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TERMS & CONDITIONS

Effective Date: February 10, 2026

By accessing or using the website (“Site”) operated by 890 Capital, you agree to these Terms & Conditions (“Terms”). Discontinue use if you do not accept them.

Use of the Site

You agree to use the Site for lawful purposes only.
You must not interfere with or disrupt the Site’s functionality or security features.

Real Estate and Investment Disclaimer

All information on this Site is provided for general informational purposes only.
890 Capital does not guarantee results or provide financial, legal, or investment advice.
Users should conduct independent research or consult licensed professionals before making decisions based on any information on this Site.

Marketing and Affiliate Disclosures

890 Capital may promote or provide links to products or services from third parties and may receive compensation through affiliate arrangements.
Such links or promotions do not constitute an endorsement, and 890 Capital is not responsible for third-party content, services, or products.

No Warranties

The Site and its contents are provided on an “as is” basis without any warranties, express or implied. 890 Capital makes no guarantees about the accuracy, reliability, or completeness of any information.

Limitation of Liability

To the maximum extent allowed by law, 890 Capital will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of this Site. Your use of this Site and any reliance on its content is at your own risk.

Indemnification

You agree to indemnify and hold 890 Capital and its affiliates harmless from any claims, liabilities, damages, costs, or expenses arising from your use of the Site or violation of these Terms.

Dispute Resolution

Any disputes arising from or related to these Terms shall be governed by the laws of South Carolina, without regard to conflict-of-law principles. Disputes will be resolved through binding arbitration or in the courts located in Charleston County, SC, if arbitration is not enforceable in your jurisdiction.

Third-Party Links

The Site may contain links to third-party websites or resources. 890 Capital does not control or endorse these sites and is not responsible for their content or privacy practices.

Changes to These Terms

890 Capital may update or modify these Terms at any time without notice. Your continued use of the Site after such changes indicates acceptance of the revised Terms.

Contact Information

For questions or concerns about these Terms, please contact us at frank@890capital.com.

Frequently Asked Questions

Everything you need to know

Can you provide an example of a 500k loan?

$10,000 origination fee at closing paid from borrower 12-14% annualized interest payments made monthly from the borrower ($5,000+/month).

What happens if a borrower goes bankrupt

or a property gets upside down?

The fund is diversified across multiple properties and loans, similar to a mutual fund. In case of default, we hold liens on all assets and will manage the recovery process to minimize loss. 890 Capital will leverage its existing relationship with the Caleb Pearson Real Estate team (over 500 homes flipped) to further minimize losses and finish out any projects that could need to be finished/sold.

How will 890 Capital make money?

Through interest-only loans on hard assets (real estate specifically).

Is this all completely legal? What steps have been taken in that regard?

Legal Compliance: Yes, all operations are legal. We have partnered with a reputable SEC law firm to draft our documents and an accounting firm for financial oversight.

How do I get my money out if something happens and I need money?

While the fund is designed for long-term investment, early withdrawal options are available under certain conditions, subject to fees. We require a 90-day notice to withdraw funds. However, we can usually return funds sooner than that.

What are the biggest risks for me as an investor?

Market volatility, borrower defaults, and liquidity risk. However, risks are mitigated through diversified investments, detailed underwriting, and professional management.

How can you make sure that the money will be getting lent out? Who has those relationships?

Our team has extensive networks and relationships with reliable borrowers in the real estate market to ensure capital is actively deployed. We will also be raising money in stages to ensure that the demand for loans aligns with the capital in the fund. We do this to guarantee that the fund is not paying on excess capital that can’t be deployed.

How much are you trying to raise?

890 Capital is in the process of closing an initial $10 million tranche, with an initial fund target of $25 million for year one. The fundraising will be segmented into phases to allow for strategic capital deployment.

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NAVIGATION

RISK AND DISCLOSURES:

890 Capital, LLC does not provide investment recommendations or financial advice through this website, and no communication through this website should be interpreted as such. The investment opportunities presented by 890 Capital, LLC are “private placements” of securities. These securities are not publicly traded, are subject to holding period requirements, and are available only to accredited investors. They are intended for investors who are capable of understanding and assuming the high risks involved and who do not require a liquid investment. Private placements offered by 890 Capital, LLC are not insured by the FDIC or any other federal government agency, nor are they guaranteed by 890 Capital, LLC. Investments in these securities may lose value, and there is no assurance of future returns. Neither the U.S. Securities and Exchange Commission (SEC) nor any state securities commission has endorsed or approved the investments presented or verified the accuracy or completeness of any information provided on this website. Investors must be prepared to bear the risk of loss, including the loss of their entire investment.

ACCREDITED INVESTOR:

The information provided on this website is for educational purposes only and does not constitute an offer to sell or a solicitation to purchase securities or real estate investments. Any such offers are made exclusively through the sponsor’s Private Placement Memorandum (PPM), which is only available to accredited investors and accredited entities as defined by the U.S. Securities and Exchange Commission. This material should not be construed as tax, legal, or financial advice. Investors are encouraged to consult with their own tax, legal, and financial advisors regarding their specific circumstances. Investing in real estate carries inherent risks, including but not limited to the potential loss of the entire investment, market volatility, tenant vacancies, and illiquidity. Neither cash flow, returns, nor property appreciation are guaranteed, and actual performance may fall short of projections. Additionally, there are significant restrictions on the sale or transfer of interests in private placements. Investors should be prepared for the possibility of not realizing expected cash flows or returns and the potential loss of their invested capital. Please do not invest if you are unable to bear the loss of your entire principal investment.