How to reach CapitalStone Financial

Legal Entity & Registration

CapitalStone Financial, LLC is a North Dakota limited liability. The firm is registered as a mortgage broker in all 50 states and operates under applicable federal and state regulations governing commercial mortgage brokerage and investment advisory services.

NMLS ID: 1847235

SEC Registration: CapitalStone Financial operates under exemptions provided by the Investment Advisers Act of 1940 and applicable state securities laws. The firm is not a registered investment adviser under the Act.

Business Model & Compensation

CapitalStone Financial acts as an intermediary connecting borrowers with institutional lenders and equity investors. The firm is compensated through:

• Origination Fees: Paid by borrowers upon successful loan closing, typically 0.25% - 1.5% of loan amount
• Advisory Fees: Flat fees or retainers for complex structuring and advisory services
• Equity Co-Investment Returns: When investing firm capital, CapitalStone earns returns through its equity position and potential promote structures

All compensation arrangements are disclosed in writing prior to engagement. CapitalStone does not accept undisclosed fees or compensation from lenders.

Important Disclaimers

Not a Lender: CapitalStone Financial is not a direct lender. All loan products are provided by third-party institutional lenders and are subject to credit approval, satisfactory due diligence, and execution of definitive loan documents.

No Commitment to Lend: This website and all marketing materials do not constitute an offer to lend or a commitment to provide financing. Terms, rates, and availability are subject to change without notice.

No Investment Advice: Information provided on this website is for informational purposes only and does not constitute investment, legal, tax, or accounting advice. Prospective clients should consult their own advisors.

Past Performance: Historical transaction volumes, closed deals, and prior financing terms are not indicative of future results or guaranteed outcomes.

Equal Housing & Fair Lending

CapitalStone Financial is committed to fair and equal treatment in all aspects of commercial real estate financing. We comply with all applicable federal and state fair lending laws, including:

• Fair Housing Act
• Equal Credit Opportunity Act (ECOA)
• Americans with Disabilities Act (ADA)
• State and local anti-discrimination statutes

We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, sexual orientation, gender identity, or any other characteristic protected by law.

Privacy & Data Security

CapitalStone maintains strict confidentiality standards and employs industry-standard security measures to protect client information. We do not sell or share borrower information with third parties except as required for transaction processing, as permitted by law, or with explicit client consent.

For detailed information about our data practices, please review our Privacy Policy.

State Licensing Information

CapitalStone Financial holds mortgage broker licenses in all 50 states. State-specific licensing information, including license numbers, regulatory disclosures, and consumer protection information, is available upon request.

To verify our licensing status or file a complaint, please contact your state's banking or financial services department or email compliance@capitalstonefs.com.

Professional Liability Coverage

CapitalStone Financial maintains errors and omissions insurance, fidelity bond coverage, and general liability insurance appropriate for the scope and scale of our operations.