Licensing & Disclosures

Provenance Capital operates an informational directory of commercial real estate capital providers serving New York City, and a separate introduction service that routes a prospective borrower's stated financing request to the one capital partner whose territory — borough, loan program, and deal size — the request fits. The partner who receives your request is not necessarily one of the lenders profiled in the directory.

Our role begins and ends with the introduction. Specifically, we do not:

• make, fund, or originate loans;
• negotiate, offer to negotiate, or attempt to negotiate the terms of any loan, on behalf of a borrower or a lender;
• solicit, process, place, or negotiate a residential mortgage loan;
• take, receive, or process a loan application, or collect application-level financial information such as Social Security numbers, credit reports, tax returns, or bank statements;
• advise you on which loan or lender to choose, or on the terms you are offered;
• hold, escrow, or handle borrower funds;
• represent any lender as its agent, or bind any lender to any rate, term, or approval.

Rates, terms, fees, and approval decisions come from the lender. Any figures shown on this site are indicative illustrations, not offers, quotes, or commitments, and are subject to change, verification, and credit approval.

These are two different things, and we keep them separate on purpose.

We accept requests for business, commercial, and investment-purpose financing only. Every borrower must affirm, before submitting a request, that the financing is not for personal, family, or household use and that the property is not and will not be their primary residence.

We do not handle owner-occupied residential mortgages, home equity lending, or any consumer-purpose mortgage. If your request is for a home you live in or intend to live in, we cannot help, and you should contact a licensed residential mortgage broker or lender.

New York regulates mortgage activity through two separate regimes, and our scope of service is designed to sit outside both:

If our activities change — if we begin negotiating terms, taking applications, or accepting compensation tied to closed loans — this analysis no longer holds and licensure would be required before doing so.

Borrowers never pay us. There is no cost to submit a request, no success fee, and nothing deducted from your loan proceeds.

We are paid by our capital partners for advertising placement. A partner pays a flat, recurring fee to hold exclusive placement in a territory — a combination of borough, loan program, and deal-size band. The fee is set in advance for a fixed period.

That fee does not vary with results. Specifically, it is:

• not per-introduction — the price is the same whether we pass along two requests in a month or two hundred;
• not contingent on closing — we are paid the same whether every introduction funds or none of them do;
• not a commission — no share of points, interest, origination fees, or loan proceeds, and no payment tied to the size or terms of any loan.

We hold no interest in whether you accept any particular offer, or whether you borrow at all.

We have a financial relationship with our capital partners. When you submit a request, you are introduced to the partner holding the relevant territory — who may not be a lender shown in the directory, and is not every lender in the market. Our introduction is not a recommendation, an endorsement, or a determination that a partner offers you the best available terms. You should compare offers independently before committing.

Email is our default and only channel unless you say otherwise. The phone field on our form is optional. We ask separately, in an unchecked box, whether you consent to calls or texts, and that consent is never a condition of getting matched or of obtaining financing from anyone.

If you don't give that consent, we don't keep your phone number at all — it is discarded before your request is stored, so neither we nor the capital partner ever receives it. If you do consent, we record the exact wording you agreed to, and you can withdraw consent at any time by replying STOP to a text, telling the partner directly, or emailing us.

We share your request with one capital partner. That partner contacts you under its own policies, and is separately responsible for its own compliance with the Telephone Consumer Protection Act and applicable state telemarketing law.

Each capital partner is an independent third party, responsible for its own licensing, registration, and regulatory compliance — including any license required to lend or broker in New York, and its own compliance with telemarketing and privacy law. We do not supervise partners' lending practices, verify their rates, or guarantee their performance. A capital partner's territory placement is paid advertising; ordinary directory listings are informational and unpaid.

Nothing on this site — including the loan calculators, articles, directory content, and any communication from us — is legal, tax, accounting, investment, or financial advice, and none of it should be relied on as such. The calculators are estimation tools using assumptions you supply; their output is illustrative only. Consult your own attorney, accountant, and advisors before entering into any financing.

We support the principles of the federal Fair Housing Act and the Equal Credit Opportunity Act. We do not match, route, or decline requests on the basis of race, color, religion, national origin, sex, familial status, disability, age, marital status, sexual orientation, gender identity, or any other characteristic protected by federal, New York State, or New York City law.

Provenance Capital is a brand operated by KUROGIRI LLC, a New York limited liability company. KUROGIRI LLCis registered with the New York Department of State (DOS ID 7648243). “Provenance Capital” is a brand and trade name; it is not a separate legal entity, and it is not a registered or licensed financial institution.

Questions about this statement? Email legal@provenancecapital.nyc. See also our terms of use and privacy policy.