TERMS OF USE

Effective Date: August 24, 2026

Welcome to the website of BCH Funding Solutions LLC ("BCH Funding Solutions," "BCH," "Company," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website, online forms, applications, communications, and other services made available through this website (collectively, the "Website").

By accessing or using this Website, submitting information, or requesting information regarding financing, you acknowledge that you have read, understood, and agree to these Terms.
If you do not agree with these Terms, please do not use this Website.

1. PURPOSE OF THIS WEBSITE
BCH Funding Solutions provides information regarding financing solutions that may be available to real estate investors, business owners, developers, and other qualified borrowers.

Financing solutions discussed on this Website may include, but are not limited to:

Programs and availability may change at any time.
Information presented on this Website is intended for general informational and marketing purposes and should not be interpreted as a commitment to provide financing.

2. NO GUARANTEE OF FINANCING
Submitting an inquiry, application, property information, or other information to BCH Funding Solutions does not guarantee approval, financing, funding, or any particular loan terms.
All financing is subject to applicable underwriting requirements, which may include consideration of factors such as:

BCH Funding Solutions makes no representation or guarantee that any applicant will qualify for financing.

3. NO LOAN COMMITMENT
Nothing contained on this Website constitutes a loan approval, loan commitment, commitment to lend, term sheet, financing agreement, or legally binding offer of credit.
A financing transaction is not approved merely because preliminary terms, estimated rates, estimated payments, estimated loan amounts, or other potential financing terms have been discussed.
Any financing commitment must be provided through appropriate written documentation by the party authorized to provide the financing.

4. RATES, TERMS AND PROGRAM INFORMATION
Any rates, loan amounts, leverage percentages, loan-to-value ratios, loan-to-cost ratios, estimated payments, closing timelines, fees, points, terms, or other financing information appearing on this Website are for general informational purposes unless expressly stated otherwise in a formal written financing agreement.
Actual financing terms may vary based upon the borrower, property, transaction, market conditions, capital source, underwriting requirements, and other factors.
Interest rates and financing programs are subject to change without notice.
BCH Funding Solutions does not guarantee that any rate, term, loan amount, closing timeframe, or financing program displayed or discussed will be available to a particular borrower or transaction.

5. BUSINESS-PURPOSE FINANCING
Financing products marketed through this Website are intended primarily for business-purpose and real estate investment transactions, unless expressly stated otherwise.
Certain financing programs may not be available for owner-occupied residential properties or consumer-purpose transactions.
Applicants are responsible for accurately disclosing the intended use and occupancy of any property involved in a financing request.

6. THIRD-PARTY LENDERS AND CAPITAL PROVIDERS
Depending upon the financing program and transaction, BCH Funding Solutions may work with or introduce applicants to third-party lenders, private lenders, financial institutions, capital providers, brokers, service providers, or other financing sources.
When a third party provides financing, that party may establish its own underwriting requirements, rates, fees, terms, documentation requirements, privacy practices, and approval criteria.
BCH Funding Solutions is not responsible for the independent actions, underwriting decisions, policies, products, services, or performance of unaffiliated third parties.
Where required, BCH Funding Solutions will provide disclosures regarding its role in a particular transaction.

7. FEES AND CLOSING COSTS
Financing transactions may involve costs including, but not limited to:

Fees and costs vary by transaction and financing source.
Any applicable fees associated with a specific financing transaction should be disclosed in the appropriate transaction documentation.

8. INFORMATION PROVIDED BY USERS
You agree that information submitted to BCH Funding Solutions will be truthful, accurate, current, and complete to the best of your knowledge.
This may include information regarding:

Providing false, misleading, fraudulent, or materially incomplete information may result in termination of the financing review or application process.

9. AUTHORIZATION TO CONTACT YOU
When you voluntarily submit your contact information through this Website, you authorize BCH Funding Solutions to contact you regarding your inquiry, financing request, application, or related products and services using the contact information you provide.
Communications may occur by telephone, email, or text message, subject to applicable law and any consent language presented when you submit your information.
Consent to receive marketing communications is not intended to be a condition of obtaining financing where prohibited by law.
You may request that marketing communications stop in accordance with the instructions contained in those communications or applicable law.

10. ELECTRONIC COMMUNICATIONS
By communicating with BCH Funding Solutions electronically, you consent to receive communications from us electronically where permitted by law.
Electronic communications may include emails, notices, disclosures, document requests, and other communications relating to your inquiry or financing transaction.
You are responsible for maintaining a valid email address and accurate contact information.

11. PRIVACY
Your use of this Website is also subject to the BCH Funding Solutions Privacy Policy.
Information submitted through this Website will be handled in accordance with our Privacy Policy and applicable law.
You should review the Privacy Policy before submitting personal, financial, or other sensitive information.

12. NO FINANCIAL, TAX, INVESTMENT OR LEGAL ADVICE
Information provided through this Website is not intended to constitute financial, investment, accounting, tax, or legal advice.
Real estate financing and investment transactions can involve substantial financial risk.
You should consult your own attorney, accountant, tax professional, financial advisor, insurance professional, or other qualified advisor regarding your individual circumstances before entering into a financing or real estate transaction.

13. REAL ESTATE INVESTMENT RISK
Real estate investing involves risk, including the potential loss of invested capital.
Property values, rents, occupancy, construction costs, interest rates, operating expenses, market conditions, financing availability, and other factors may change.
BCH Funding Solutions does not guarantee the profitability, performance, appreciation, cash flow, resale value, or success of any real estate investment.
Borrowers and investors are responsible for conducting their own due diligence before acquiring, financing, renovating, developing, refinancing, or selling real estate.

14. ESTIMATES AND CALCULATORS
Any calculators, examples, illustrations, projected payments, return calculations, DSCR calculations, loan estimates, or other financial tools provided through this Website are for informational purposes only.
Results are estimates and may differ materially from actual financing terms or investment results.
Such calculations should not be considered financing approvals, commitments, guarantees, or professional financial advice.

15. WEBSITE ACCURACY
BCH Funding Solutions attempts to provide accurate and useful information. However, we do not warrant that all Website information will always be complete, accurate, current, or error-free.
Financing markets, rates, programs, lending guidelines, and underwriting requirements can change rapidly.
We reserve the right to correct errors and update or modify Website content without notice.

16. INTELLECTUAL PROPERTY
Unless otherwise stated, Website content—including text, graphics, branding, logos, designs, layouts, photographs, videos, and other materials—is owned by or licensed to BCH Funding Solutions and is protected by applicable intellectual property laws.
You may view and use Website materials for personal or legitimate business purposes related to evaluating BCH Funding Solutions.
You may not reproduce, distribute, modify, republish, sell, or commercially exploit Website content without prior written permission, except as permitted by law.

17. PROHIBITED USE
You agree not to use the Website:

BCH Funding Solutions may restrict or terminate access to the Website for suspected misuse.

18. THIRD-PARTY WEBSITES
The Website may contain links to third-party websites or services.
These links are provided for convenience and do not necessarily constitute an endorsement.
BCH Funding Solutions does not control and is not responsible for the content, security, privacy policies, accuracy, products, or services of third-party websites.
Use of third-party websites is at your own discretion and subject to their respective terms and policies.

19. DISCLAIMER OF WARRANTIES
To the fullest extent permitted by law, the Website and its content are provided on an "as is" and "as available" basis.
BCH Funding Solutions makes no warranties, express or implied, regarding Website availability, accuracy, reliability, suitability, or fitness for a particular purpose.
We do not warrant that the Website will operate without interruption, error, security vulnerabilities, or technical problems.

20. LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, BCH Funding Solutions and its owners, officers, employees, representatives, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of the Website or reliance upon information presented through it.
Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.

21. INDEMNIFICATION
To the extent permitted by applicable law, you agree to indemnify and hold harmless BCH Funding Solutions LLC and its owners, officers, employees, representatives, contractors, and affiliates from claims, damages, liabilities, losses, or expenses arising from your unlawful use of the Website, your violation of these Terms, or information you knowingly provide that is materially false or fraudulent.

22. LICENSING AND GEOGRAPHIC AVAILABILITY
Financing products and services may not be available in every state or jurisdiction.
Nothing on this Website should be interpreted as an offer or solicitation in a jurisdiction where such activity would be prohibited or where required authorization has not been obtained.
BCH Funding Solutions will conduct activities subject to applicable federal, state, and local laws and any licensing or registration requirements applicable to the particular transaction.

23. FAIR LENDING
BCH Funding Solutions supports fair and responsible access to financing and does not intend to discriminate against applicants on any basis prohibited by applicable law.
Financing decisions are subject to applicable underwriting requirements and the policies of the financing source involved in the transaction.

24. CHANGES TO THESE TERMS
BCH Funding Solutions may revise these Terms periodically.
Changes will become effective when the revised Terms are posted to the Website unless otherwise required by law.
The effective date displayed at the beginning of these Terms indicates the most recent revision.
Continued use of the Website after changes are posted constitutes acceptance of the revised Terms to the extent permitted by law.

25. GOVERNING LAW
These Terms will be governed by and interpreted in accordance with the laws of the state in which BCH Funding Solutions LLC is organized, without regard to conflict-of-law principles, except where federal law or another jurisdiction's law is required to apply.
Any dispute relating to these Terms will be subject to the jurisdiction and venue required or permitted by applicable law.

26. SEVERABILITY
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

27. ENTIRE AGREEMENT
These Terms, together with the Privacy Policy and any other applicable Website policies, constitute the agreement between you and BCH Funding Solutions regarding your use of this Website.
Separate financing agreements, term sheets, loan documents, brokerage agreements, or other transaction-specific agreements may contain additional terms and will govern the applicable financing transaction.

28. CONTACT BCH FUNDING SOLUTIONS
Questions regarding these Terms of Use may be directed to:
BCH Funding Solutions LLC
Email: brad@bchsolutions.co
Phone:
Mailing Address: 651 Wallace Dr., Little River, SC 29566

IMPORTANT FINANCING DISCLOSURE
BCH Funding Solutions LLC provides business-purpose real estate financing information and services subject to applicable law. Financing is not guaranteed. All financing is subject to underwriting, approval, property eligibility, valuation, borrower qualifications, and program availability. Rates, fees, leverage, loan amounts, terms, and closing timelines vary by transaction. Submission of an inquiry or application does not constitute an approval or commitment to lend.

Hard Money Loans

Fix & Flip Financing

Fix & Hold Financing

Rental Property Loans

Debt Service Coverage Ratio (DSCR) Loans

Bridge Financing

Commercial Real Estate Financing

Construction Financing

Acquisition Financing

Refinance and Cash-Out Refinance Financing

Other business-purpose real estate financing

Property type and location

Purchase price

Property value

After-repair value, when applicable

Loan-to-value or loan-to-cost ratios

Debt service coverage ratio

Net operating income

Borrower creditworthiness

Borrower experience

Liquidity and net worth

Available equity

Appraisal or valuation

Property condition

Title

Insurance

Environmental or property reports

Business plan

Exit strategy

Lender requirements

Applicable laws and regulations

Origination fees

Points

Broker or placement fees, where applicable

Appraisal fees

Inspection fees

Legal fees

Title and closing costs

Environmental reports

Property condition assessments

Underwriting or processing fees

Recording fees

Construction draw or inspection fees

Third-party service fees

Your identity

Business entity

Contact information

Property

Purchase agreement

Existing financing

Income or property cash flow

Assets and liabilities

Credit

Investment experience

Construction or renovation budget

Rent roll

Financial statements

Business plan

Intended property use

Exit strategy

For unlawful or fraudulent purposes

To submit false or misleading information

To impersonate another person or business

To interfere with Website security or operation

To attempt unauthorized access to systems or data

To introduce malicious software or harmful code

To collect information about other Website users without authorization

To violate intellectual property rights

In any manner prohibited by applicable law