BrokerBridge™

Broker Referral Terms & Privacy Policy

Effective: July 17, 2026
Last Updated: July 17, 2026

Scope: These Broker Referral Terms & Privacy Policy ("Terms") govern broker referrals submitted to TrustBridge Capital for business-purpose financing only. These Terms do not apply to owner-occupied one-to-four (1–4) family residential mortgage loans or any consumer-purpose credit transaction.

Acceptance of These Terms

By submitting a Broker Registration, Scenario/Deal Intake, referral, loan scenario, or other information to TrustBridge Capital, Broker acknowledges that it has read, understands, and agrees to be bound by these Terms. Electronic submission constitutes Broker's acceptance of these Terms and has the same legal effect as a handwritten signature to the fullest extent permitted by applicable law.

AT-A-GLANCE (How Broker Referrals Work)

1. Register the Client. Submit a Broker Registration, Scenario/Deal Intake, or email to deals@trustbridgecap.com including the Client's name, contact information, property address, and requested loan product. TrustBridge Capital time-stamps every submission.

2. Broker of Record. Subject to these Terms, the submitting Broker becomes the Broker of Record for the applicable Protected Deal for twenty-four (24) months from registration or the last documented material activity.

3. Compensation. If a loan funds, TrustBridge Capital will pay Broker compensation in accordance with these Terms, applicable law, underwriting requirements, pricing, investor requirements, and any Risk-Based Adjustment described below.

1) Definitions

"TrustBridge Capital," "TBC," "we," "our," or "us" means TrustBridge Capital™, together with its parent companies, subsidiaries, affiliates, successors, assigns, warehouse lenders, investors, capital partners, loan purchasers, servicers, and any entity participating in the applicable transaction.

"Broker" means the individual or business entity submitting a referral to TrustBridge Capital.

"Client" means the individual or business entity introduced by Broker, including any owners, principals, guarantors, affiliates, successors, assigns, subsidiaries, parent companies, entities under common ownership or control, and any related borrowing entities created for the transaction.

"Referral" means a submission containing sufficient identifying information to permit TrustBridge Capital to identify the Client and evaluate a financing opportunity.

"Protected Deal" means the financing transaction submitted by Broker, together with any substantially similar replacement, extension, modification, restructuring, renewal, or continuation of that transaction during the Protection Period.

2) Client Registration & Broker of Record

A Referral is registered when submitted through TrustBridge Capital's Broker Registration, Scenario/Deal Intake, or by email to deals@trustbridgecap.com containing the Client's name, contact information, property address, and requested loan product.

TrustBridge Capital shall time-stamp receipt within its internal systems, and that internal record shall control for purposes of determining registration.

Subject to these Terms, the submitting Broker shall be recognized as the Broker of Record for the applicable Protected Deal throughout the Protection Period unless an exclusion under these Terms applies.

Nothing in these Terms prohibits TrustBridge Capital from communicating directly with the Client regarding underwriting, due diligence, documentation, servicing, compliance, funding, collections, loan administration, or any other legitimate business purpose.

3) Protection Period & Exclusions

The Protection Period remains in effect for twenty-four (24) months beginning on the later of:

• the referral registration date; or 
• the last documented material activity relating to the Protected Deal, including updated documentation, issuance of a term sheet, underwriting review, appraisal order, credit review, investor review, or other documented loan activity. 

Broker protection shall not apply if:

(a) TrustBridge Capital maintained a documented active relationship with the Client before the referral was submitted;

(b) the Client becomes unresponsive for ninety (90) consecutive days following reasonable joint follow-up efforts;

(c) Broker withdraws the Referral or instructs TrustBridge Capital to discontinue communications;

(d) the Client independently requests financing for a materially different loan product and expressly declines Broker representation;

(e) duplicate or competing broker registrations are received;

(f) licensing, regulatory, compliance, sanctions, fraud, legal, or investor requirements prevent the transaction from proceeding;

(g) Broker materially fails to participate in the transaction, abandons the Referral, or fails to respond within a commercially reasonable time;

(h) Broker materially breaches these Terms; or

(i) Broker provides materially false, misleading, incomplete, or fraudulent information.

Protection extends to TrustBridge Capital affiliates and capital partners solely with respect to the applicable Protected Deal and shall not apply to unrelated future transactions.

4) Non-Circumvention / Non-Solicitation

TrustBridge Capital will not knowingly circumvent Broker by intentionally inducing a properly registered Client to exclude Broker from the applicable Protected Deal.

Routine communications necessary to originate, underwrite, process, close, fund, purchase, service, administer, modify, extend, enforce, or collect a loan shall not constitute circumvention.

Routine marketing, educational communications, customer service, portfolio management, investor reporting, servicing communications, and responses to borrower inquiries likewise shall not constitute circumvention.

Nothing contained in these Terms restricts TrustBridge Capital from maintaining existing customer relationships, advertising its products or services, developing new business opportunities, or conducting its lending operations in the ordinary course of business.

5) Reservation of Rights

TrustBridge Capital reserves the right, in its sole discretion, to determine loan eligibility, underwriting requirements, pricing, compensation, documentation requirements, capital partner selection, servicing arrangements, funding sources, closing conditions, and all other aspects of any transaction.

Nothing contained in these Terms shall be interpreted as creating an exclusive relationship between Broker and TrustBridge Capital or restricting TrustBridge Capital's ability to conduct its business in the ordinary course.

6) Broker Compensation; Caps, Prohibitions & Disbursement

Broker compensation shall be earned only upon the successful closing and funding of the applicable Protected Deal and only after satisfaction of all underwriting, investor, compliance, legal, regulatory, and closing requirements.

No commission, fee, referral payment, or other compensation is earned by the Broker unless and until loan proceeds are disbursed.

All compensation remains subject to:

• applicable federal, state, and local laws; 
• investor and capital partner requirements; 
• TrustBridge Capital's internal policies and procedures; 
• licensing requirements; 
• underwriting approval; 
• funding of the applicable transaction; and 
• these Terms. 

TrustBridge Capital shall not be obligated to pay duplicate commissions, referral fees, or compensation to multiple parties for the same transaction.

Where multiple brokers, referral sources, or introducing parties claim an interest in the same transaction, TrustBridge Capital may, in its sole discretion:

• recognize the Broker of Record; 
• allocate compensation among participating parties; 
• require written agreements among the parties; 
• suspend payment until the dispute is resolved; or 
• decline payment until legal ownership of the referral is reasonably established. 

Nothing contained herein guarantees that compensation will equal any particular percentage, fee, spread, premium, or amount.

7) Risk-Based Compensation Adjustments

Broker compensation may be increased, decreased, restructured, or eliminated based upon legitimate business considerations, including, without limitation:

• loan size; 
• loan complexity; 
• property type; 
• transaction risk; 
• sponsor experience; 
• credit quality; 
• liquidity; 
• leverage; 
• pricing changes; 
• investor requirements; 
• warehouse lender requirements; 
• capital market conditions; 
• underwriting considerations; 
• servicing considerations; 
• legal or regulatory requirements; 
• fraud prevention; 
• operational considerations; 
• compliance requirements; 
• profitability; 
• relationship considerations; or 
• any other legitimate business reason. 

Accordingly, TrustBridge Capital reserves the right to reduce broker compensation to 0.00% where necessary or appropriate.

Any compensation modification shall not constitute bad faith, circumvention, or breach of these Terms.

8) Broker Responsibilities

Broker represents and warrants that:

• all information submitted is true, complete, and accurate to the best of Broker's knowledge; 
• Broker possesses all licenses and authorizations required by applicable law; 
• Broker has the legal authority to introduce the Client; 
• Broker has obtained all required consents for the collection, use, disclosure, and transmission of Client information; 
• Broker will promptly disclose any known material changes affecting the transaction; 
• Broker will comply with all applicable federal, state, and local laws and regulations; 
• Broker will not engage in fraudulent, deceptive, misleading, or unlawful conduct; and 
• Broker will cooperate in good faith throughout the financing process. 

Broker remains solely responsible for its own regulatory compliance, licensing, tax obligations, advertising practices, disclosures, and contractual obligations owed to its Client.

TrustBridge Capital assumes no responsibility for Broker's independent legal or regulatory obligations.

9) TrustBridge Capital Discretion

TrustBridge Capital retains sole and absolute discretion regarding:

• acceptance or rejection of any Referral; 
• underwriting decisions; 
• credit approval; 
• pricing; 
• loan structure; 
• required documentation; 
• appraisal requirements; 
• environmental requirements; 
• title requirements; 
• due diligence; 
• investor selection; 
• funding source; 
• servicing; 
• modifications; 
• extensions; 
• renewals; 
• assignments; 
• purchases; 
• participation interests; and 
• closing conditions. 

Submission of a Referral does not create an obligation to originate, approve, fund, purchase, service, or continue any financing transaction.

Nothing contained herein shall be interpreted as a commitment to lend or an agreement to provide financing.

10) Confidential Information

Each party agrees to maintain the confidentiality of non-public information received from the other party and to use such information solely for purposes of evaluating, processing, closing, servicing, administering, or enforcing the applicable transaction.

Confidential Information does not include information that:

• is publicly available through no wrongful act; 
• was lawfully obtained from an independent source; 
• was already known without confidentiality restrictions; 
• is independently developed without use of Confidential Information; or 
• must be disclosed pursuant to law, court order, subpoena, regulatory examination, or governmental request. 

TrustBridge Capital may disclose Confidential Information to its employees, affiliates, attorneys, accountants, investors, warehouse lenders, capital partners, rating agencies, auditors, title companies, appraisers, insurance providers, servicers, regulators, government agencies, and other third parties as reasonably necessary to evaluate, originate, fund, sell, participate, service, administer, enforce, or otherwise conduct the applicable transaction.

Such disclosures shall not constitute a violation of these Terms.

11) Privacy & Data Protection

TrustBridge Capital respects the privacy of Brokers, Clients, and all individuals whose information is submitted in connection with a Referral.

Broker represents and warrants that it has obtained all required permissions, authorizations, notices, and consents necessary to provide personal, financial, business, and property-related information to TrustBridge Capital.

TrustBridge Capital may collect, receive, use, process, store, analyze, disclose, transfer, and retain information submitted in connection with a Referral for legitimate business purposes, including, without limitation:

• evaluating financing opportunities; 
• underwriting; 
• credit analysis; 
• fraud prevention; 
• identity verification; 
• regulatory compliance; 
• sanctions screening; 
• anti-money laundering compliance; 
• appraisal and valuation services; 
• title review; 
• insurance verification; 
• servicing; 
• investor reporting; 
• loan sales; 
• participation interests; 
• securitization; 
• litigation; 
• enforcement of legal rights; and 
• other lawful business purposes. 

TrustBridge Capital may disclose information to:

• affiliated companies; 
• investors; 
• warehouse lenders; 
• capital partners; 
• loan purchasers; 
• servicers; 
• attorneys; 
• accountants; 
• auditors; 
• regulators; 
• government agencies; 
• appraisal management companies; 
• appraisers; 
• title companies; 
• insurance providers; 
• technology vendors; 
• document custodians; 
• payment processors; and 
• other service providers reasonably necessary to facilitate the transaction. 

TrustBridge Capital does not sell personal information for monetary consideration. Where applicable law defines certain advertising, analytics, or similar activities as "sharing" or "targeted advertising," TrustBridge Capital will provide any notices and opt-out rights required by applicable law.

Additional information regarding our privacy practices is available in our separate Privacy Policy, which is incorporated herein by reference.

12) Electronic Communications & Electronic Signatures

Broker consents to receive communications electronically, including through:

• email; 
• secure portals; 
• electronic signature platforms; 
• telephone; 
• SMS or text messaging (where consent has been provided); 
• automated systems; and 
• other commercially reasonable electronic communication methods. 

Broker agrees that electronic records, electronic signatures, electronic acknowledgments, electronic transmissions, and electronic communications satisfy any legal requirement that communications be in writing.

Electronic records shall be admissible to the fullest extent permitted by applicable law.

13) Intellectual Property

All content provided by TrustBridge Capital, including without limitation:

• trademarks; 
• service marks; 
• logos; 
• product names; 
• trade names; 
• software; 
• technology; 
• graphics; 
• forms; 
• pricing models; 
• underwriting methodologies; 
• documentation; 
• marketing materials; 
• website content; 
• educational materials; 
• proprietary workflows; 
• trade secrets; and 
• other intellectual property, 

remain the exclusive property of TrustBridge Capital or its licensors.

Nothing contained in these Terms grants Broker any ownership interest, license, or intellectual property rights except the limited right to use publicly available marketing materials solely for promoting TrustBridge Capital's financing programs in accordance with applicable law and TrustBridge Capital branding guidelines.

Broker shall not copy, modify, distribute, reproduce, reverse engineer, publish, sublicense, or commercially exploit TrustBridge Capital intellectual property without prior written consent.

14) Compliance With Laws

Broker shall comply with all applicable:

• federal laws; 
• state laws; 
• local laws; 
• licensing requirements; 
• privacy laws; 
• anti-money laundering laws; 
• sanctions regulations; 
• anti-fraud laws; 
• advertising regulations; 
• consumer protection laws (where applicable); 
• data security laws; and 
• all other applicable legal requirements. 

TrustBridge Capital reserves the right to suspend, reject, or terminate any Referral where it reasonably believes a legal, regulatory, licensing, fraud, sanctions, or compliance concern exists.

Nothing contained herein requires TrustBridge Capital to proceed with any transaction that may expose the company to legal, regulatory, financial, reputational, operational, or compliance risk.

15) No Partnership; Independent Relationship

Broker is an independent business entity.

Nothing contained in these Terms creates or shall be construed as creating:

• an employment relationship; 
• agency relationship; 
• partnership; 
• joint venture; 
• fiduciary relationship; 
• franchise; 
• representative relationship; or 
• exclusive business arrangement. 

Broker possesses no authority to:

• bind TrustBridge Capital; 
• make commitments on behalf of TrustBridge Capital; 
• modify loan terms; 
• guarantee financing; 
• quote final pricing; 
• approve loans; 
• execute agreements; 
• waive company policies; or 
• otherwise obligate TrustBridge Capital in any manner. 

Any statements made by Broker concerning TrustBridge Capital products remain solely Broker's responsibility unless expressly authorized in writing by TrustBridge Capital.

16) Limitation of Liability

To the fullest extent permitted by applicable law, TrustBridge Capital, its parent companies, subsidiaries, affiliates, investors, warehouse lenders, capital partners, loan purchasers, servicers, officers, directors, managers, members, employees, agents, successors, and assigns shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or speculative damages arising out of or relating to these Terms, any Referral, any Protected Deal, or any financing transaction, including, without limitation:

• lost profits; 
• lost commissions; 
• lost business opportunities; 
• lost goodwill; 
• lost revenue; 
• loss of anticipated savings; 
• business interruption; 
• reputational harm; 
• delay damages; or 
• consequential economic losses, 

regardless of the legal theory asserted, including contract, tort, negligence, strict liability, or otherwise, even if advised of the possibility of such damages.

To the fullest extent permitted by law, TrustBridge Capital's aggregate liability arising from or relating to these Terms shall not exceed the amount of broker compensation actually paid by TrustBridge Capital to Broker for the specific Protected Deal giving rise to the claim.

Certain jurisdictions do not permit the exclusion or limitation of certain damages. In such jurisdictions, the foregoing limitations shall apply only to the maximum extent permitted by applicable law.

17) Indemnification

Broker agrees to defend, indemnify, and hold harmless TrustBridge Capital, together with its parent companies, subsidiaries, affiliates, investors, warehouse lenders, capital partners, loan purchasers, servicers, officers, directors, managers, members, employees, agents, successors, and assigns from and against any and all claims, demands, actions, investigations, proceedings, damages, judgments, settlements, penalties, fines, losses, liabilities, costs, and expenses, including reasonable attorneys' fees and litigation expenses, arising out of or relating to:

• Broker's breach of these Terms; 
• Broker's negligence or willful misconduct; 
• Broker's violation of applicable law; 
• inaccurate, misleading, or fraudulent information provided by Broker; 
• Broker's failure to obtain required authorizations or consents; 
• disputes between Broker and its Client; 
• disputes among brokers or referral sources; 
• licensing or regulatory violations; 
• advertising or marketing activities conducted by Broker; 
• privacy or data protection violations attributable to Broker; or 
• any act or omission of Broker giving rise to third-party liability. 

Broker's indemnification obligations shall survive the expiration or termination of these Terms.

18) No Warranties

Except as expressly stated in writing by TrustBridge Capital, all products, services, referrals, underwriting, pricing, technology, websites, portals, communications, and information are provided on an "AS IS" and "AS AVAILABLE" basis.

TrustBridge Capital expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including, without limitation:

• merchantability; 
• fitness for a particular purpose; 
• title; 
• non-infringement; 
• uninterrupted availability; 
• error-free operation; 
• accuracy; 
• completeness; and 
• suitability for any particular transaction. 

TrustBridge Capital makes no representation or warranty that:

• any Referral will be accepted; 
• any loan will be approved; 
• financing will be available; 
• pricing will remain unchanged; 
• investors will participate; 
• technology will operate without interruption; or 
• any transaction will successfully close. 

19) Force Majeure

TrustBridge Capital shall not be liable for any delay, interruption, suspension, failure to perform, or inability to fulfill any obligation resulting from events beyond its reasonable control, including, without limitation:

• acts of God; 
• natural disasters; 
• severe weather; 
• flood; 
• fire; 
• pandemic; 
• epidemic; 
• war; 
• terrorism; 
• civil unrest; 
• labor disputes; 
• utility failures; 
• internet outages; 
• telecommunications failures; 
• cyberattacks; 
• ransomware; 
• governmental action; 
• changes in law; 
• regulatory actions; 
• investor funding interruptions; 
• banking disruptions; 
• failures of third-party service providers; or 
• other events beyond TrustBridge Capital's reasonable control. 

Performance shall be suspended only for the duration of the applicable force majeure event.

20) Termination

TrustBridge Capital may suspend, reject, or terminate Broker's participation under these Terms immediately, with or without notice, if TrustBridge Capital reasonably determines that:

• Broker has breached these Terms; 
• Broker has violated applicable law; 
• Broker no longer satisfies licensing requirements; 
• Broker has engaged in fraud, deception, dishonesty, or unethical conduct; 
• regulatory, investor, legal, or compliance concerns exist; 
• continuation of the relationship presents operational, financial, reputational, or legal risk; or 
• termination is otherwise necessary to protect TrustBridge Capital or its business interests. 

Termination shall not affect:

• obligations that expressly survive termination; 
• confidentiality obligations; 
• indemnification obligations; 
• accrued rights; 
• dispute resolution provisions; or 
• any rights or remedies available under applicable law.

 21) Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Nothing contained herein shall be construed to deprive TrustBridge Capital of any rights, remedies, or protections available under applicable federal law.

22) Venue; Jurisdiction

Broker irrevocably agrees that any dispute, claim, action, or proceeding arising out of or relating to these Terms, any Referral, any Protected Deal, or the relationship between Broker and TrustBridge Capital shall be brought exclusively in the state or federal courts located in the State of New York.

Broker irrevocably:

• submits to the personal jurisdiction of such courts; 
• waives any objection based upon improper venue or forum non conveniens; and 
• agrees that such courts constitute a convenient and appropriate forum for resolution of all disputes. 

Nothing contained herein limits TrustBridge Capital's right to seek injunctive relief, equitable relief, attachment, or other provisional remedies in any court of competent jurisdiction where such relief is necessary to protect its rights or interests.

23) Dispute Resolution

Before commencing litigation, the parties agree to make a good-faith effort to resolve any dispute through informal discussions.

If the dispute cannot be resolved through informal discussions, either party may pursue any remedy available at law or in equity.

Nothing contained herein prevents TrustBridge Capital from immediately seeking:

• temporary restraining orders; 
• preliminary injunctions; 
• permanent injunctions; 
• specific performance; 
• equitable relief; 
• collection actions; or 
• other emergency judicial relief, 

where necessary to protect confidential information, intellectual property, business relationships, contractual rights, or other legitimate business interests.

24) Notices

All notices required or permitted under these Terms shall be in writing and delivered by one or more of the following methods:

• email; 
• nationally recognized overnight courier; 
• certified U.S. Mail, return receipt requested; or 
• personal delivery. 

Electronic notice shall be deemed received upon transmission unless the sender receives notice of non-delivery.

Broker shall be responsible for maintaining current contact information with TrustBridge Capital.

Official notices to TrustBridge Capital shall be directed to:

TrustBridge Capital, LLC
307 West 38th Street, 16th Floor, Suite 1013
New York, NY 10018

Legal Notices: legal@trustbridgecap.com

Privacy Requests: hr@trustbridgecap.com

Broker & Loan Scenario Submissions: deals@trustbridgecap.com

25) Assignment

Broker may not assign, transfer, delegate, pledge, or otherwise convey any rights or obligations under these Terms without the prior written consent of TrustBridge Capital.

Any attempted assignment in violation of this Section shall be null and void.

TrustBridge Capital may assign, transfer, delegate, sell, participate, pledge, or otherwise transfer its rights or obligations under these Terms, in whole or in part, without Broker's consent, including in connection with:

• mergers; 
• acquisitions; 
• corporate reorganizations; 
• loan sales; 
• servicing transfers; 
• investor transactions; 
• warehouse financing; 
• participation agreements; 
• securitizations; or 
• other legitimate business transactions. 

These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

26) Severability

If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such determination shall not affect the validity or enforceability of the remaining provisions.

The invalid or unenforceable provision shall be deemed modified only to the minimum extent necessary to render it enforceable while preserving the original intent of the parties to the fullest extent permitted by law.

27) No Waiver

No failure or delay by TrustBridge Capital in exercising any right, power, or remedy under these Terms shall constitute a waiver of that right, power, or remedy.

Any waiver shall be effective only if made in a written instrument signed by an authorized officer of TrustBridge Capital.

A waiver of any breach shall not constitute a waiver of any subsequent or continuing breach.

28) Survival

The following provisions shall survive the expiration or termination of these Terms:

• Broker Compensation (to the extent accrued); 
• Confidentiality; 
• Privacy & Data Protection; 
• Intellectual Property; 
• Limitation of Liability; 
• Indemnification; 
• Governing Law; 
• Venue; 
• Dispute Resolution; 
• No Warranties; 
• Force Majeure; 
• Survival; 
• and any other provision that by its nature is intended to survive termination. 

29) Entire Agreement

These Terms constitute the entire agreement between Broker and TrustBridge Capital regarding the subject matter addressed herein and supersede all prior or contemporaneous discussions, negotiations, understandings, representations, proposals, communications, or agreements, whether oral or written, relating to Broker referrals.

These Terms supplement, and do not replace, any separate written Broker Agreement executed by the parties. In the event of a conflict between these Terms and a fully executed Broker Agreement, the executed Broker Agreement shall control solely with respect to the specific subject matter addressed therein.

No amendment or modification of these Terms shall be effective unless made in writing and authorized by TrustBridge Capital.

Contact Information

TrustBridge Capital, LLC
307 West 38th Street, 16th Floor, Suite 1013
New York, NY 10018

Main Office: 646-516-4222
Website: https://trustbridgecap.com

Broker & Loan Scenario Submissions:
deals@trustbridgecap.com

Legal Inquiries:
legal@trustbridgecap.com

Privacy Requests:
hr@trustbridgecap.com

© 2026 TrustBridge Capital, LLC. All Rights Reserved.

TrustBridge Capital™, CapitalConnect™, EasyFlip™, BuildSmart™, RentFlow™, QuickBridge™, BlendBridge™, HomeFlex™, and all related names, logos, product names, service marks, trademarks, branding, content, and proprietary materials are the property of TrustBridge Capital, LLC or its licensors. Unauthorized use, reproduction, distribution, or modification is strictly prohibited.