EZ-APPLICATION

EZ-APPLICATION

BRIDGE | TERM/DSCR | COMMERCIAL
Application Overview

This application is to be completed by the Borrower and/or Co-Borrower(s), as applicable, and their authorized representative, as well as the Guarantor or Co-Guarantor(s) in their individual capacity. Note: Guarantor and Co-Guarantor(s) information must be provided if:The income or assets of a person other than the Borrower will be used as a basis for loan qualification.Guarantor or Co-Guarantor(s)’ liabilities must be considered (e.g., spouse/community property rights).If the property is located in a community property state, Guarantor or Co-Guarantor(s) must rely on such property as a repayment basis.
Select your TBC Advisor:
Select the advisor you’re working with.
Today's Date

MonthDayYear
Borrower/Entity Information
Entity Name:
Enter the full legal name of the entity (e.g., 123 Main St. LLC).
Entity Formation Date:

MonthDayYear
Employer Identification Number (EIN):
Enter the entity’s EIN (9-digit number).Format: XX-XXXXXXX.
Entity Address:

Street Address

Street Address Line 2

CityState

Zip Code
Upload Required Entity Documents: EIN Letter Certificate of Good Standing, Articles of Incorporation, Certificate of Formation. Ensure all documents are legible and complete. Drag and drop files into the upload box or click "Browse Files" to select them from your device.

Additional Notes: Ensure all information provided is accurate and up-to-date. Click "Next" to proceed with the application.
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Primary Guarantor(s) Information

Provide the following details for the primary guarantor (G1)
Guarantor’s Full Legal Name:

(e.g., John)(e.g., Doe)
Date of Birth

MonthDayYear
Guarantor's Email Address:
Enter the primary guarantor’s email address.
Guarantor's Phone Number
Provide the guarantor’s phone number.Format: (000) 000-0000.
Primary Residence Address:

Street Address

Street Address Line 2
CityStateZip Code
Social Security Number (SSN):
Please enter a valid social security number
Primary Residence Ownership:
Do you own or rent your primary residence?
Years at Primary Residence:
Enter the number of years the guarantor has lived at their primary residence (e.g., 23).
Rental Properties Owned:
Enter the total number of rental properties owned by the guarantor (e.g., 3).
Properties Rehabilitated and Sold (36 Months):
Enter the total number of properties the guarantor has rehabilitated and sold within the past 36 months (e.g., 5).
Estimated Credit Score:
Provide the guarantor’s estimated credit score (e.g., 720).
Available Liquidity:
Include cash reserves, accessible funds, or other liquid assets (e.g., $100,000).
Estimated Net Worth:
Include all assets and liabilities to calculate the guarantor’s net worth (e.g., $1,000,000).

Select from the drop-down if there is more than one guarantor.
- G2-Co-Sponsoring Guarantor(s) Information
  
  If applicable, provide the following details for the Co-Sponsoring Guarantor(s) (G2).
- Full Legal Name:
  
  Enter the co-sponsoring guarantor’s full name (e.g., John Doe).
- Date of Birth:
  
  MonthDayYear
- Primary Residence:
  
  Street Address
  
  Street Address Line 2
  CityStateZip Code
- Social Security Number (SSN):
  Provide the guarantor’s Social Security Number (e.g., XXX-XX-XXXX).
- Email Address:
  Enter the guarantor’s email address
- Phone Number:
  Provide the guarantor’s phone number (e.g., (000) 000-0000).
- Primary Residence Ownership:
  Do you own or rent your primary residence?
- Years at Primary Residence:
  Enter the number of years the guarantor has lived at their primary residence (e.g., 5).
- Number of Rental Properties Owned:
  Provide the total number of rental properties owned by the guarantor (e.g., 3).
- Properties Rehabilitated and Sold (36 Months):
  Enter the total number of properties rehabilitated and sold by the guarantor in the last 36 months (e.g., 23).
- Estimated Credit Score:
  Provide the guarantor’s estimated credit score (e.g., 720). Note: We work with all types of credit.
- Available Liquidity:
  Include cash reserves, accessible funds, or other liquid assets (e.g., $100,000).
- Estimated Net Worth:
  Provide the guarantor’s total net worth, including all assets and liabilities (e.g., $1,000,000).
- G3-Co-Sponsoring Guarantor(s) Information
  
  If applicable, provide the following details for the Co-Sponsoring Guarantor(s) (G3).
- Full Legal Name:
  
  Enter the co-sponsoring guarantor’s full name (e.g., John Doe).
- Date of Birth:
  
  MonthDayYear
- Primary Residence:
  
  Street Address
  
  Street Address Line 2
  CityStateZip Code
- Social Security Number (SSN):
  Provide the guarantor’s Social Security Number (e.g., XXX-XX-XXXX).
- Email Address:
  Enter the guarantor’s email address
- Phone Number:
  Provide the guarantor’s phone number (e.g., (000) 000-0000).
- Primary Residence Ownership:
  Do you own or rent your primary residence?
- Years at Primary Residence:
  Enter the number of years the guarantor has lived at their primary residence (e.g., 5).
- Number of Rental Properties Owned:
  Provide the total number of rental properties owned by the guarantor (e.g., 3).
- Properties Rehabilitated and Sold (36 Months):
  Enter the total number of properties rehabilitated and sold by the guarantor in the last 36 months (e.g., 23).
- Estimated Credit Score:
  Provide the guarantor’s estimated credit score (e.g., 720). Note: We work with all types of credit.
- Available Liquidity:
  Include cash reserves, accessible funds, or other liquid assets (e.g., $100,000).
- Estimated Net Worth:
  Provide the guarantor’s total net worth, including all assets and liabilities (e.g., $1,000,000).
- G4-Co-Sponsoring Guarantor(s) Information
  
  If applicable, provide the following details for the Co-Sponsoring Guarantor(s) (G4).
- Full Legal Name:
  
  Enter the co-sponsoring guarantor’s full name (e.g., John Doe).
- Date of Birth:
  
  MonthDayYear
- Primary Residence:
  
  Street Address
  
  Street Address Line 2
  CityStateZip Code
- Social Security Number (SSN):
  Provide the guarantor’s Social Security Number (e.g., XXX-XX-XXXX).
- Email Address:
  Enter the guarantor’s email address
- Phone Number:
  Provide the guarantor’s phone number (e.g., (000) 000-0000).
- Primary Residence Ownership:
  Do you own or rent your primary residence?
- Years at Primary Residence:
  Enter the number of years the guarantor has lived at their primary residence (e.g., 5).
- Number of Rental Properties Owned:
  Provide the total number of rental properties owned by the guarantor (e.g., 3).
- Properties Rehabilitated and Sold (36 Months):
  Enter the total number of properties rehabilitated and sold by the guarantor in the last 36 months (e.g., 23).
- Estimated Credit Score:
  Provide the guarantor’s estimated credit score (e.g., 720). Note: We work with all types of credit.
- Available Liquidity:
  Include cash reserves, accessible funds, or other liquid assets (e.g., $100,000).
- Estimated Net Worth:
  Provide the guarantor’s total net worth, including all assets and liabilities (e.g., $1,000,000).

Loan Request Information

Provide the requested details for your loan application.
Property Type:
Specify Property Type (If Other):
f the property type is not listed, specify here.
Transaction Type:
Select the type of loan (e.g., Fix-and-Flip, DSCR, Bridge, Ground-Up Construction).
Loan Term:
Select the desired loan term (e.g., 6 months, 1 year, 30 years).
Loan Type:
Select the type of loan (e.g., Fix-and-Flip, DSCR, Bridge, Ground-Up Construction).
Purchase Price:
Enter the purchase price of the property, if applicable (e.g., $100,000).
Loan Amount Requested:
Enter the total loan amount being requested (e.g., $100,000).
Loan-to-Value (LTV) Requested:
Enter the requested Loan-to-Value percentage (e.g., 75%).
Estimated As-Is Value of Property:
Provide the current market value of the property in its as-is condition (e.g., $100,000).
Rehab/Construction Budget:
If applicable, provide the estimated budget for rehabilitation or construction (e.g., $100,000).
After Repair Value (ARV):
Provide the projected market value of the property after repairs or construction (e.g., $100,000).
Debt Service Coverage Ratio (DSCR):
Enter the DSCR for the property, if applicable (e.g., 1.25).
Desired Funding Date:

MonthDayYear
Collateral Details:

Refinancing Information

If refinancing, please complete the following details.
Original Purchase Price:
Enter the original purchase price of the property (e.g., 100,000).
Date Acquired:

MonthDayYear
Current Mortgage Balance:
Provide the current payoff amount of the mortgage, if available (e.g., 100,000).
Maturity Date:

MonthDayYear
Current Lender:
Enter the name of the current lender. Indicate "Free & Clear" if there is no existing mortgage.
Current Lender Contact Email:
Enter the email address of the current lender’s representative (e.g., example@example.com).
Current Lender Phone Number:
Provide a valid phone number for the current lender (e.g., (000) 000-0000).Format: (000) 000-0000.
Estimated Property Value (Post-Renovation/As-Is):
Cash-Out Amount (If Applicable):
Loan Summary: Provide an outline of the desired loan structure and purpose. Include the following details: Loan Amount, Property Type, Use of Funds (e.g., acquisition, renovation, refinancing), Exit Strategy (e.g., sale, long-term rental, refinance), Additional Terms or Preferences

Declarations

Please answer the following questions truthfully. Fields marked with * are required.
Are there any outstanding judgments against you?*
Have you declared bankruptcy within the past 7 years?*
Have you been foreclosed on or given title or deed in lieu in the past 7 years?*
Are you a party to a lawsuit?*
Have you been charged with or found guilty of a criminal offense in the past?*
Are you presently delinquent or in default on any federal debt, loan, mortgage, financial obligation, bond, or loan guarantee?*
Are you a US Citizen?*
Are you a permanent resident alien?*
Details Required: If you answered "Yes" to any of the above questions, please provide the following information: Date, Lender, Name, Property Address (if applicable), Reasons for the Action.
Upload Supporting Documents: If applicable, upload a letter of explanation or supporting documents to clarify your situation.

Upload Supporting Documents:(Drag and drop your files below or click "Browse Files.")
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Borrower, Guarantor, and Sponsor Acknowledgments and Representations

The Borrower (or Co-Borrower), Guarantor (or Co-Guarantor), and Sponsor (or Co-Sponsor) – each of the undersigned – represents to TrustBridge Capital, LLC and any of its associated entities, affiliates, capital partners, funding partners, lending partners, broker partners, service providers, agents, assigns, or successors ("Commercial Lender") and to Commercial Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns, and agrees and acknowledges that:

No Representation or Warranty: Neither Commercial Lender nor its agents, brokers, insurers, servicers, successors, or assigns has made any representation or warranty, express or implied, regarding the property or its condition or value.

Loan Security:The loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property or properties described in this application.

Property Use:The property will not be used for any illegal or prohibited purpose or use.

Purpose of Application:All statements made in this application are made for the purpose of obtaining a commercial mortgage loan.

Occupancy"The property will be occupied or not occupied as indicated in this application.

Retention of Records"Commercial Lender, its servicers, successors, or assigns are given my (our) consent to retain the original and/or an electronic record of this application, whether or not the Loan is approved.

Updates to Information:Commercial Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in this application.
I/we am obligated to amend and/or supplement the information if any material facts change before the Loan closes.

Delinquency Reporting:In the event that my payments on the Loan become delinquent, Commercial Lender, its servicers, successors, or assigns may, in addition to any other rights and remedies, report my name and account information to one or more consumer reporting agencies.

Transfer of Loan Ownership:Ownership of the Loan and/or administration or servicing of the Loan account may be transferred with such notice as required by law.

Electronic and Facsimile Signatures:My transmission of this application as an "electronic record" containing my "electronic signature" or a facsimile transmission containing my signature is as effective, enforceable, and valid as a paper version of this application containing my original written signature.

Accuracy of Information:I represent, covenant, and warrant that the information provided in this application is true and correct.
I acknowledge that any intentional or negligent misrepresentation of the information may result in civil liability, including monetary damages, or criminal penalties under Title 18, U.S. Code, Sec. 1001.

Additional Acknowledgments

Assignment of Loan Opportunity:The Borrower (or Co-Borrower), Guarantor (or Co-Guarantor), and Sponsor (or Co-Sponsor) acknowledge that Commercial Lender may assign, transfer, or hypothecate this Loan opportunity to another lender or funding source. To facilitate this, Commercial Lender may share the information in this application with other lenders and investors.

Verification of Information:Any owner of the Loan, its servicers, successors, or assigns may verify or re-verify any information contained in this application or obtain additional information through any source, including a consumer reporting agency.

Authorization for Checks and Appraisals
By signing this application, I authorize Commercial Lender to:
- Conduct a consumer credit report and verify credit information, including mortgage and landlord references.
- Perform a background investigation and verify criminal and civil records.
- Order an appraisal to determine the property's value and charge me for this appraisal.
Expenses and Non-Refundable Fees:Any expenses incurred (e.g., appraisals, inspections, or third-party review services) are not refundable or reimbursable for any reason by the lender.

Force Majeure:Loan closing is subject to applicable terms and conditions and may be affected by force majeure events.

Appraisal Notice:We will promptly provide you with a copy of the appraisal utilized to evaluate your application in accordance with 12 CFR Part 1002, even if your loan does not close. You may obtain an additional appraisal at your own expense.

Privacy Act Notice:Personal identifying information is collected and stored to determine eligibility as a prospective mortgagor under this program and to verify identities as required by federal law. This information will not be disclosed outside the agency except as required or permitted by law. Providing this information is optional; however, failure to do so may delay or prevent your application from being processed.

Acknowledgment and Agreement
Each of the undersigned represents, covenants, and warrants to TrustBridge Capital, LLC and any of its associated entities, affiliates, capital partners, funding partners, lending partners, broker partners, service providers, agents, assigns, or successors ("Commercial Lender") that:
- The information provided in this application is true and correct as of the date opposite my signature.
- Any intentional or negligent misrepresentation may result in civil liability or criminal penalties, including fines or imprisonment.
- This application authorizes Commercial Lender to perform all verifications, checks, and appraisals listed above.
Date*

MonthDayYear
Borrower Certification of Business Purpose

To be completed by the Primary Guarantor.
Name

First NameLast Name
Date

MonthDayYear
Loan Number
Property Address

Street Address

Street Address Line 2

CityState

Zip Code
Portfolio Property Addresses
Because the loan would be made exclusively for commercial purposes as noted immediately above, laws applicable to consumer purpose loans, such as the following laws, are not applicable to the loan: Truth in Lending Act (15 U.S.C. § 1601 et seq.), Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.), Gramm‐Leach Bliley Act (15 U.S.C. §§ 6802–6809), Secure and Fair Enforcement Mortgage Licensing Act (12 U.S.C. § 5101 et seq.), and Homeowners Protection Act (12 U.S.C. § 4901 et seq.).

By signing below Borrower hereby confirms that they have read and understand the Borrower Certification of Business Purpose, that the information provided in connection with obtaining the loan is complete and accurate as of the date above, and that the Properties are non-owner occupied investment properties.
Borrower’s purpose in applying for the loan is to use the proceeds of the loan for:
Name*

First NameMiddle NameLast Name
Date*

MonthDayYear
Signature*

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EZ-APPLICATION

Application Overview

Borrower/Entity Information

Primary Guarantor(s) Information

Select from the drop-down if there is more than one guarantor.

G2-Co-Sponsoring Guarantor(s) Information

G3-Co-Sponsoring Guarantor(s) Information

G4-Co-Sponsoring Guarantor(s) Information

Subject Property Information

Loan Request Information

Refinancing Information

Declarations

Borrower Certification of Business Purpose