Privacy Policy - RJS CAPITAL - COMMERCIAL LOANS

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.

Effective Date: [Insert Date]
Company Name: RJS Capital
Website:

At RJS Capital, your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website or use our services related to commercial loans. By using our website, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

a. Personal Information

When you apply for a loan or contact us, we may collect:

Name, email address, phone number, and mailing address
Business name, tax ID, and financial information
Social Security number (for guarantors or sole proprietors)
Bank statements, credit reports, and other loan application details

b. Non-Personal Information

We may automatically collect:
Browser type, operating system, IP address

Pages visited, time spent on the site, and referring URLs
Cookies and tracking technologies to improve site experience

2. How We Use Your Information

We use your information to:

Evaluate loan applications and provide financial products
Communicate with you about your application or account
Improve our website and customer experience
Comply with legal and regulatory requirements
Prevent fraud, unauthorized access, or illegal activities

3. Information Sharing and Disclosure

We may share your information with:

Service Providers: Such as credit bureaus, underwriting partners, and payment processors
Affiliates: Companies under common ownership for related financial services
Legal Authorities: When required by law, regulation, or subpoena
Business Transfers: In case of mergers, acquisitions, or asset sales

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. Data Security

We maintain appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. This includes encryption, secure servers, and limited employee access.

5. Data Retention

We retain your information only as long as necessary to fulfill the purposes described above, comply with legal obligations, and resolve disputes.

6. Your Rights and Choices

You may:

Request access, correction, or deletion of your personal data

Opt out of marketing communications

Disable cookies via your browser settings

To exercise these rights, contact us at Info@commercialloansnearme.com or through our online form.

7. Cookies and Tracking Technologies

We use cookies to enhance website performance and user experience. You can manage cookie preferences through your browser settings. Disabling cookies may limit certain site features.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites.

9. Children’s Privacy

Our services are not directed to individuals under 18 years old, and we do not knowingly collect personal information from minors.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The updated version will be posted on this page with the new effective date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

RJS Capital
Email: privacy@[yourcompany.com]
Phone: 804-441-2195
Address: [Your Business Address]

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 worked closely with Richard for over a year to consider and eventually close on a FNMA Refinance (from traditional debt) on our multi-family 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. Hecontinued 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

“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, 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 non sense 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 reassurances 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 termsheet. Regional banks also did not perform. I had only 60 days left to payoff 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 professional manner.I own several hotels and he closed deal for my raleigh hotel at a 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 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) Raliegh, NC

FINANCING BUILT FOR BUSINESS GROWTH.