Important Disclosures

Last Updated: December 15, 2025

1. General Lending Disclosures

PrimeBridge Capital (PBC) is a private financing company that arranges and provides loans through a network of private lenders and investors. We are not a traditional bank or credit union.

2. Loan Brokerage Services

PBC acts as a loan broker and may connect you with third-party lenders. We are compensated by lenders for our services. The terms of your loan, including interest rates and fees, will be determined by the lender who ultimately funds your loan.

3. Interest Rates and APR

Variable Rates: Interest rates and Annual Percentage Rates (APR) are based on multiple factors including credit history, loan amount, loan term, and collateral. Rates may vary significantly based on individual circumstances.

Representative Example: A loan of $25,000 with a 5-year term at 8.99% APR would result in 60 monthly payments of approximately $518. Total amount repaid would be $31,080.

Rate Range: Our loans typically range from 3.99% to 35.99% APR depending on creditworthiness and loan type.

4. Fees and Charges

Fees may include but are not limited to:

  • Origination Fee: 0% to 6% of loan amount
  • Application Fee: $0 to $500 (if applicable)
  • Processing Fee: $0 to $300
  • Late Payment Fee: 5% of missed payment or $25, whichever is greater
  • Returned Payment Fee: $25 to $50
  • Prepayment Penalty: May apply to certain loans (disclosed in loan agreement)

5. Credit Authorization

By submitting an application, you authorize PrimeBridge Capital and its lending partners to:

  • Obtain your consumer credit report from one or more credit reporting agencies
  • Verify information you provide through third-party databases
  • Contact your employer to verify employment and income
  • Share your information with potential lenders and investors

Credit Inquiries: Initial rate quotes may use a soft inquiry that does not affect your credit score. Final loan approval requires a hard inquiry which may temporarily impact your credit score.

6. No Guarantee of Approval

Submitting an application does not guarantee loan approval. All applications are subject to credit review and underwriting approval. Approval rates and loan terms vary based on individual circumstances.

7. State Licensing Information

PrimeBridge Capital is licensed to operate in all 50 states. Our licensing information:

  • NMLS ID: [License Number]
  • State licenses available upon request
  • Licensed as a mortgage broker and lender in applicable states

8. Equal Housing Opportunity

PrimeBridge Capital is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, sexual orientation, or source of income.

9. Fair Lending Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of protected characteristics. If you believe you have been discriminated against, you should contact:

  • Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov
  • Federal Trade Commission (FTC): www.ftc.gov

10. Truth in Lending Act (TILA) Disclosures

Under federal law, you have the right to receive the following information before committing to a loan:

  • Annual Percentage Rate (APR)
  • Finance charge
  • Amount financed
  • Total of payments
  • Payment schedule

These disclosures will be provided in your loan agreement.

11. Right to Cancel (Rescission Rights)

For certain loan types secured by your primary residence, you have the right to cancel within three business days of signing the loan agreement without penalty.

12. Collection Practices

In the event of default, we may:

  • Report delinquencies to credit bureaus
  • Engage collection agencies
  • Pursue legal action
  • Seize collateral (for secured loans)

We comply with the Fair Debt Collection Practices Act (FDCPA).

13. Data Security and Privacy

We use industry-standard security measures including 256-bit SSL encryption to protect your personal and financial information. For more details, see our Privacy Policy.

14. Electronic Communications Consent

By using our services, you consent to receive electronic communications, including email, text messages, and automated phone calls regarding your application and account. You may opt out of marketing communications at any time.

15. Arbitration Agreement

Your loan agreement may include an arbitration clause requiring disputes to be resolved through binding arbitration rather than in court. This may limit your right to jury trial and participation in class action lawsuits.

16. Military Lending Act (MLA) Compliance

We comply with the Military Lending Act which provides special protections for active-duty service members and their dependents. Covered borrowers may be entitled to a 36% APR cap and other protections.

17. Servicemembers Civil Relief Act (SCRA)

Active-duty military members may be entitled to reduced interest rates and other protections under the SCRA. Please contact us if you are called to active duty.

18. State-Specific Disclosures

Additional disclosures may apply based on your state of residence. State-specific terms will be provided in your loan agreement.

19. Bankruptcy Disclosure

Bankruptcy will affect your ability to obtain credit and may remain on your credit report for up to 10 years. You should consider all options, including credit counseling, before filing for bankruptcy.

20. Questions and Complaints

If you have questions or wish to file a complaint, please contact:

PrimeBridge Capital (PBC)
123 Financial Boulevard, Suite 400
New York, NY 10001
Email: compliance@primebridgecapital.com
Phone: (123) 456-7890

You may also file complaints with:

  • Consumer Financial Protection Bureau: www.consumerfinance.gov/complaint
  • Your state's Attorney General office
  • Your state's Department of Financial Services