Legal & Regulatory Disclosures

Last Updated: April 2026

Sterling Gap operates with a commitment to absolute transparency and strict adherence to state and federal lending regulations. The following disclosures outline our operating parameters, legal obligations, and the terms governing the use of our website and financial services.

1. General Disclaimer

The information provided on this website is for general informational purposes only and does not constitute a commitment to lend, an offer to extend credit, or formal financial, tax, or legal advice. All loan applications are subject to formal underwriting review, credit approval, and property or asset appraisal where applicable. Sterling Gap reserves the right to alter, modify, or terminate loan products, terms, and rates without prior notice.

2. Rates, Terms & Fees

Any interest rates, Annual Percentage Rates (APRs), term lengths, and fee structures displayed on this website or within our digital payment estimators are examples for illustrative planning purposes only. Your actual rate and terms will be determined based on a comprehensive review of your credit history, financial profile, loan amount, requested term, and the value of any pledged collateral.

• Zero Prepayment Penalties: Sterling Gap does not charge prepayment penalties on any of our standard personal or commercial term loans, allowing borrowers to pay down principal ahead of schedule without incurring additional fees.

3. USA PATRIOT Act (Customer Identification Program)

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person or business entity that opens an account or establishes a lending relationship.

What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license, passport, or other identifying documents. For business entities, we will require articles of incorporation, an Employer Identification Number (EIN), and identification for all principal owners or guarantors.

4. Equal Housing Opportunity

Sterling Gap conducts business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

5. State Licensing & NMLS

Sterling Gap is headquartered at 128 Tate Street, Waynesville, Tucson, Arizona 28786. We operate under applicable state lending laws. Where required by state law, certain commercial, real estate, and personal loans are originated by properly licensed entities or in partnership with licensed banking institutions.

NMLS ID: XXXXXX (For exact licensing details in your specific jurisdiction, please contact our compliance desk).

6. SBA Loan Programs

References to SBA 7(a) and SBA 504 loan programs are subject to the guidelines, rules, and funding availability established by the U.S. Small Business Administration. Sterling Gap operates as an authorized lender or in partnership with Preferred SBA Lenders to facilitate these transactions. SBA guarantees do not imply automatic approval for the borrower.

7. Third-Party Links

This website may contain links to third-party websites or services that are not owned or controlled by Sterling Gap. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.