Privacy Policy

Effective October 16, 2026

1. Who We Are and What This Policy Covers

Redwood Cap Inc., doing business as Redwood Capital (“Redwood Capital,” “we,” “us,” or “our”), is a commercial finance brokerage. We help business owners obtain merchant cash advances and other business funding products from third-party funding providers. We do not offer consumer loans or consumer credit.

This Privacy Policy explains how we collect, use, share, and protect information when you visit www.redwoodcapx.com (the “Website”), submit a funding application, speak with our team, or communicate with us by phone, email, or text message (together, the “Services”).

By using the Services, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Services.

Our contact information

2. Information We Collect

We collect information that you provide to us directly, information generated when you communicate with us, and limited technical information collected automatically when you use the Website.

Business and financial information. When you request funding, we collect information about your business, including its legal name, DBA, address, phone number, tax identification number, state of incorporation, business start date, industry, estimated monthly revenue, requested funding amount, and the reason for funding. We also collect business bank statements, information about existing advances, loans, liens, judgments, or bankruptcies, and any other financial documents you choose to provide for underwriting.

Business owner and personal information. We collect the name, title, ownership percentage, date of birth, Social Security number, home address, personal phone number, email address, and estimated credit score of each business owner or guarantor listed on an application. With your authorization, we or our funding partners may obtain consumer and commercial credit reports about the business and its owners.

Phone numbers and contact details. We collect business and mobile phone numbers, email addresses, and your preferred method of contact. If you opt in to receive text messages, we also record the mobile number you provided, the date, time, and method of your opt-in, and any subsequent opt-out.

Communication history. We keep records of our communications with you, including call logs, call recordings where permitted by law and disclosed at the start of the call, voicemails, emails, text messages, chat transcripts, and notes taken by our team about your funding request.

Information collected automatically. When you visit the Website, we may automatically collect your IP address, browser type, device type, operating system, referring web page, pages viewed, time spent on pages, and similar usage data. See Section 7 (Cookies and Tracking Technologies) for details.

Information from third parties. We may receive information about you or your business from funding partners, credit bureaus, identity verification services, public records, and business data providers to verify your identity, assess eligibility, and prevent fraud.

We do not knowingly collect personal information from anyone under 18 years of age. Our Services are intended for business owners and authorized representatives of businesses.

3. How We Use Information

We use the information we collect for the following business purposes:

  • Underwriting and funding. To review your application, verify your identity and the identity of your business, evaluate eligibility, obtain credit reports, and present your request to funding providers that may offer you a merchant cash advance or other business funding product.
  • Account management. To prepare and deliver offers and contracts, coordinate funding, service your account, respond to renewal and refinancing requests, and keep records of your transactions with us.
  • Communication. To contact you by phone, email, or text message about your application, document requests, offers, funding status, renewals, and customer support. Text messages are sent only to numbers that have opted in, as described in Section 5.
  • Legal and regulatory compliance. To comply with applicable laws, including anti-fraud, anti-money-laundering, and commercial financing disclosure requirements, to respond to lawful requests from government authorities, and to enforce our agreements.
  • Fraud prevention and security. To detect, investigate, and prevent fraudulent applications, unauthorized access, and other illegal activity.
  • Website operation and improvement. To operate, maintain, secure, and improve the Website and the Services, and to understand how visitors use the Website.
  • Marketing by Redwood Capital. To tell you about our own funding products and services, where permitted by law and consistent with your communication choices. You may opt out of marketing communications at any time (see Section 8).

We do not use the information we collect to make automated decisions that have legal or similarly significant effects on you without human review.

4. How We Share Information

As a brokerage, we must share application information with funding providers in order to obtain offers for you. We share information only as described below.

  • Funding providers. We share your application, business and owner information, bank statements, and supporting documents with third-party funding providers (direct funders, lenders, and their underwriters) for the purpose of evaluating and funding your request. Each funding provider handles your information under its own privacy policy.
  • Service providers. We share information with vendors that perform services on our behalf, such as customer relationship management (CRM) software, document and e-signature platforms, web hosting, form and application processing, email and telephone systems, identity verification, and credit reporting services. These vendors are permitted to use your information only to provide services to us.
  • Credit bureaus and verification services. We may share identifying information with credit bureaus, bank verification services, and public records providers to verify information you have provided.
  • Legal requirements. We may disclose information when required by law, subpoena, court order, or government request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others, or to investigate fraud.
  • Business transfers. If Redwood Capital is involved in a merger, acquisition, financing, or sale of all or part of its business, your information may be transferred as part of that transaction, subject to this Privacy Policy.
  • With your direction. We share information with other parties when you ask us to or give us your consent.

We do not sell your personal information. We do not sell, rent, or trade personal information to third parties for money or other valuable consideration.

SMS consent and mobile opt-in data are never shared. The sharing described in this Section 4 does not apply to text messaging originator opt-in data and consent. Your mobile phone number, your SMS opt-in status, and your consent to receive text messages will not be shared with, sold to, or rented to any third party, affiliate, or partner for marketing or promotional purposes under any circumstances. Funding providers and service providers that receive your phone number as part of an application do not receive, and may not rely on, the SMS consent you gave to Redwood Capital. See Section 5 for full details.

6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information against unauthorized access, loss, misuse, or alteration. These safeguards include encryption of data in transit (TLS) on the Website and application forms, access controls that limit information to employees and vendors who need it to do their jobs, secure, access-restricted storage for bank statements and application documents, and confidentiality obligations for our staff and service providers.

No method of transmitting or storing information is completely secure. We cannot guarantee absolute security, and you provide information at your own risk. Please do not send Social Security numbers, bank account numbers, or full bank statements by unencrypted email or text message; use the secure upload on our Website or the method your representative provides.

If we learn of a security incident that affects your personal information, we will notify you and the appropriate authorities as required by applicable law.

7. Cookies and Tracking Technologies

The Website uses cookies and similar technologies to operate properly and to understand how visitors use it. A cookie is a small text file stored on your device by your browser.

  • Essential cookies. Required for the Website and application forms to function, such as remembering form progress and keeping the site secure. These cannot be turned off through our Website.
  • Analytics cookies. Help us understand which pages are visited, how long visitors stay, and where visitors come from, so we can improve the Website. Our hosting and analytics providers may set these cookies on our behalf.
  • Advertising cookies. We may use cookies or pixels from advertising platforms to measure the performance of our own advertising and to show Redwood Capital ads to people who have visited the Website. These cookies are never used to share your mobile number or SMS opt-in information with anyone.

Your choices. Most browsers let you refuse or delete cookies through their settings. If you disable cookies, some parts of the Website may not work as intended. The Website does not currently respond to “Do Not Track” browser signals. Where required by law, we honor opt-out preference signals such as the Global Privacy Control.

Third-party services embedded on the Website, such as our application form provider, may collect information under their own privacy policies. We encourage you to review those policies.

8. Your Rights and Choices

You control how we communicate with you, and you may ask us about the information we hold.

Opt out of text messages. Reply STOP to any text message from us, or contact us by phone or email as described in Section 5.

Opt out of marketing emails. Click the “unsubscribe” link at the bottom of any marketing email, or email sales@redwoodcapx.com with “Unsubscribe” in the subject line. We may still send you transactional emails about an active application or account.

Opt out of marketing calls. Tell any Redwood Capital representative that you do not wish to receive further calls, or call (323) 364-5176 or email sales@redwoodcapx.com and ask to be added to our internal do-not-call list. We honor the National Do Not Call Registry and our internal do-not-call list as required by the Telephone Consumer Protection Act (TCPA) and the Telemarketing Sales Rule.

Access, correction, and deletion. You may ask us to confirm what personal information we hold about you, correct inaccurate information, or delete your information. We will honor deletion requests except where we must keep records to complete a transaction, comply with legal or regulatory obligations, resolve disputes, enforce our agreements, or maintain a record of your opt-out so we do not contact you again.

California residents. If you are a California resident, the California Consumer Privacy Act (CCPA), as amended, may give you additional rights, including the right to know what personal information we collect and how it is used and shared, the right to delete, the right to correct, the right to opt out of the sale or sharing of personal information, and the right not to be discriminated against for exercising these rights. Redwood Capital does not sell or share personal information for cross-context behavioral advertising. Information collected from you as a business owner or representative in a business-to-business transaction may be subject to the exemptions in the CCPA.

How to submit a request. Send requests to sales@redwoodcapx.com or call (323) 364-5176. We will verify your identity before acting on a request, typically by confirming details from your application. You may authorize an agent to submit a request on your behalf; we will require proof of that authorization. We will respond within the time required by applicable law, generally within 45 days.

Nevada residents. Redwood Capital does not sell covered information as defined under Nevada law. Nevada residents may submit a verified opt-out request to sales@redwoodcapx.com.

9. Data Retention

We keep personal information for as long as needed to fulfill the purposes described in this Privacy Policy, including to service funded accounts, comply with legal, tax, and regulatory record-keeping obligations, resolve disputes, and enforce our agreements. Records of SMS opt-ins and opt-outs are retained for at least four years after your last message, as required to demonstrate consent under the TCPA. When information is no longer needed, we delete it or de-identify it.

10. Children’s Privacy

The Services are intended for adults acting on behalf of a business. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal information, contact us and we will delete it.

11. Third-Party Websites

The Website may contain links to third-party websites, including funding providers, document portals, and social media. We are not responsible for the privacy practices of those websites. This Privacy Policy applies only to information collected by Redwood Capital.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page and, for material changes, provide additional notice on the Website or by email. Your continued use of the Services after a change takes effect means you accept the updated policy.

13. Contact Us

If you have questions about this Privacy Policy, our text messaging program, or how we handle your information, contact us:

Redwood Cap Inc. d/b/a Redwood Capital
330 W 11th Street, Suite 504
Los Angeles, CA 90015
Phone: (323) 364-5176
Email: sales@redwoodcapx.com
Website: www.redwoodcapx.com