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AIVAA™ — OUR AI VALUES YOUR PROPERTY IN MINUTES. NO $3,000 APPRAISAL, NO THREE-WEEK WAIT

Why our loans close

AIVAA™ does the diligence. A licensed human signs the deal.

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Rob Stewart, Founder & Chief Executive Officer of CR Equity AI

Rob Stewart

Founder & Chief Executive Officer

Founded
2021
Loans closed
477
NMLS ID
2797309
MERS Org ID
1018189

Headquarters

On the map

3458 Lakeshore Drive, Tallahassee, FL 32312. Additional office in Alexandria, Virginia.

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Interactive map for 3458 Lakeshore Drive, Tallahassee, FL 32312

A lender that treats underwriting as an engineering problem

Licensed humans remain accountable for every decision that leaves the building.

CR Equity AI, Inc. was founded in 2021 to close deals that stall when diligence outlasts the opportunity. We originate, underwrite, and fund specialty real estate private credit: bridge, fix-and-flip, DSCR and rental, purchase-plus-rehab, ground-up construction, and small-balance commercial.

AIVAA, our proprietary generative agent stack, does the work that normally creates the delay. It values the asset, sizes the loan, models the cash flow, tracks condition through draw, runs the compliance calendar, and reports the pipeline — continuously, on every file, without waiting for a queue to clear. Sponsors get answers in the window where the answer still matters.

Over $300 million originated on that infrastructure, with process discipline intact.

Licensing, credit judgment, regulator contact, and signature authority sit with humans, and always will. AIVAA builds the file. People decide. Our current equity raise funds the executive seats that complete that structure.

Legal entity
CR Equity AI, Inc.
Site
crequity.ai
What we do
Specialty real estate private credit and commercial lending
Licensing
Real estate professional in Florida and Virginia
NMLS
2797309
Second office
Alexandria, VA
MERS Org ID
1018189

48 states

Business-purpose lending in 48 states. Team of 16.

#1036

Inc. 5000, 2025

We lend our own capital first. When a partner is the better fit for your deal, we place it — you still deal with us.

Four things your bank takes ten days to answer. AIVAA™ answers in ten minutes.

Every claim links to the page where you can verify it.

  1. 1

    Is this deal financeable?

    We lend our own capital, so the credit decision is made in-house. Term sheet the same day, not after the next committee cycle.

    See the programs
  2. 2

    Do I qualify?

    The property's cash flow and your track record set the number. DSCR programs qualify on asset performance rather than personal income documentation, so the answer does not wait on two years of returns.

    How DSCR works
  3. 3

    What's it worth?

    AIVAA™ is our in-house valuation engine: twelve data sources, three valuation approaches, an audit trail an examiner can retrace. Indicative value in minutes. Full report in 4-6 hours.

    See AIVAA™
  4. 4

    How much do I have to bring?

    Up to 100% LTC on qualifying Fix & Flip: three closed projects, $1M or less. The full grid is published, so you can size the deal before you call us.

    See the LTC grid
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Rob Stewart

Founder & Chief Executive Officer

Who signs

Accountability has a name on it. These are the people who carry the licenses, the attestations, and the relationships.

Rob Stewart, Founder & Chief Executive Officer of CR Equity AI

Robert Stewart Jr.

Founder & Chief Executive Officer

Reports to the Board of Directors

Rob Stewart founded CR Equity AI in 2021 on a conviction he had tested the hard way as an investor and licensed practitioner: most private credit deals do not die on the merits. They die in the diligence. He set out to build a lender where the analysis moves at the speed the deal actually requires, and where the answer a borrower gets is a real one.

The firm has closed 477 loans since inception, supported by a team of 16: fifteen technical staff building the platform and one full-time executive assistant. That structure is possible because the generative agent stack absorbs the valuation, modeling, condition management, and reporting work that would otherwise require a department.

As CEO he owns strategic direction, capital deployment, investor relations, and key partnerships: translating platform intelligence into board-level decisions and external commitments. He is a dual-licensed real estate professional in Florida and Virginia, a U.S. military veteran, a published author, and an active real estate investor through CR Equity Development Operations LLC.

He is known internally for a direct, consequence-explicit management style: decisions get made, owners get named, and dates mean something.

Role
Founder and CEO, CR Equity AI, Inc.
Since
2021
Licensed
Real estate, Florida and Virginia
Service
U.S. military veteran
Also
Author; principal, CR Equity Development Operations LLC

Aayush L.

Chief Development Officer

Owns product and software development strategy, the engineering roadmap, and technical architecture across CR Equity AI's proprietary stack: the generative agent platform, the origination system, and third-party integrations. He also governs the agent's own development lifecycle: what it is allowed to do, and what it learns to do next.

Charles G.

Chief Technology Officer

Responsible for infrastructure, cybersecurity posture, cloud architecture, data management, and systems reliability. Sets the access permissions and deployment controls that govern every interaction between the agent layer and borrower data. That boundary is what makes an AI-native lender auditable.

James P.

Chief of Compliance & Corporate Security

Leads regulatory compliance, corporate governance, internal controls, and security protocols across mortgage origination and data privacy. The platform monitors regulatory feeds and audit calendars continuously; he provides the legal interpretation, regulator liaison, and personal sign-off on every compliance attestation.

Steve F.

General Counsel

Contract review, regulatory interpretation, IP protection, and corporate governance, including attorney-of-record sign-off on investor documentation.

Every seat is two seats

The name is the person accountable. The line underneath is the agent function that carries the volume. Open seats are the priority of the current raise.

Executive Leadership

1

Rob S.

Chief Executive Officer

Agent: Strategy modeling, risk analysis, exec dashboards

21

Open seat

Chief Operating Officer

Agent: Workflow monitoring, bottleneck & staffing flags

Equity raise target

22

Open seat

Chief Financial Officer

Agent: Forecasting, variance analysis, reporting drafts

Equity raise target

23

James P.

Chief of Compliance / Corporate Security

Agent: Regulatory feeds, audit calendar, risk flags

17

Steve F.

General Counsel

Agent: Drafting support, precedent research, doc management

Humans carry judgment

Credit decisions, licensed sign-off, and the relationships no system can hold on its own.

  • Credit decisions and contextual override
  • Fiduciary accountability to investors and regulators
  • Licensed sign-off, attestations, and personal liability
  • Borrower, broker, and capital-partner relationships
  • Negotiation, exception handling, and closing execution
  • Strategic judgment where the data runs out

The agent layer carries volume

Valuation, calendars, and reporting that would otherwise require a department.

  • Valuation, sizing, and scenario modeling
  • Cash-flow projections and variance analysis
  • Condition tracking and milestone monitoring
  • Compliance calendars and regulatory change feeds
  • Pipeline analytics and partner performance scoring
  • Cross-departmental reporting and dashboards
See how AIVAA works

What we commit to

  • No SaaS fees, no hidden costs

    You pay for the loan. There is no platform subscription sitting behind it.

  • The terms are published

    The advance-rate grid, the conditions on 100% financing, and the document set are on the program pages before you apply.

  • Audit-ready from day one

    Every valuation input and adjustment is logged with its source, for your file and for an examiner.

  • Checking your terms costs you nothing

    Soft credit pull only. You see a real number before anything touches your credit file.

Bring us the deal your bank is still thinking about.

Two minutes to apply. Soft pull only. An answer in hours, including a fast no.

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