Terms & Conditions

Acceptance of Terms

By accessing or using any website, landing page, application, or digital property operated by Kovah Capital, LLC ("Kovah Capital," "we," "us," or "our"), submitting an inquiry, completing a contact form, or communicating with our team via phone, email, or text message, you ("you" or "Borrower") acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions ("Terms").

If you do not agree to these Terms in their entirety, please do not use our services, submit any form, or engage with our communications. Your continued use of our services constitutes acceptance of any updates to these Terms.

These Terms apply to all users of our website, prospective borrowers, and all parties who interact with Kovah Capital in any capacity. We reserve the right to modify these Terms at any time; updated Terms will be posted on this page with a revised "Last Updated" date.

Services Description

Kovah Capital, LLC is a private hard money lender providing short-term, asset-based real estate financing solutions to real estate investors and business entities. Our services include, but are not limited to:

• Fix & Flip Loans — Short-term bridge financing for the acquisition and renovation of residential and commercial properties intended for resale.
• DSCR Loans (Debt Service Coverage Ratio) — Investment property loans underwritten based on the rental income of the property rather than personal income documentation.
• Bridge Loans — Short-term financing solutions designed to bridge the gap between the acquisition of a new property and the sale of an existing asset or the securing of long-term financing.
• New Construction Loans — Draw-based financing for ground-up construction projects, including single-family residential and small commercial builds.
• Ground-Up Construction — Financing for raw land and spec builds from foundation to completion.

All loan products are offered for business and investment purposes only. Kovah Capital does not offer consumer mortgage loans, owner-occupied residential loans, or any product regulated as a consumer financial product under the Truth in Lending Act (TILA) or the Real Estate Settlement Procedures Act (RESPA) for primary residences.

All loans are subject to credit approval, property underwriting, and applicable state and federal regulations. Loan terms, interest rates, and fees vary based on transaction type, property, borrower qualifications, and market conditions. Nothing on our website constitutes a commitment to lend or a loan pre-approval.

Kovah Capital currently originates loans in Texas, Florida, and Georgia. Availability of specific loan products may vary by state and is subject to change without notice.

SMS / Text Messaging Terms

By providing your mobile telephone number to Kovah Capital and submitting any form, inquiry, or application, you expressly consent to receive text messages (SMS and MMS) from Kovah Capital, LLC, including messages sent using an automatic telephone dialing system or pre-recorded messages, at the mobile number you provided.

Consent is Not a Condition

You are not required to consent to receive text messages as a condition of receiving any loan, product, service, or other transaction with Kovah Capital. You may request to communicate with us via alternative means (phone or email) by contacting us at info@kovahcapital.com.

Supported Carriers

Our SMS messaging program is supported by all major U.S. mobile carriers, including but not limited to:

Carriers are not liable for undelivered or delayed messages. Message delivery is not guaranteed and may be affected by your carrier, signal availability, and device compatibility.

Compliance with Applicable Law

Our SMS communications comply with the Telephone Consumer Protection Act (TCPA), CTIA Messaging Principles and Best Practices, and applicable A2P 10DLC regulations. We register all messaging campaigns with U.S. mobile carriers through the Campaign Registry (TCR) as required.

Privacy Policy

Your privacy is important to us. The collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our services or communicating with us, you acknowledge and agree to the data practices described in our Privacy Policy, including the collection of contact information, loan inquiry data, and communications you send to us.

Key privacy principles include:

• We collect only the information necessary to evaluate your loan request and communicate with you.
• We do not sell your personal information to third parties.
• We may share your information with affiliated lenders, servicers, or third parties as necessary to process your loan application, subject to appropriate confidentiality agreements.
• We implement reasonable administrative, technical, and physical security measures to protect your information.

For full details, please review our Privacy Policy.

Disclaimer

Not a Bank or Federally Regulated Institution. Kovah Capital, LLC is a private lending company and is not a bank, credit union, savings institution, or federally chartered or insured financial institution. Our loan products are not insured by the FDIC or any other governmental agency.

Business Purpose Only. All loan products offered by Kovah Capital are for business and investment purposes only. We do not originate consumer mortgage loans. By applying for a loan, you confirm that the property and funds will be used for business, investment, or commercial purposes and not for personal, family, or household use.

No Investment Advice. Nothing on this website or in any communication from Kovah Capital constitutes legal, financial, tax, or investment advice. You should consult with a licensed attorney, CPA, or financial advisor before making any real estate investment or financing decision.

No Guarantee of Loan Approval. Submission of an inquiry or application does not guarantee loan approval. All loans are subject to underwriting review, property evaluation, borrower qualification, and final approval by Kovah Capital at its sole discretion.

Website Information. The information on our website is provided for informational purposes only and is subject to change without notice. Interest rates, loan terms, and program guidelines listed are illustrative and not a commitment to lend at those terms.

State Licensing. Kovah Capital, LLC operates in accordance with applicable state lending laws in Texas, Florida, and Georgia. Loan availability and terms vary by state.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KOVAH CAPITAL, LLC, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO:

• Your use of, or inability to use, our website or services;
• Any loan application, approval, denial, or transaction;
• Unauthorized access to or alteration of your information;
• Any content, statements, or conduct of any third party;
• Any other matter relating to our website or services.

IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS EXCEED THE GREATER OF (A) THE AMOUNT OF FEES ACTUALLY PAID BY YOU TO KOVAH CAPITAL IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Governing Law & Dispute Resolution

These Terms and any dispute arising out of or related to them shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Travis County, Texas, and you hereby irrevocably consent to the personal jurisdiction and venue of such courts.

Any claim or cause of action you may have arising out of or relating to these Terms or your use of our services must be commenced within one (1) year after the cause of action accrues, otherwise such claim or cause of action is permanently barred.

Waiver of Class Actions. Any disputes shall be resolved on an individual basis. You waive any right to participate in a class action lawsuit or class-wide arbitration against Kovah Capital.

Contact Information

If you have any questions about these Terms, our SMS program, or any of our services, please contact us:

For SMS opt-out requests, reply STOP to any message from us. For SMS support, reply HELP or email info@kovahcapital.com.

These Terms were last updated on July 9, 2026. We encourage you to review this page periodically for any changes.