Disclosures & Licensing

Effective Date: 5/12/2025

This page provides important legal disclaimers and regulatory disclosures related to Trato Lending LLC’s lending practices and website content.

1. General Disclosures

Not a Commitment to Lend
All loan requests are subject to underwriting approval. Submission of information through our website, phone, or email does not constitute a loan approval, pre-approval, or a commitment to fund. Final loan terms, conditions, and eligibility requirements are determined only after full review and verification of submitted documentation.

Loan Terms Subject to Change
Loan terms—including interest rates, loan-to-value (LTV) limits, fees, and other conditions—are subject to change without notice. We reserve the right to adjust lending criteria based on market conditions, risk tolerance, and borrower qualifications.

Real Estate Investment Loans Only
Trato Lending LLC offers business-purpose loans for non-owner-occupied investment properties only. We do not provide consumer loans, personal loans, or loans secured by primary residences. Borrowers must certify that the purpose of the loan is for investment or business use.

2. Licensing Information

Trato Lending LLC currently operates as a private lender and capital partner for real estate investors. We are not a licensed mortgage broker or lender in every state. Our services are offered only in jurisdictions where we are legally permitted to operate.

If licensing is required in your state, and Trato Lending is not yet licensed there, we will refer your request to a compliant affiliate or lending partner as appropriate.

You may contact us directly at loans@tratolending.com to verify licensing or operating authority in your specific location.

3. Credit Authorization

By submitting your information, you authorize Trato Lending LLC and its affiliates to:

• Evaluate your loan request
• Perform a soft or hard credit inquiry, as required during underwriting (you will be notified when applicable)
• Share your information with third-party lenders, funding partners, or service providers necessary to process your application

We only share your data with trusted parties who comply with our privacy and security standards. See our Privacy Policy for more information.

4. Risks and Investment Disclaimer

Real estate investing involves risk. Past performance of real estate markets, borrower experience, or comparable sales is not a guarantee of future results. Borrowers should conduct their own due diligence, financial analysis, and consult independent advisors before entering into any transaction.

Trato Lending LLC does not offer legal, tax, or investment advice.

5. Equal Credit Opportunity Act (ECOA) Notice

We comply with the Equal Credit Opportunity Act, which prohibits discrimination in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant’s income derives from public assistance, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Contact Us

If you have any questions regarding licensing, disclosures, or legal compliance, please contact:

Trato Lending LLC
7901 4th St N STE 300
St. Petersburg, FL 33702
Email: loans@tratolending.com