Terms of Membership & Pure Directory Positioning
Last revised: November 2026 • Mandatory acceptance required by all members.
LEGAL & REGULATORY NOTICE: Finance Restructuring is not a broker, lender, credit provider, credit licensee, or financial adviser. Finance Restructuring operates solely as a membership-based technological directory and communication venue connecting property-backed borrowers with private and institutional capital providers. Finance Restructuring does not arrange credit, evaluate creditworthiness, negotiate mortgage terms, hold escrow funds, or guarantee financing outcomes. All users must perform their own independent legal, valuation, accounting, and financial due diligence.
1Pure Directory & Technology Venue Basis
Finance Restructuring is explicitly not a credit broker, loan arranger, licensed credit provider, mortgage intermediary, or financial adviser under any international, federal, or state financial regulatory framework.
The service provided is strictly a technological directory and discovery venue enabling property-backed borrowers to publish summary loan requests, and capital providers (such as private funds, syndicates, and family offices) to browse listings using standardized loan-to-value (LVR) metrics.
Finance Restructuring does not negotiate terms, execute loan agreements, hold client funds in escrow, assess creditworthiness, or receive loan volume success percentages.
2Borrower Membership & Mandatory LVR Validation
Borrowers register by paying a one-time onboarding fee of USD $125 and maintain an active listing subscription of USD $9.99 per month.
Every borrower listing must provide a verifiable sworn asset value and requested loan amount. The system computes and stores the Loan-to-Value (LVR) ratio: LVR = (Loan Amount ÷ Asset Value) × 100.
Borrower contact credentials and detailed diligence files remain redacted from public view until an accredited capital provider spends a contact credit.
3Lender Membership & 60-Day Contact Credit Policies
Lenders register by paying a one-time institutional vetting fee of USD $395 and subscribing to a monthly contact credit package (Starter, Professional, Growth, Corporate, or Institutional).
- Viewing full borrower contact details (name, phone, email, address, and files) deducts exactly 1 contact credit.
- Credits expire 60 days following the billing issuance date.
- Once unlocked, the borrower listing remains permanently accessible in the lender's Unlocked Leads tab without incurring subsequent charges.
4Permanent License Attribution & Residual Economics
Regional License Partners hold unique alphanumeric license codes (e.g., NSW001, CALI001, UK001). When a borrower or lender enters a license code during registration, the attribution is permanently locked in the database and cannot be modified.
Residual commissions are calculated on recurring monthly fees:
- Foundation Tier: 35% residual on attributed borrower monthly subscriptions ($3.50/mo per borrower).
- Executive Tier: 35% on borrower fees + 40% on attributed lender monthly contact plans.
- Master Tier: Custom regional exclusivity with 40% borrower and 45% lender residual entitlements.
5Independent Diligence Requirement
All parties (borrowers, lenders, and regional licensees) acknowledge that they must conduct their own independent legal, valuation, accounting, title, and financial due diligence before entering into any credit transaction.