Terms of Use

Acceptance of these terms

These Terms of Use govern your access to and use of Wind River Lending's websites, including windriverlending.com and wrlfunding.com, and any deal submission or application forms (collectively, the “Site”). By using the Site you agree to these terms. If you do not agree, please do not use the Site.

Business-purpose lending only

Wind River Lending provides business-purpose real estate investment loans only. We do not offer consumer personal loans, owner-occupied mortgage loans, or homestead financing. All information on the Site is for business-purpose investment lending and does not constitute consumer credit or a consumer credit offer.

No commitment to lend

Nothing on the Site is a commitment to lend or an offer of credit. Loan amounts, rates, terms, and quotes are illustrative and subject to change. All loans are subject to:

• Underwriting and final approval
• Collateral review, title, and valuation
• Borrower / entity review and available equity and liquidity
• Submission of complete documentation and third-party closing requirements

Funding timelines are estimates only and are not guaranteed. Any term sheet or quote is non-binding until a definitive loan agreement is executed by all parties.

Eligibility

The Site and our financing are intended for real estate investors borrowing for business purposes through an active LLC or operating company. By submitting a deal you represent that your request is for a business purpose and not for personal, family, or household use.

Your submissions

You are responsible for the accuracy of the information you submit, including property details, purchase price, rehab budget, ARV, and financial information. You agree not to submit false, misleading, or fraudulent information. By submitting a form you authorize us to contact you by phone, text, and email about your inquiry, and you agree to our Privacy Policy.

Intellectual property

The Site, including its content, logos, and design, is owned by Wind River Lending and protected by applicable law. You may not copy, reproduce, or redistribute Site content without our prior written permission.

Third-party links and services

The Site may link to or embed third-party services (for example, our loan application provider). We are not responsible for the content, policies, or practices of third-party sites or services.

Disclaimers and limitation of liability

The Site is provided “as is” without warranties of any kind, express or implied. To the fullest extent permitted by law, Wind River Lending is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on any information provided.

Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.

Changes to these terms

We may update these terms from time to time. The most current version will always be posted at this URL with an updated date at the top.