Regulatory & Service Disclosure
Regulatory Status Summary
Verdad Holdings Group is not a licensed lender, bank, registered broker-dealer, investment adviser, or mortgage banker. VERDAD provides commercial finance advisory services only. All financing is provided by independent third-party lenders. Nothing on this platform constitutes an offer to lend, a commitment to provide services, or financial advice.
Advisory Services Disclosure
Verdad Holdings Group provides commercial finance advisory and debt placement services to middle-market businesses and real estate sponsors. The following disclosures are provided to ensure full transparency regarding the nature of VERDAD's services and its relationship with clients and capital sources.
Not a Licensed Lender or Bank
Verdad Holdings Group is not a bank, savings institution, credit union, or licensed lending institution. VERDAD does not originate, fund, or underwrite loans. All financing offered to clients is provided by independent third-party lenders, including commercial banks, private credit funds, business development companies (BDCs), insurance companies, and other institutional capital sources.
Not a Registered Broker-Dealer or Investment Adviser
Verdad Holdings Group is not registered as a broker-dealer with the Financial Industry Regulatory Authority (FINRA) or the Securities and Exchange Commission (SEC). VERDAD does not provide securities brokerage services, underwrite securities offerings, or provide investment advice as defined under the Investment Advisers Act of 1940.
VERDAD's services are limited to advisory and placement services related to commercial debt financing. If your transaction involves securities, you should consult a registered broker-dealer or investment banker.
Commercial Finance Advisory & State Licensing
VERDAD provides commercial finance advisory services — including deal structuring, debt package preparation, and lender introductions — for commercial business transactions. Licensing requirements for these activities vary significantly by state and transaction type.
Texas (State of Organization): Verdad Holdings Group is organized under the laws of the State of Texas. Texas law does not require a license for commercial loan brokerage or advisory activity conducted between business entities.
Other States — What Clients Should Know: Some states impose commercial mortgage broker, loan broker, or finance lender licensing requirements that may apply to certain advisory activities depending on transaction type, loan amount, collateral type, and whether the borrower is an individual or a business entity. VERDAD evaluates applicable licensing requirements on a transaction-by-transaction basis in light of the specific facts of each engagement.
States with specific frameworks that may apply to commercial finance advisory activity include, without limitation: California (California Finance Lenders Law / CFLL), New York (New York Banking Law), Florida (Florida Mortgage Brokerage and Mortgage Lending Act as applicable to commercial transactions), and Illinois (Illinois Residential Mortgage Licensing Act, with commercial exemptions). Requirements in these and other states are subject to legislative and regulatory change.
Client Responsibility: Clients are encouraged to consult with qualified legal counsel in their state of residence or business operation regarding any applicable licensing requirements before engaging VERDAD's services. VERDAD will disclose any known licensing limitations applicable to a specific transaction prior to engagement.
Questions regarding VERDAD's licensing status or the applicability of state requirements to a specific transaction should be directed to info@vhfc.io.
Compensation Disclosure
VERDAD's compensation structure varies by engagement and is disclosed in writing before any financing transaction closes. Depending on the nature of the engagement, fees may be:
— Client-paid: A retainer, advisory fee, or success fee paid directly by the client upon closing or at defined engagement milestones.
— Lender-paid: A placement fee, referral fee, or yield-spread compensation paid by the lender or capital source upon closing.
— Dual compensation: A combination of client-paid and lender-paid fees, each disclosed separately.
Where VERDAD receives compensation from a lender or capital source in connection with a transaction, this creates a potential conflict of interest that VERDAD is required to disclose. VERDAD manages this conflict by: (1) disclosing all compensation arrangements in the written engagement agreement prior to closing; (2) presenting clients with all qualifying term sheets and allowing clients to make the final financing decision; and (3) not accepting compensation structures that would require VERDAD to recommend a specific lender regardless of client suitability.
No fee is earned solely for introducing a client to a lender. VERDAD's success fees, where applicable, are contingent on a financing transaction closing on terms accepted by the client.
No Guarantee of Financing
Engagement of VERDAD's advisory services does not guarantee that financing will be obtained. Approval of any financing is solely at the discretion of the applicable lender or capital source.
Market conditions, credit quality, collateral value, and other factors outside VERDAD's control may affect the availability and terms of financing. VERDAD makes no representation that any particular lender will approve a transaction or that any specific rate, term, or structure will be achievable.
Confidentiality of Client Information
VERDAD treats all client financial information as strictly confidential. Client information is shared with lenders or capital sources only with the client's express authorization. VERDAD does not share client information with competitors or unrelated third parties. All internal review of client information is conducted solely for the purpose of evaluating and executing the advisory engagement.
AI-Powered Tools
VERDAD's Platform includes AI-powered features for client intake, deal analysis, and general market education. These tools are powered in part by Anthropic, PBC's Claude AI platform. AI-generated content is informational only. It does not constitute advice, a commitment to provide services, or a representation of VERDAD's professional opinion on any specific transaction.
Users should not rely solely on AI-generated responses when making financing decisions. VERDAD's human advisors review all substantive client engagements.
Forward-Looking Statements
Any market commentary, rate estimates, lender appetite summaries, or transaction timelines provided by VERDAD — whether through its website, its AI tools, or its advisors — reflect current conditions and professional judgment as of the date provided. These statements are subject to change without notice and are not guarantees of future market conditions or transaction outcomes. Past market conditions are not indicative of future results.
Governing Jurisdiction
Verdad Holdings Group is organized and operates under the laws of the State of Texas. All disputes arising from the use of this Platform or VERDAD's services are subject to the exclusive jurisdiction of the courts of Bexar County, Texas.
Contact for Disclosure Inquiries
Verdad Holdings Group
San Antonio, Texas
vhfc.io
For questions regarding this disclosure, please email us at info@vhfc.io.