Terms of Service
Last updated: February 1, 2026
These terms govern your use of sgcapital.io. By using this website or submitting information through it, you agree to them. If you do not agree, please do not use the site.
1. Who these terms are with
This website is operated by Southern Ground Capital, LLC ("SGC", "we", "us"), a private lending firm based in Atlanta, Georgia. "You" means anyone who accesses this site or submits information through it.
2. Nothing here is a commitment to lend
This is the most important term on this page. Rates, terms, leverage limits, loan amounts, timelines, and program descriptions published on this website are illustrative and subject to change without notice. They are not an offer, a commitment, or a guarantee of credit.
No loan exists until SGC or its funding partner issues a written commitment and the loan closes. Submitting an inquiry, receiving a quote, or receiving a term sheet does not create a binding obligation on either party. Every loan remains subject to full underwriting, third-party reports including appraisal and title, satisfactory property condition, verification of the information you provided, and final credit approval.
3. How your loan is funded
Southern Ground Capital funds some loans with its own capital and arranges others through one of its institutional capital partners. Which route a given deal takes depends on the property, the program, the loan size, and the state — and it is determined during underwriting, not at inquiry.
Where a loan is funded by a capital partner, SGC arranges and facilitates the transaction between you and that partner and is compensated for that work. On any given transaction SGC is compensated by one side only — either through origination points charged to the borrower, or by the funding partner — never by both on the same loan.
Origination points vary by deal, program, leverage, credit profile, and funding source. All points and fees payable by you are set out in the written term sheet and commitment you receive before you incur any third-party cost, and are itemized again on the closing statement. SGC charges no application fee, no underwriting deposit, and no fee of any kind payable before closing, and adds nothing to the terms you were quoted. The identity of the funding source and the final terms are disclosed to you in the written commitment and the loan documents before closing.
SGC is not a retail mortgage broker and does not originate consumer mortgage loans. See section 4 below.
4. Business-purpose loans on investment property only
SGC makes loans for business and investment purposes only, secured by non-owner-occupied real property. We do not make consumer loans, and we do not lend on a property that is or will be occupied as the borrower's primary residence or second home.
Because these are business-purpose loans, they are generally not subject to the consumer mortgage protections that apply to owner-occupied lending, including many disclosure requirements under the Truth in Lending Act and the Real Estate Settlement Procedures Act. You should understand that distinction before borrowing.
Loans close in a business entity. You represent that any loan you seek is for a genuine business or investment purpose and that the collateral will not be owner-occupied.
5. Where we lend
SGC lends in 43 U.S. states. We do not currently lend in Arizona, Nevada, North Dakota, Oregon, South Dakota, Utah, or Vermont. Program availability, terms, and requirements vary by state and by property, and nothing on this site should be read as an offer to lend where we are not authorized to do so.
6. Accuracy of information you provide
You agree that the information you submit is true, accurate, and complete, and that you have the authority to submit it. Deal decisions are made in reliance on what you tell us. Material misstatements — an inflated after-repair value, an understated renovation scope, an undisclosed lien, a misrepresented occupancy — are grounds for withdrawing a quote or commitment, and may have legal consequences.
7. Use of this website
You may use this site for your own legitimate business purposes. You may not: use it unlawfully; attempt to gain unauthorised access to any part of it or to any system connected to it; scrape, harvest, or systematically extract its content; introduce malicious code; interfere with its operation; or use its content to build a competing service.
8. Tools and calculators
The BRRRR analyzer, checklists, worked examples, and any other calculators or tools on this site are provided for general informational purposes. Their outputs are estimates based on the assumptions you enter, not underwriting decisions, appraisals, or predictions of what any lender will approve. Do not rely on them as the sole basis for an investment decision.
9. Not professional advice
Content on this site — including articles, guides, market commentary, and worked examples — is general information about real estate finance. It is not legal, tax, accounting, appraisal, or investment advice, and it is not tailored to your circumstances. Real estate investing carries risk, including the loss of your invested capital. Consult your own attorney, CPA, and advisors before acting.
10. Testimonials and case studies
Borrower testimonials and deal case studies on this site reflect the experience of specific borrowers on specific transactions. They are not typical results, not a guarantee, and not a prediction of what your deal will do. Outcomes depend on the property, the market, the execution, and factors outside anyone's control.
11. Affiliate program
Participation in the SGC affiliate or referral program is governed by the separate terms presented at registration. Referral compensation is payable only on loans that actually close and fund, is calculated as described in those terms, and may be modified or discontinued prospectively. Affiliates are independent, are not agents or employees of SGC, and may not quote rates or terms, make commitments, or represent themselves as speaking for SGC.
12. Intellectual property
The content, design, text, graphics, logos, and marks on this site are owned by Southern Ground Capital, LLC or its licensors and are protected by copyright and trademark law. You may view and print pages for your own reference. You may not republish, redistribute, or use them commercially without our written permission.
13. Third-party links
This site links to third-party sites and tools we do not control. We provide those links for convenience and do not endorse or take responsibility for their content, accuracy, or practices.
14. Disclaimer of warranties
This website and its content are provided "as is" and "as available", without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
15. Limitation of liability
To the fullest extent permitted by law, Southern Ground Capital, LLC and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, or lost data, arising out of your use of this website or reliance on its content — even if advised of the possibility. Some jurisdictions do not allow these exclusions, in which case they apply to the maximum extent permitted.
16. Indemnity
You agree to indemnify and hold harmless Southern Ground Capital, LLC from claims, losses, and expenses (including reasonable legal fees) arising out of your misuse of this site, your breach of these terms, or your submission of inaccurate information.
17. Privacy
Our handling of information you submit is described in the Privacy Policy, which is incorporated into these terms.
18. Governing law
These terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws rules. Any dispute arising out of these terms or your use of this site will be brought exclusively in the state or federal courts located in Fulton County, Georgia, and you consent to their jurisdiction.
19. Changes
We may revise these terms at any time by posting an updated version to this page. The effective date at the top reflects the current version. Continuing to use the site after a change means you accept the revised terms.
20. Severability and entire agreement
If any provision of these terms is held unenforceable, the remainder stays in effect. These terms, together with the Privacy Policy, are the entire agreement between you and SGC regarding this website. They do not govern any loan — a loan is governed by its own executed documents, which control in the event of any conflict.
21. Contact
Southern Ground Capital, LLC
Atlanta, Georgia, United States
loans@sgcapital.io · (678) 842-8084