Terms and Conditions - RJS CAPITAL

CONSULTING AND ADVISORY FOR BUSINESS SUCCESS

RJS Capital’s consulting & advisory services empower businesses with the insight, strategy, & financial clarity needed for long-term success. We work closely with operators, investors, & entrepreneurs to evaluate opportunities, optimize capital structure, strengthen financial strategy, & support informed decision-making. With deep industry expertise & a solutions-driven approach, RJS Capital provides the guidance needed to accelerate growth & achieve sustainable results.

Terms and Conditions

Effective Date: [Insert Date]
Company Name: RJS Capital
Website: [Insert Website URL]
Phone: 804-441-2195

1. Acceptance of Terms

Welcome to the website of RJS Capital (“RJS Capital,” “we,” “us,” or “our”). By accessing or using our website or submitting any information for loan consideration, you agree to comply with these Terms and Conditions, our [Privacy Policy], and any other agreements referenced herein.
If you do not agree with these terms, you must discontinue use of this website immediately.

2. Description of Services

RJS Capital provides commercial loan products, financing options, and related advisory services to eligible businesses.
All products are subject to qualification, credit approval, verification, and final agreement terms. No content on this site constitutes a commitment to lend or an offer of credit.

3. Eligibility

By using this website, you represent that you:

Are at least 18 years of age
Are authorized to represent the business applying for financing
Are providing accurate and complete information

Providing false or misleading information may result in rejection of your application or legal consequences.

4. Electronic Communication and Consent

By using this site, submitting an application, or communicating with RJS Capital electronically, you consent to:

Receive all disclosures, notices, and documents electronically (including via email or secure online portal)
Use electronic signatures to sign agreements or acknowledgments

You may withdraw your consent at any time by contacting us at Info@commercialloansnearme.com, but doing so may limit or terminate your ability to apply for or maintain credit online.

5. Loan Application and Credit Authorization

By submitting a loan inquiry or application through our website, you authorize RJS Capital and its affiliates to:

Obtain business and personal credit reports as necessary
Verify information provided through third-party sources (banks, credit bureaus, public records, etc.)
Use your information to evaluate eligibility for financing

Providing your information does not guarantee approval or create a binding contract until final loan documents are executed.

6. Truth-in-Lending and Disclosures

RJS Capital complies with all applicable federal and state lending laws, including the Truth in Lending Act (TILA) and Equal Credit Opportunity Act (ECOA) where applicable.
All approved loans will include clear written disclosures of terms such as:

Interest rate or factor rate
Fees and costs
Payment schedule
Prepayment options and penalties

These details will be provided in your formal loan agreement prior to acceptance.

7. No Financial or Legal Advice

All content on this website is for informational purposes only. It does not constitute legal, financial, or tax advice. You should consult professional advisors before relying on any information obtained through this site.

8. Intellectual Property

All text, graphics, design, software, and other materials on this site are owned or licensed by RJS Capital.
You may not copy, reproduce, distribute, or modify any content without our prior written consent.

9. Limitation of Liability

To the fullest extent permitted by law, RJS Capital is not liable for:

Any indirect, incidental, special, or consequential damages
Loss of profits, data, or business interruption arising from the use or inability to use our site or services

RJS Capital’s total liability in any matter related to this website will not exceed the amount you have paid (if any) for the service giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless RJS Capital, its affiliates, officers, employees, and agents from any claims, damages, or expenses arising from your use of this website, violation of these Terms, or submission of false or unauthorized information.

11. Third-Party Links and Services

This website may contain links to third-party websites. These are provided for convenience only, and RJS Capital does not endorse or assume responsibility for any third-party content, services, or privacy practices.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles.
Any disputes shall be resolved exclusively in the state or federal courts located in Virginia, and you consent to personal jurisdiction therein.

13. Changes to Terms

RJS Capital reserves the right to update or revise these Terms at any time. The latest version will be posted on this page with a new effective date. Continued use of our website after updates constitutes acceptance of those changes.

14. Contact Information

For questions regarding these Terms, disclosures, or your account, please contact us:

RJS Capital
Phone: 804-441-2195
Email: Info@commercialloansnearme.com
Address: 300 West Colinas Blvd Suite B

Notice to Borrowers

Submitting information through this site does not constitute a loan application under federal or state law until all required documentation is received. Loan approval is subject to verification, underwriting, and compliance with applicable lending laws.

CURRENT CAPITAL MARKET METRICS AND ECONOMIC INDICATORS

METRIC	RATE
5-YEAR TREASURY YIELD	--
10-YEAR TREASURY YIELD	--
30 DAY SOFR	--
PRIME RATE	--

Updated: --

THE VALUES BEHIND OUR WORK

RESPONSIBILITY

We treat every dollar as if it were our own, protecting your returns while managing risk.

INNOVATION

We adapt to evolving markets, offering creative structures when standard solutions won’t cut it.

INTEGRITY

Transparent terms, clear communication, and no surprises at closing.

EMPOWERMENT

We give you the tools and insights you need to grow your portfolio, not just a loan package.

SEE HOW WE’VE HELPED BUSINESSES THRIVE

“I’ve had a business relationship with Richard Sherman for approximately four years.

During this time, Richard has completed for several debt placements for our RV parks in South Carolina and Georgia, which exceed $8 million in total.

Richard is prompt and professional, and most importantly, does not commit to more than he can accomplish and perform – he knows the debt markets quite well.

I strongly recommend him to anyone needing capital structure, advice, debt, or equity placements.”

John Sanford

“My name is Jens Franzen, and I’m a real estate investor within multifamily in the southeast region of the US.

I have had the privilege of working with Richard directly on a few deals, and the experience has been overall good.

Richard has helped us collect the needed data on time, as well as putting us in contact with the correct lenders for this type of asset class, and he has brought all of us to the closing table to get the deal done.

I would highly recommend reaching out to Richard about your particular situation and loan needed, but I have the confidence that Richard has a product for each investor out there.”

Jens Franzen

“I purchased a 200-pad mobile home park in 2016 from a small lender that was unable to extend additional credit due to their lending caps for individual exposure. Their parameters would only allow them to lend near the existing loan amount. The park was in need of capital expenditures, infrastructure upgrades, road resurfacing, and electrical upgrades to vacant sites—large expenditures that needed immediate liquidity to resolve.

I spoke exhaustively to local and regional lenders whom I had relationships with, but none were able to broker a successful refinance. I spent several years with a park that limped by with near 70% occupancy, making payment after payment with no real capital to reinvest in large improvements to maximize its potential, despite being in a high rent demand area in Tennessee. I did not have the ability to overcome a 30% vacancy rate.

I met Richard, and he had a refinance solution with actual cash out within days, and within four months we closed the deal. That same park that once limped by now enjoys monthly gross rents of nearly six figures—more than double the original income—due exclusively to the efforts of Richard Sherman, with his determination and network of lending partners.

He is assertive, direct, and has a no-nonsense approach to getting deals done. He is an advocate for his client and is passionate about every deal. It’s those qualities and his determination that gave me the reassurance I needed to elect to have him successfully broker additional deals for my company. I consider him an ally and look forward to consulting with him on future deals to come.”

Mr. Simmons (MSA) Knoxville, TN

“We had to refinance our CMBS hotel loan. Few local banks looked at refinancing but could not provide a term sheet. Regional banks also did not perform. I had only 60 days left to pay off my existing loan. At that time, Mr. Richard contacted me several months before. He did a great job. He stood to his promises. He could present everything to the lender in a professional manner. I own several hotels, and he closed the deal for my Raleigh hotel at reasonable terms and in a limited time. Richard and his team were easily available at any time during the loan process. I very much appreciate his work and manner. He is an advocate for your deal, and we share a common bond behind real estate. I am sure he will not let you go down. I look forward to doing another transaction with him and his team soon.”

Ramnick – Real Estate Investor (MSA) Raleigh, NC

“I worked closely with Richard for over a year to consider and eventually close on an FNMA refinance (from traditional debt) on our multifamily apartment building in Richmond, VA. Richard was professional, engaging, very attentive, not aggressive from a sales perspective, offered several solutions, and helped me understand all aspects of the transaction and the pros and cons for our circumstances. He continued to maintain contact beyond the transaction to ensure the transition went smoothly, and we are still in contact a year beyond. I would highly recommend working with him!”

Real Estate Investor (FNMA) Richmond, VA

Previously Closed Loans

Funded-$3,300,000 Knoxville, TN

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Funded- $3,800,000 Central PA

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Funded-$3,200,000 Sommerville, SC

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Funded- $6,000,000 Richmond, VA

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Funded- $4,400,000, Raleigh, NC

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FINANCING BUILT FOR BUSINESS GROWTH.