Ethical Lending

Ethical Private Lending

Over the last few years the private lending industry has been known for taking advantage of clients in their time of need.  In order to make a positive impact on our client “xCapital” has taken a stance to make sure all loans include our “Ethical Private Lending” Mantra.

NSF Fee forgiveness

All borrowers will have one NSF fee forgiveness within the term.  We dont feel that clients must be punished if they are having a bad month, we give a 7 day grace period, once we are notified.

Discharge Grace period

If a loan is paid out 30 days prior or 30 days after the term, no additional discharge fees will be charged.

Fair Pricing

xCapital will price every mortgage fairly and will not take advantage of the client ever.