Terms & Conditions

Sage Lending LLC is a commercial finance provider. We do not provide consumer loans or services, and our products are exclusively available to incorporated businesses, trusts, and qualified commercial entities. Our financing solutions are not structured or intended to qualify as traditional insurance premium financing under applicable state laws.

The funding extended under our loan agreements is not subject to premium finance licensing requirements as defined by state insurance codes. Sage Lending does not collect principal repayment except in contingent scenarios and does not structure amortized repayment schedules. All loans are subject to approval and executed under independently reviewed commercial loan documentation.

Sage Lending advances funds under interest-only structures, with repayment of principal subject to specific contingent events (e.g., claims or policy usage). Clients are advised to consult their legal counsel to fully understand the non-traditional nature of these arrangements.

Sage Lending does not lend to consumers, sole proprietors, or entities purchasing personal or residential insurance products. Our services are strictly limited to commercial entities, brokers, and qualified professional organizations.

Portal accounts are issued by Sage Lending. Borrowers are invited by our team; advisors are invited through the partner firm they place business with. There is no public registration, and an account may only be used by the person it was issued to.

You are responsible for keeping your password and any second-factor device secure, and for everything done through your account. Tell us immediately at clients@sagelendingservices.com if you believe an account has been compromised. We may suspend access at any time to protect an account or our systems.

By submitting an application, payment authorization or other form through this portal, you represent that you are authorized to act for the business named in it, and that the information you provide is accurate and complete at the time you provide it. Tell us promptly if it changes while a submission is under review.

An advisor submitting on a client’s behalf represents that they have reviewed the application with that client and are authorized to submit it.

Where this portal asks you to acknowledge disclosures, terms or an authorization, your electronic acknowledgment has the same effect as a handwritten signature. You agree that we may deliver notices, statements, documents and other communications to you electronically — through the portal or to the email address on your account — and that delivery is effective when sent or posted.

Keep the email address on your account current. You may request a paper copy of any document delivered electronically by contacting us.

Balances, payment schedules, policy details and documents in the portal are drawn from our servicing records and are current as of the date shown alongside them. They are provided for your reference. They are not a demand or a statement of account, and they do not modify your loan documents — if the portal and your executed documents disagree, the documents govern. Contact us for a figure you intend to rely on.

An invoice we issue through the portal is different. Whether it covers a single scheduled payment or a payoff of the loan, its amount is fixed from our records on the date it is issued and states what we will accept in settlement of the payments it lists, if paid in full by its due date. It is the figure to rely on for those payments. If an invoice is withdrawn or replaced, the replacement governs. A projected payoff figure shown before you request an invoice is an estimate only, and may change until the invoice is issued.

The portal is provided on an “as is” and “as available” basis. It may be unavailable for maintenance or for reasons outside our control, and it is not a channel for time-critical instructions. Anything urgent should go to the phone number or email addresses below.

We may update these terms from time to time. Changes take effect when posted on this page with a new effective date, and your continued use of the portal after that means you accept them.