Last Updated May 31, 2026
Website Disclaimer
Information provided by Northern Ridge Capital (“we,” “us”, or “our”) on northernridgecapital.com (the “Site”) and our mobile application is for general informational purposes only. All information on the Site and our mobile application is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Site or our mobile application. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SITE OR OUR MOBILE APPLICATION OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SITE AND OUR MOBILE APPLICATION. YOUR USE OF THE SITE AND OUR MOBILE APPLICATION AND YOUR RELIANCE ON ANY INFORMATION ON THE SITE AND OUR MOBILE APPLICATION IS SOLELY AT YOUR OWN RISK.
Broker, Not a Lender
Northern Ridge Capital is a licensed commercial mortgage brokerage (California Department of Real Estate, DRE #02093377). We arrange financing through third-party capital sources. We are not a direct lender, we do not make or fund loans, and we do not commit to lend. Nothing on the Site, in our communications, or in our materials creates a lending relationship, a loan commitment, or an obligation by any party to lend or to arrange financing.
Commercial Real Estate Only
Northern Ridge Capital arranges financing exclusively for commercial and business-purpose real estate transactions. We do not originate, broker, advise on, or solicit residential, owner-occupied one-to-four unit, or consumer-purpose mortgage loans. Because our activities are limited to commercial and business-purpose transactions, Northern Ridge Capital operates under its California DRE broker license and is not, and is not required to be, a mortgage loan originator registered with the Nationwide Multistate Licensing System (NMLS).
No Professional Advice
The content on the Site — including articles, guides, market commentary, calculators, rate information, and educational material — is provided for general informational purposes only and does not constitute financial, legal, tax, investment, accounting, or lending advice, nor a recommendation to enter into any transaction. You should consult your own qualified advisors before making any financing or investment decision.
Rates, Terms, and Market Data
Any rates, spreads, loan-to-value or loan-to-cost ratios, pricing, or terms shown on the Site reflect actual, recently closed commercial real estate transactions and are accurate as reported as of the date noted. They are presented as historical market data for general informational purposes only. They are not an indication, offer, solicitation, commitment, or guarantee of the rate, pricing, or terms available to you, and they vary by property type, location, loan size, sponsor, business plan, and market conditions. Actual loan approval, rates, terms, and fees are determined by third-party lenders and are subject to underwriting, appraisal, credit approval, and program eligibility, and may differ materially from any figure shown. Rates and market conditions change daily.
Loan Approval by Third-Party Lenders
All financing is provided by independent third-party lenders. Approval, denial, pricing, structure, and final terms are determined solely by those lenders in their discretion and are subject to their underwriting and documentation requirements. Northern Ridge Capital does not control and is not responsible for the decisions, acts, or omissions of any lender.
Broker Compensation
Northern Ridge Capital is compensated for arranging financing. The nature and amount of our compensation are disclosed in accordance with applicable law and, where applicable to U.S. Small Business Administration (SBA) loans, on SBA Form 159.
Equal Credit Opportunity
Northern Ridge Capital supports the principles of fair and equal access to credit and does not discriminate on any basis prohibited by applicable law.
Testimonials, Case Studies, and Past Closings
Any transactions, closings, results, or examples referenced on the Site are illustrative, reflect specific facts and circumstances, may have details altered or omitted to protect client privacy, and are not a promise, guarantee, or prediction of any particular outcome. Past results do not guarantee or indicate future results, and individual outcomes vary.
Forward-Looking Statements and Market Commentary
Market commentary, projections, and forward-looking statements on the Site reflect our views and available data as of the date published, involve assumptions and uncertainties, and are subject to change without notice. We undertake no obligation to update any such information.
Third-Party Links and Content
The Site may contain links to, or information from, third-party websites or sources. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any third-party content, and we are not responsible for the content of any linked website.
Licensing and Jurisdiction
Northern Ridge Capital is licensed in California (DRE #02093377). We advertise, solicit, and conduct business only in jurisdictions where our license and applicable law permit. Nothing on the Site is an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be unlawful.
Changes to This Disclaimer
We may update this Disclaimer from time to time. The “Last Updated” date above reflects the most recent revision. Your continued use of the Site after any change constitutes acceptance of the revised Disclaimer.
Contact
Northern Ridge Capital 1968 S. Coast Hwy, Suite 466, Laguna Beach, CA 92651 Justin@northernridgecapital.com · 323-521-4766