Important information about our role, compensation, and licensing.
Equifyx Capital acts as a commercial loan broker. We are not a lender, bank, or direct funding source. Our role is to introduce prospective borrowers to third-party lenders and assist in the application process. All credit decisions, underwriting, rates, terms, and funding are determined solely by the lending partner — not by Equifyx Capital.
Equifyx Capital may receive compensation from lending partners for successfully brokered transactions. Compensation may be structured as a percentage of the funded amount, a flat fee, or other arrangements agreed with the partner. Any borrower-paid brokerage fees will be disclosed to you in writing before you proceed with a transaction. You are encouraged to ask your advisor how we are compensated on your specific transaction.
Submitting an inquiry or application through Equifyx Capital does not guarantee approval or funding. Each lending partner applies its own underwriting criteria, and outcomes vary by applicant profile, product, and market conditions.
Our DSCR (Debt Service Coverage Ratio) loan programs are currently offered for investment properties located in the following states:
Availability for other products varies by partner and is subject to change. Contact us to confirm current availability in your state.
Products offered through our network are intended for business and commercial purposes only — including business operations, investment real estate, and commercial transactions. They are not intended for personal, family, or household use.
Initial consultations and soft matching do not affect your credit. Formal applications with lending partners may involve hard credit inquiries, which can impact credit scores. Your advisor will tell you before any hard inquiry occurs.
Equifyx Capital
1876 Lincoln Hwy Suite 205, Edison, NJ 08817
Email: info@equifyx.com
Phone: 732-798-8185