[Olderguy]

Lenders operate outside the law all the time. In fact multiple lenders have paid massive fines for violating CA licensure laws. Based on banking attorneys have told me, this is my understanding of how it works. Maybe your lenders know better.

I doubt that is the case with the lender's I indicated above. Maybe some MCA lenders, but not thie super brokers I deal with. Make a phone call.