Privacy Policy

Last Updated: April 2026

At Sterling Gap ("we," "our," or "us"), we prioritize the confidentiality and security of our clients' information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal and financial information when you visit our website (sterlinggap.com), apply for a loan, or utilize our financial services.

By accessing our website or using our services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

To provide you with tailored commercial and personal lending solutions, we must collect specific information. This includes:

Personal Identification Information

  • Full name, date of birth, and government-issued identification numbers (e.g., Social Security Number, Driver’s License, or Passport).
  • Contact details, including email address, mailing address, and phone numbers.

Financial & Business Information

  • Income details, employment history, tax returns, and bank statements.
  • Business registration documents, Employer Identification Numbers (EIN), trailing P&L statements, and balance sheets.
  • Information regarding collateral, including commercial real estate appraisals, rent rolls, and equipment invoices.
  • Credit history and credit scores obtained through authorized credit bureaus.

Technical & Usage Data

  • IP addresses, browser types, device information, and operating systems.
  • Information on how you navigate our website, collected through cookies and similar tracking technologies to improve our digital experience.

2. How We Use Your Information

We use the information collected strictly for legitimate business and financial purposes, including:

  • Underwriting & Processing: To evaluate your loan application, assess creditworthiness, and determine appropriate capital structuring and interest rates.
  • Service Delivery: To facilitate loan disbursement, process payments, and manage your account over the lifetime of the facility.
  • Communication: To respond to your inquiries, send transaction notifications, and provide updates regarding your application status.
  • Compliance & Security: To comply with federal and state financial regulations (including Anti-Money Laundering (AML) and Know Your Customer (KYC) laws), prevent fraud, and secure our platforms.

3. How We Share Your Information

Sterling Gap treats your financial data with strict discretion. We do not sell your personal information to third parties. We may share your information only under the following circumstances:

  • Service Providers & Partners: With trusted third-party vendors who assist us in operating our business, such as credit reporting agencies, title companies, appraisers, and secure payment processors.
  • Legal & Regulatory Authorities: If required by law, subpoena, or regulatory audit, we will disclose necessary information to government authorities or law enforcement.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, client information may be transferred as part of the business assets, under strict confidentiality agreements.

4. Data Security

We implement robust, institutional-grade security measures to protect your personal and financial data. This includes SSL encryption for all data transmitted through our website, secure firewalls, and restricted access protocols. Only authorized underwriting and compliance personnel have access to your sensitive financial documents.

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee its absolute security.

5. Your Rights & Choices

Depending on your jurisdiction, you may have specific rights regarding your personal data, including:

  • The right to request access to the personal data we hold about you.
  • The right to request corrections to inaccurate or incomplete information.
  • The right to opt-out of marketing communications at any time.

Please note that because we are a regulated financial institution, certain data cannot be deleted if it is required to be maintained by federal or state lending laws.