Terms of use

Effective date: 05/20/2026

These Terms of Use ("Terms") govern your use of the website located at sage-credit.com (the "Site"), operated by Sage Credit Investment Partners LLC ("SCIP"). By accessing or using the Site, you accept and agree to be bound by these Terms. If you do not agree, please do not use the Site.

Entities and regulatory disclosures

"Sage Credit" is a trade name used by SCIP and Sage Credit Income Fund LP, a North Carolina limited partnership ("SCIF"). SCIF provides business-purpose real estate loans in California and North Carolina, and in other states where permitted by law. In California, all loans are made by SCIF pursuant to its California Finance Lender License No. 60DBO-198751 (NMLS ID No. 2643602).

We comply with all applicable fair lending laws and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other protected status. For additional licensing information, visit www.nmlsconsumeraccess.org.

No offer of securities or advisory services

The content on this Site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security, financial product, or investment service. Any offering of interests in SCIF is made only pursuant to definitive offering documents and applicable exemptions under federal and state securities laws. Nothing on this Site should be construed as financial, legal, or investment advice. Past performance is not indicative of future results.

Investment risks

Investments in SCIF are speculative and involve risk, including the potential loss of principal. SCIF makes no representations or guarantees regarding future investment performance. No investment decision should be made based solely on information provided on this Site.

Loan eligibility and terms

All loans are subject to underwriting approval and terms may vary. Mortgage loan products are offered to qualified borrowers for business or commercial purposes only and may be secured by non-owner-occupied properties only. Origination fees and other fees may apply. Financing is subject to certain restrictions and requirements including, but not limited to, due diligence, credit evaluation, and approval of the subject property. Not all borrowers will qualify, and not all qualified borrowers will receive the lowest rate. Actual rates, terms, and conditions are subject to change without notice. Loan product availability may be limited in certain states. Pre-qualification, if offered, does not constitute a binding commitment to lend.

Use of the site

You agree to use the Site only for lawful purposes and in compliance with all applicable laws and regulations. Unauthorized reproduction, distribution, modification, or republication of any content on the Site is prohibited. Access to certain areas of the Site may require a user account. You are responsible for maintaining the confidentiality of your login credentials and agree to notify us promptly of any unauthorized use of your account.

Third-party links and services

The Site may contain links to third-party websites. SCIP does not endorse or assume responsibility for the accuracy, content, or privacy practices of any third-party site. You should review the terms and privacy policies of any third-party site before engaging with it.

Website content and disclaimer

The information provided on this Site is for informational purposes only. SCIP strives for accuracy but makes no representations as to the completeness, accuracy, or timeliness of any information on the Site. SCIP is not responsible for errors, omissions, or content on third-party sites linked from the Site. Users rely on information provided on this Site at their own risk.

Limitation of liability

The Site is provided "as is" and without warranties of any kind, express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose. SCIP will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Site.

Indemnification

You agree to indemnify and hold SCIP, SCIF, and their respective affiliates, employees, and agents harmless from any claims, liabilities, damages, losses, or expenses arising from your use of the Site, your violation of these Terms, or your infringement of any third-party rights.

Governing law and dispute resolution

These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Site shall be resolved through mandatory binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial or participation in a class-action proceeding.

Modifications and termination

SCIP reserves the right to modify these Terms or terminate access to the Site at any time without prior notice. Continued use of the Site following any modification constitutes your acceptance of the revised Terms.

Contact information

For questions about these Terms, contact us at:

Sage Credit Investment Partners LLC 732 Ninth Street #600, Durham, NC 27705 contact@scipfinance.com 919-679-2977