We lend our own capital
No marketplace, no broker chain, no "we will take it to committee and come back to you". The decision is ours, which is the only reason it can be fast.
About CR Equity AI
We are a direct lender that answers in hours
Not a marketplace, not a broker. We underwrite the property and your track record with our own AI, and we lend our own capital — which is why a decision takes hours instead of the six weeks a bank needs to say no.
- 5 min
- To a property valuation
- 4 hrs
- To an approval
- 10 days
- To funding
Why us
Four things your bank will not do
Every claim below links to the page where you can check it. That is the whole pitch — we publish the terms instead of quoting them once you are invested.
We underwrite the deal, not your pay slips
The property and your track record set the number. No income verification — which is exactly why this works when you are self-employed and a bank cannot read your returns.
We replaced the appraisal
AIVAA is our in-house valuation: twelve data sources, three approaches, an audit trail an examiner can retrace. It returns in under five minutes, where a commercial appraisal takes weeks and costs thousands.
You can reach 100% LTV
Three closed projects and a loan of $1M or less on the bridge track means you bring the deal, not the down payment. The full grid is published — no rate card behind a phone call.
The technology
We replaced the slowest part of lending
A commercial appraisal takes two to four weeks and costs $2,500 to $5,000. We built our own and it returns in under five minutes — that single change is most of where the speed comes from.
AIVAA valuation
Twelve data sources, three valuation approaches, a full audit trail. Returns in under five minutes.
Automated underwriting
The file is read, sized and scored on submission — which is what removes the six-week queue, not a faster human.
Risk and structure models
The same models set your advance rate off projects closed and credit score. That grid is published, not negotiated.
Audit-ready by default
Every input and adjustment is logged with its source. Examiner-ready without anyone assembling a workpaper.
Rob Stewart
Founder & Chief Executive Officer
Who you are borrowing from
A letter from the founder
I started CR Equity AI because I watched good deals die in underwriting queues. Not because the deal was bad — because the appraisal took three weeks, the file sat with a committee that met on Thursdays, and by the time anyone said yes the seller had moved on.
So we rebuilt the slow parts. We wrote our own valuation engine, we underwrite the property rather than your tax return, and we lend our own money so nobody has to take your file somewhere else to get an answer.
What we will not do is hide the terms. The advance-rate grid is published. The conditions on 100% financing are printed next to the number. If we cannot do your deal, you will hear that in hours, not in six weeks.
Inc. 5000VET100
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, the document set — all 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.
Bring us the deal your bank is still thinking about.
Two minutes to apply. No hard credit pull. An answer in hours — including, when it is a no, a fast one.