The Lender Report is operated by JPro Labs LLC.
1. Agreement to these terms
These Terms of Use (the "Terms") are a binding agreement between you and the company named in section 2 ("we," "us"), governing your use of lender.report and the content, data, tools, forms and services on it (the "Site"). By using the Site you accept these Terms and our Privacy Policy, which is part of them. If you do not agree, do not use the Site. If you use the Site for an entity, you represent that you can bind it, and "you" includes it. Where these Terms disclaim warranties or limit liability, they also protect our members, managers, officers, employees and agents.
2. What the site is, and the rules for using it
2.1 Who we are
The Lender Report is operated by JPro Labs LLC, a Delaware limited liability company ("we"). JPro Labs LLC, the company that operates The Lender Report, also operates Janover Pro, a commercial real estate software and data product, and is affiliated with Janover Capital, a commercial real estate financing business. Contact: desk@lender.report. Mail: JPro Labs LLC, 335 E Linton Blvd, Suite B14 #2074, Delray Beach, FL 33483.
2.2 What the site is
The Lender Report is a directory of banks, credit unions and other commercial lenders built from public records. We are not a bank or a lender. We do not make loans, take loan requests on behalf of any lender, make or influence credit decisions, or promise that any lender will offer credit. Nothing on the site is financial, legal or tax advice.
2.3 Business use only
The site is for business loans and loans on commercial or investment real estate. It is not for loans for personal, family or household use, and not for loans on a home you live in or plan to live in. Do not use any form on the site for those purposes.
2.4 Listing states
Each lender page is Unverified, Claimed or Verified. Unverified means the page was built from public records and the lender has not reviewed it; it says nothing about the lender. Claimed means a representative proved they act for the lender, with a work email address at the lender's own domain or another accepted proof. Verified is a paid listing: the lender pays a flat fee, we check that its representative works there, and the lender confirms its lending details on a stated date. No state is a rating, a recommendation or our opinion of a lender, and no state changes the order of search results, lists or rankings.
2.5 Financing requests
If you send a financing request, it goes to JPro Labs LLC. It is not sent to any lender or other person unless you later ask us in writing to send it. A person may reply with information from public records. We do not charge you, and we do not promise any result. Sending a request does not start a loan request with any lender. Do not send Social Security numbers, tax IDs, dates of birth, account numbers, credit scores or financial statements.
2.6 Messages to a lender
A Verified lender's page may let you send a message to that lender. The message goes only to that lender, at an address it chose. We do not choose lenders for you, screen messages, or send one message to more than one lender. The lender pays us a flat fee for its listing, not a fee per message or per loan. What the lender does with your message is governed by the lender's own policies and the law that applies to it. We are not a party to anything you and a lender agree.
2.7 People listed on the site
A lender may list people who work for it, with business contact details, after confirming each person agreed. Anyone listed can have their listing removed or corrected by writing to desk@lender.report. You may not use contact details from the site to send unsolicited bulk messages, to build or sell contact lists, or for any purpose covered by the Fair Credit Reporting Act.
2.8 Not a consumer report
The Lender Report is not a consumer reporting agency, and nothing on this site is a consumer report under the Fair Credit Reporting Act. Do not use this site to decide anyone's eligibility for credit, insurance, employment, housing or any similar purpose.
2.9 Public records and accuracy
Figures come from public records and are shown with their source and date. Public records can be late, incomplete or wrong. We do not warrant that any figure is current or complete. A past loan is not a promise of a future one. To report an error, write to desk@lender.report; our Corrections page explains the process.
2.10 Lender content
Text, people and details that a lender adds are the lender's own statements. The lender is responsible for them and for having the right to post them. We may remove lender content that breaks these terms or the Advertising Policy.
2.11 Names and marks
Lender names are used only to identify the lenders that the public records describe. The Lender Report is not affiliated with, sponsored by or endorsed by any lender or government agency named on this site, unless a page says so. All trademarks belong to their owners.
2.12 Waitlist
Joining a waitlist is not an order. Nothing is charged, no price is fixed by joining, and neither you nor we are bound to buy or sell anything.
2.13 Acceptable use
No scraping for resale, no automated bulk collection of people's contact details, no use of the site to harass any person or lender, no false claims of a lender's page. Published API and data terms govern machine access.
2.14 Paid plans (lender terms, when paid plans open)
Fees are flat and are for listing, verification and advertising services only. No fee depends on the number of messages a lender receives, on any loan being requested, approved or closed, or on any loan amount. We do not guarantee any number of views, messages or loans.
More on each: Verification Policy, Advertising Policy, Corrections, How we make money.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only.
We charge lenders flat fees for verification and advertising. Those fees, and the ads and Verified (paid) listings on this site, do not change search order or published data.
3. No offer, no commitment, no advice
Everything on the Site is general information. Nothing on it is, or may be relied on as: (a) an offer to lend, or a solicitation or commitment to provide financing; (b) a credit decision, a rate quote or a rate lock; (c) legal, tax, accounting, investment, financial or other professional advice; (d) a recommendation of any lender, loan or strategy, for you or anyone else; or (e) an offer to sell or a solicitation of an offer to buy any security. Search results are not a recommendation. Nothing here is a credit rating, a prediction, or a statement about the safety of any institution or its deposits. Lenders decide for themselves whether to lend to anyone and on what terms.
4. Eligibility and permitted use
The Site is for people at least 18 years old, in the United States, looking for information about business-purpose financing. Use it only for lawful purposes and in line with these Terms. The Site does not cover consumer credit, and it accepts no paid content about owner-occupied home loans or personal loans.
5. The data, and how it is built
Figures are compiled from public filings and government data, as explained on our methodology page. They are shown as filed, may be out of date or wrong, and do not cover every loan a lender makes. Search results are not a recommendation. Nothing here is a credit rating, a prediction, or a statement about the safety of any institution or its deposits. Unless a page says otherwise, institutions shown have not reviewed it. Names identify institutions and imply no affiliation. How it is built.
Corrections. Anyone can report an error through the correction form or at desk@lender.report. We reply within 2 business days and fix confirmed errors within 10. If we misread a filing we correct it and log the correction in the corrections log. Where the public record itself is wrong, we show the lender's correction beside it and say how to ask the agency to fix the source.
6. License and data use
Facts from government filings are public. You may use our public pages for search, AI answers and AI training at no charge if you (1) keep the source and date with any figure, (2) credit The Lender Report with a link when you show or rely on our figures, and (3) keep every Ad or Paid label with the content it belongs to. Data from our API and MCP server is licensed for your own internal use and your own work product, with the same credit. It may not be resold, redistributed as a dataset or used to build a competing data product. Bulk use needs a data license. Everything comes without warranty. Our figures are not a rating, a recommendation or advice.
Cite us this way: Source: The Lender Report, {page title}, {URL}, data as of {date}. More on the license page.
API and MCP keys. Keys are issued under the terms you accept when you create one. Free access is limited, for your own internal use, with credit and a link. No resale, no redistribution as a dataset and no competing data product. Do not work around the limits, for example by rotating addresses or keys. A free account raises them, and a developer license raises them further. The limits are printed on the developers page.
7. Lender pages and lender-supplied content
Each lender page shows public data. A page can also show content a representative of the lender has supplied, in a separate block marked as written by that lender (section 2.10). We review it for the rules in section 21 and may reject or remove it, but we do not rewrite it. Named people appear only as section 2.7 describes. Apart from a message you choose to send from a Verified lender's page (section 2.6), contact with a lender goes directly by phone, email or the lender's own website, outside the Site, and is between you and the lender. Legitimate lenders here will not ask you to pay through this site.
8. Information you submit
When you send information through the Site, you represent that it is accurate and complete in all material respects, that you have the right to provide it, and that doing so violates no law or agreement. You allow us to use it as our Privacy policy describes. Who receives a financing request and a message to a lender is set out in sections 2.5 and 2.6. Do not send Social Security numbers, tax IDs, account credentials, bank statements, credit scores or income through the Site.
9. Email
Email is the only way we write to you. We send sign-in codes and notices about your account, your claim and your billing. An alert sign-up takes effect when you confirm it from the email we send, or at once if you are signed in with that address. It is consent to alert emails about that alert only, and every alert email has a one-click unsubscribe that works without signing in. If you give a phone number on a financing request, a person may call you about that request. We do not send marketing texts and do not use recorded or artificial-voice calls.
10. Electronic communications
You consent to receive communications from us electronically, and agree that agreements, notices, disclosures and other communications we provide electronically satisfy any requirement that they be in writing.
11. Intellectual property
Except for public filings and the data licensed under section 6, the Site and its content, including text, design, graphics, logos, trade dress, data compilations and software, belong to us or our licensors and are protected by copyright, trademark and other laws. Our names and marks may not be used without our written consent. We grant you a limited, revocable, non-exclusive, non-transferable license to view the Site for your personal or internal business use. You may link to any page and quote short passages with a link back. Names of institutions appear only to identify them and imply no affiliation (section 2.11).
12. Prohibited conduct
You agree not to: (a) copy, scrape or systematically extract content or data from the Site except as section 6, our robots.txt and our API limits allow (search engines, AI answer services and AI crawlers may read our public pages under section 6); (b) interfere with or disrupt the Site or its infrastructure; (c) try to gain unauthorized access to any system or data; (d) submit false, misleading or fraudulent information, including a false claim to represent a lender; (e) use the Site to violate any law or third-party right; (f) frame, mirror or deep-link to the Site in a misleading way, remove an Ad or Paid label from content that carries one, or present our figures as a rating, a prediction or the statement of any regulator; or (g) reverse engineer or decompile any software on the Site.
13. Third-party websites
The Site links to third-party sites, including regulators and lenders. Those sites have their own terms and privacy policies. A link is not an endorsement, and we are not responsible for third-party content, products or services.
14. Disclaimer of warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT, DATA, TOOLS AND SERVICES ON IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, AVAILABILITY, OR UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY LENDER WILL OFFER ANY LOAN OR ANY PARTICULAR TERMS.
15. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW: (A) WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST OPPORTUNITIES, LOST DATA OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. THESE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED BY LAW.
16. Indemnification
You agree to defend, indemnify and hold harmless us and our affiliates, and their members, managers, officers, employees and agents, from any claims, liabilities, damages, judgments, awards, losses, costs and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Site; (b) your violation of these Terms or any law; (c) information or content you submit, including its inaccuracy; or (d) your violation of any third-party right.
17. Dispute resolution: arbitration, class waiver, jury waiver
Please read this section carefully. It affects your legal rights.
Any dispute, claim or controversy arising out of or relating to the Site or these Terms that cannot be resolved informally will be resolved by binding arbitration administered by the American Arbitration Association under its applicable rules, before a single arbitrator, seated in Palm Beach County, Florida. Judgment on the award may be entered in any court with jurisdiction. Either party may instead bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court for infringement or misuse of intellectual property or unauthorized access to the Site.
Class action waiver. All disputes must be brought in the parties' individual capacities, not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims or preside over any representative proceeding.
Jury trial waiver. To the extent any dispute proceeds in court rather than arbitration, each party knowingly, voluntarily and irrevocably waives its right to a trial by jury.
Time limit. To the fullest extent permitted by law, any claim arising out of or relating to the Site or these Terms must be started within one (1) year after it accrues, or it is permanently barred.
18. Governing law and venue
These Terms, and any dispute arising out of or relating to them or the Site, are governed by the laws of the State of Florida and applicable federal law (including the Federal Arbitration Act for section 17), without regard to conflict-of-law rules. Subject to section 17, the exclusive venue for any court proceeding is the state or federal courts in Palm Beach County, Florida, and you consent to personal jurisdiction there.
19. Changes; termination
We may change these Terms at any time by posting a revised version with a new effective date; continued use of the Site after posting means you accept it. We may suspend or end access to the Site, or any feature of it, at any time without notice or liability.
20. General
These Terms and the Privacy policy are the entire agreement between you and us about the Site and replace any earlier understanding on that subject. If a provision is unenforceable, it will be modified to the minimum extent needed and the rest stays in force. Not enforcing a provision is not a waiver. You may not assign these Terms; we may assign them without restriction. Headings are for convenience. Sections that by their nature should survive termination (including sections 3, 5, 6, 11, 14 through 18 and the license limits in section 23) survive.
21. Claim terms
These terms cover claiming a lender's page on the Site. Each claim is accepted, with this wording, when it is started.
By claiming this page you confirm that:
- You work for the lender and are authorized to act for it on this page. False claims may be reported to regulators and law enforcement.
- Everything you add will be accurate, current, and in line with the law, including advertising, licensing and fair lending rules. The lender holds the licenses its loans require.
- You will add only commercial-purpose loan information. No consumer or owner-occupied loan offers, and no deposit promotion.
- You will not add confidential supervisory information, such as exam results or ratings.
- You will not make offers or quotes tailored to a person, charge or ask for any fee through this site, or give payment instructions.
- You give The Lender Report a non-exclusive license to show your content, names and logos on this site and in its data feeds, including for search and AI answers, with your name attached.
- Claiming or paying gives you no control over published data, search order or any figure from a public filing. You can report an error like anyone else, with evidence.
- The Lender Report may remove content or suspend a claim at any time, and you can withdraw your claim at any time.
Checking who you are. A claim is checked by the routes open to that lender: a code sent to an address on the domain in the regulator's record, a DNS record on that domain, a signed authorization from an officer with title confirmed by calling the main number in the regulator's record, or, for a non-bank, a person's review of its entity record, license and domain. We never use a phone number the claimant supplies. No free email domains are accepted. Representatives re-confirm every 12 months, when the domain changes, and when someone leaves. Payment does not replace any of this.
Locked fields. Legal name, website, phone, email domain and regulator identifiers change only after a person reviews the change, and changes show in the page's history.
Moderation. A person reviews every first publication and every change to a rate or a claim. Lender content may not include upfront-fee language, payment instructions, personal email or links off the lender's own domain, or unsupported superlatives or promises of a yes. Rates must be labeled, dated and for commercial-purpose loans, and disappear after 30 days unless refreshed. Flagged content comes down within 1 business day pending review. A claim can be suspended if it proves false, or if the lender closes, merges, or loses a charter or license.
22. Lender plan terms
No paid lender plan is on sale yet. A lender can join a waitlist (section 2.12), which is not an order. When plans open, section 2.14 and the terms below apply, between us and the lender, accepted by a representative with authority.
What is sold. A Verified listing: confirmed lending details, the lender's own people and a contact form on its own page, and, when available, labeled ads, market sponsorships and aggregate analytics, each for a flat fee set in advance. The Verification Policy and the Advertising Policy are part of these terms.
What is not sold. Leads, referrals, borrower data, search order, changes to data, endorsements, or any influence over published figures. Data and ranking are outside this contract, and a lender disputes a figure through the same corrections process as anyone, free.
Pricing and billing. A flat fee in advance, monthly or annually at 10 months' price. No fee is linked to leads, clicks, messages, closed loans or loan size. Prices may change on 30 days' notice.
Renewal and cancellation. Monthly plans renew each month until canceled, and annual plans each year. Cancel any time in your account. Access runs to the end of the paid period, and we do not refund partial periods unless the law or the Verification Policy requires it.
Failed payment and ending. If a payment fails, access continues for 7 days, then the page returns to Claimed. The Verified (paid) label, the confirmed-details line, the contact form and ads stop, and the people the lender listed come off the page. We do not show that a lender used to be Verified. The public record never changes.
Confirmed details. A confirmation of lending details is good for 12 months. If the lender does not reconfirm, the page returns to Claimed.
Lender warranties. Your content is accurate, current, lawful and limited to commercial-purpose loan information, and you hold the licenses it requires. You add no confidential supervisory information, no offers tailored to a person, and no fee requests. Advertising duties, including any FDIC or NCUA statement or Equal Housing notice your content needs, are yours.
SBA. You will not pass the cost of a plan to any SBA applicant, no fee here is tied to any SBA loan, and you decide whether any Form 159 duty arises and are responsible for it. RESPA. You will not use your page to market owner-occupied home loans.
Third-party risk. We will cooperate reasonably with your third-party risk process under the banking agencies' guidance.
License to us. You grant us a non-exclusive license to show and distribute your content and names on the Site and in data feeds, including search and AI answers. It ends on cancellation, with a reasonable wind-down and subject to copies already distributed.
Analytics. Aggregates only: never the identity of who searched or viewed, and never a competitor's non-public information.
Suspension. We may suspend a plan for false claims, regulatory action, loss of a charter or license, closure, suspected fraud or breach, at once if needed to protect users. If we end a plan without cause we refund the unused part.
No agency. There is no agency, partnership, broker or fiduciary relationship. We do not represent the lender or any borrower. We make no promise of traffic, messages or loans.
Liability and indemnity. Our liability under this section is capped at the fees you paid in the prior 12 months, with no indirect damages. You indemnify us for your content, your licensing and your advertising compliance. Sections 17 and 18 govern this section too. Banks may negotiate this section with us in writing.
23. Free accounts
Brokers and borrowers never pay us. A free account holds saved lists and alerts and raises the API limits. These terms cover it.
What you may do with the data. You may use it for your own internal purposes and in deliverables you prepare for your clients. You may not resell it, redistribute it, republish it, or use it to build a competing dataset or data product. A data license is available for those uses.
Who may use an account. An account is for one person, who signs in with their own email. Do not share sign-ins or API keys.
Notes. The notes you write about a lender stay in your browser, and we cannot read them. Lists and statuses are private to you.
Fair use. Rate limits are on the developers page, and we may slow a key that affects the service for others.
24. Contact and formal notices
The Lender Report is operated by JPro Labs LLC. 335 E Linton Blvd, Suite B14 #2074, Delray Beach, FL 33483. desk@lender.report
A legal notice, including a claim that something on the Site infringes a copyright or is unlawful, goes to the same mailbox with "Legal notice" in the subject line, and by mail to the address above. Say what the material is, where it is on the Site, and how to reach you.