residential property under any circumstances. Submitting an application that falsely states a transaction is for investment purposes constitutes fraud and may result in legal action.

  1. APPLICATION PROCESS & NO GUARANTEE OF FUNDING


There is no application fee. ORC charges nothing to receive, review, or underwrite your submission.

Submitting an application does not guarantee approval or funding. ORC retains sole and absolute discretion to approve or decline any transaction, for any reason. If ORC declines your transaction, you owe ORC nothing.

ORC may request additional information or documentation at any point during review. Failure to provide requested information may result in decline of the transaction.



  1. FUNDED TRANSACTIONS — BORROWER OBLIGATIONS


If ORC approves your transaction and you accept the term sheet, you agree that:


▪   The Call Option Agreement, the Limited Authority appointment, and the Pre Signed Termination and Release executed in connection with the transaction govern the parties' respective rights and obligations.

▪   The Funding Entity, and not you, is the buyer of record under the purchase and sale agreement. The earnest money deposit is ORC's capital and remains ORC's property at all times.

▪   Your option may be exercised by causing ORC's deposit to be replaced at closing, whether from closing proceeds, your own funds, or an end buyer's funds. Upon replacement, the membership interest in the Funding Entity is assigned to you.

▪   You are not obligated to exercise the option. If you do not exercise it, you forfeit the fees you have paid and nothing further is owed.

▪   You will comply with all due diligence deadlines and will give ORC prompt written notice of any change in the status of the transaction.

▪   You will deliver to ORC a complete copy of every executed document relating to the transaction, including the purchase and sale agreement and any amendment, addendum, or extension, within twenty four hours of execution.

▪   You will not cause or permit the deposit to be applied, credited, released, or disbursed to any party other than ORC without ORC's prior written consent.

▪   Where ORC grants you limited authority to sign on behalf of the Funding Entity, that authority extends only to the purchase and sale agreement and to extensions or amendments that ORC has approved in writing in advance. It does not extend to escrow instructions, which only ORC may give.

  1. APPLICATION PROCESS & NO GUARANTEE OF FUNDING


There is no application fee. ORC charges nothing to receive, review, or underwrite your submission.

Submitting an application does not guarantee approval or funding. ORC retains sole and absolute discretion to approve or decline any transaction, for any reason. If ORC declines your transaction, you owe ORC nothing.

ORC may request additional information or documentation at any point during review. Failure to provide requested information may result in decline of the transaction.



  1. FUNDED TRANSACTIONS — BORROWER OBLIGATIONS


If ORC approves your transaction and you accept the term sheet, you agree that:


▪   The Call Option Agreement, the Limited Authority appointment, and the Pre Signed Termination and Release executed in connection with the transaction govern the parties' respective rights and obligations.

▪   The Funding Entity, and not you, is the buyer of record under the purchase and sale agreement. The earnest money deposit is ORC's capital and remains ORC's property at all times.

▪   Your option may be exercised by causing ORC's deposit to be replaced at closing, whether from closing proceeds, your own funds, or an end buyer's funds. Upon replacement, the membership interest in the Funding Entity is assigned to you.

▪   You are not obligated to exercise the option. If you do not exercise it, you forfeit the fees you have paid and nothing further is owed.

▪   You will comply with all due diligence deadlines and will give ORC prompt written notice of any change in the status of the transaction.

▪   You will deliver to ORC a complete copy of every executed document relating to the transaction, including the purchase and sale agreement and any amendment, addendum, or extension, within twenty four hours of execution.

▪   You will not cause or permit the deposit to be applied, credited, released, or disbursed to any party other than ORC without ORC's prior written consent.

▪   Where ORC grants you limited authority to sign on behalf of the Funding Entity, that authority extends only to the purchase and sale agreement and to extensions or amendments that ORC has approved in writing in advance. It does not extend to escrow instructions, which only ORC may give.

YOU ARE NEVER LIABLE FOR THE DEPOSIT PRINCIPAL

Your fees are the entirety of your financial exposure to ORC. There is no repayment obligation. There is no personal guarantee of the deposit. There is no indemnity in favor of ORC in respect of the deposit principal, and ORC charges no interest.

If the due diligence period closes without a closing or an approved extension, ORC terminates the purchase and sale agreement and recovers its deposit from escrow. You forfeit the fees you have paid. You owe ORC nothing further.


  1. FEES & PAYMENT


6.1 No Application Fee. ORC charges no fee to apply, and no fee to underwrite. Nothing is payable unless and until ORC approves your transaction and you accept the term sheet.

6.2  Approval Fee. The Approval Fee is due on your acceptance of the term sheet. It covers deal review, underwriting, and formation of the Funding Entity. It is earned on formation of the Funding Entity.

6.3  Funding Fee. The Funding Fee is due on your acceptance of the term sheet. It is the premium payable for the option granted to you and for ORC's funding of the earnest money deposit. It is earned when ORC wires the deposit to escrow. It is calculated on the deposit amount, and never on the purchase price.

6.4  Extension Fee. If an extension of the due diligence period is approved, an Extension Fee is payable in advance and is earned when the extension takes effect.

6.5  Fixed Pricing. All fees are quoted as fixed dollar figures on your term sheet. They do not accrue, do not re price, and do not change after you sign.

6.6  Refunds. Refunds are governed by ORC's Refund Policy, which is incorporated by reference.

6.7  Payment Methods. ORC accepts ACH transfer, wire transfer, Zelle, and credit card payments processed through Melio. ORC does not accept cash, money orders, or cryptocurrency. All fees must clear before ORC takes any action.

6.8  Card Processing Fees. Credit card payments are processed by Melio, which charges a processing fee on card transactions. That fee is charged to you by Melio, is additional to ORC's fees, and is not paid to or retained by ORC. ORC adds no surcharge of its own. You can avoid the processing fee entirely by paying by ACH, wire, or Zelle.

6.9  Title and Escrow Fees. Preliminary title fees, escrow fees, and other title related charges are assessed by the title company, are paid directly to the title company, and are governed by the title company's own terms. ORC has no authority to refund or waive them.



  1. INTELLECTUAL PROPERTY


All content on the Site, including text, graphics, logos, images, audio, and software, is the property of Offer Ready Capital, LLC or its content suppliers and is protected by United States 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.



  1. 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 any server or network connected to it.

▪   Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

▪   Use the Site for consumer, personal, household, or any non business purpose transaction.



  1. DISCLAIMER OF WARRANTIES


THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT. ORC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR FREE, OR FREE OF 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 qualified legal and financial advisers before entering into any transaction.



  1. LIMITATION OF LIABILITY


TO THE FULLEST EXTENT PERMITTED BY 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 THE SERVICES, EVEN IF ORC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES

.

ORC's total liability to you for any claim arising out of these Terms or your use of the Site shall not exceed the total fees actually paid by you to ORC in the transaction giving rise to the claim.



  1. INDEMNIFICATION


You agree to indemnify, defend, and hold harmless ORC and its members, managers, officers, employees, and agents from and against any claim, loss, liability, damage, cost, or expense, including reasonable attorneys' fees, arising out of or related to:

▪   Your use of the Site;

▪   Your violation of these Terms;

▪   Your submission of false or misleading information;

▪   Any act taken by you outside the scope of the limited authority granted to you, including any execution, amendment, extension, or waiver of a purchase and sale agreement that ORC has not approved in writing.


  1. FEES & PAYMENT


6.1 No Application Fee. ORC charges no fee to apply, and no fee to underwrite. Nothing is payable unless and until ORC approves your transaction and you accept the term sheet.

6.2  Approval Fee. The Approval Fee is due on your acceptance of the term sheet. It covers deal review, underwriting, and formation of the Funding Entity. It is earned on formation of the Funding Entity.

6.3  Funding Fee. The Funding Fee is due on your acceptance of the term sheet. It is the premium payable for the option granted to you and for ORC's funding of the earnest money deposit. It is earned when ORC wires the deposit to escrow. It is calculated on the deposit amount, and never on the purchase price.

6.4  Extension Fee. If an extension of the due diligence period is approved, an Extension Fee is payable in advance and is earned when the extension takes effect.

6.5  Fixed Pricing. All fees are quoted as fixed dollar figures on your term sheet. They do not accrue, do not re price, and do not change after you sign.

6.6  Refunds. Refunds are governed by ORC's Refund Policy, which is incorporated by reference.

6.7  Payment Methods. ORC accepts ACH transfer, wire transfer, Zelle, and credit card payments processed through Melio. ORC does not accept cash, money orders, or cryptocurrency. All fees must clear before ORC takes any action.

6.8  Card Processing Fees. Credit card payments are processed by Melio, which charges a processing fee on card transactions. That fee is charged to you by Melio, is additional to ORC's fees, and is not paid to or retained by ORC. ORC adds no surcharge of its own. You can avoid the processing fee entirely by paying by ACH, wire, or Zelle.

6.9  Title and Escrow Fees. Preliminary title fees, escrow fees, and other title related charges are assessed by the title company, are paid directly to the title company, and are governed by the title company's own terms. ORC has no authority to refund or waive them.



  1. INTELLECTUAL PROPERTY


All content on the Site, including text, graphics, logos, images, audio, and software, is the property of Offer Ready Capital, LLC or its content suppliers and is protected by United States 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.



  1. 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 any server or network connected to it.

▪   Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

▪   Use the Site for consumer, personal, household, or any non business purpose transaction.



  1. DISCLAIMER OF WARRANTIES


THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT. ORC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR FREE, OR FREE OF 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 qualified legal and financial advisers before entering into any transaction.



  1. LIMITATION OF LIABILITY


TO THE FULLEST EXTENT PERMITTED BY 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 THE SERVICES, EVEN IF ORC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES

.

ORC's total liability to you for any claim arising out of these Terms or your use of the Site shall not exceed the total fees actually paid by you to ORC in the transaction giving rise to the claim.



  1. INDEMNIFICATION


You agree to indemnify, defend, and hold harmless ORC and its members, managers, officers, employees, and agents from and against any claim, loss, liability, damage, cost, or expense, including reasonable attorneys' fees, arising out of or related to:

▪   Your use of the Site;

▪   Your violation of these Terms;

▪   Your submission of false or misleading information;

▪   Any act taken by you outside the scope of the limited authority granted to you, including any execution, amendment, extension, or waiver of a purchase and sale agreement that ORC has not approved in writing.

THIS INDEMNITY DOES NOT REACH THE DEPOSIT PRINCIPAL

Nothing in this Section creates any obligation on your part in respect of the earnest money deposit itself. You do not indemnify ORC against loss of the deposit, and you are not liable for the deposit principal, in any circumstance.


  1. GOVERNING LAW & DISPUTE RESOLUTION


These Terms are governed by the laws of the State of Wyoming, without regard to conflict 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. Arbitration shall take place in the county in which ORC's principal place of business is located. The prevailing party is 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.



  1. 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 any third-party site is at your own risk.



  1. GEOGRAPHIC RESTRICTIONS


ORC's services are available only in the states listed on the Site. ORC does not fund transactions in California, Hawaii, Utah, Vermont, or Kansas. Eligibility in any state not expressly listed is determined case by case.



  1. TERMINATION


ORC may terminate or suspend your access to the Site and the services at any time, without notice, for any reason, including violation of these Terms. All provisions that by their nature should survive termination shall survive, including Sections 7, 9, 10, 11, and 12.


  1. SEVERABILITY & ENTIRE AGREEMENT


If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect. These Terms, together with the Privacy Policy and the 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.


For a funded transaction, the Call Option Agreement and related transaction documents govern the parties' rights and obligations in respect of that transaction. In the event of a conflict between these Terms and those documents, the transaction documents control.



  1. 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


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