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Direct lender
Our capital, our decision, in hours.
Business funding · Direct lender · No property required
Fast Business Funding up to $10M, decision in 4 hours
Working capital, equipment, or growth capital, with no property as collateral. A two-minute application, a decision the same working day, and our own capital behind it - so nobody has to take your file somewhere else to get an answer. Available across 48 U.S. states - and, for business loans specifically, in Canada.
- Up to $10M
- Loan amount
- 4 hrs
- To a decision
- None
- Property collateral required
- 48 states + Canada
- Coverage
Why business owners use us
Direct lending built for operators who need a decision, not a referral.
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No property required
We underwrite the business, not a building.
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No SaaS fee, no platform subscription
You pay for the loan and nothing else.
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Soft credit pull to price it
You see a real number before anything touches your file.
Fast business funding from a direct lender
Working capital, equipment, and growth capital up to $10M. No property required. Decision in 4 hours. Available across 48 U.S. states - and, for business loans specifically, in Canada.
- Loan amount
- Up to $10M
- Decision time
- 4 hours
- Property collateral
- None required
- Coverage
- 48 U.S. states + Canada (business loans)
- Application
- About 2 minutes
- Use cases
- Working capital, equipment, growth, bridging receivables
Does your business qualify?
Baseline requirements before you apply. Coverage includes 48 U.S. states and Canada for business loans.
Eligible
- 1+ year in business
- $100K annual business revenue
- 625+ personal FICO score
- U.S. or Canada entity with a business bank account
Not eligible
- Businesses below minimum operating history
- Revenue below baseline program thresholds
- Applications that do not meet underwriting criteria
Available across 48 U.S. states - and, for business loans specifically, in Canada.
What you can use it for
Four common reasons operators come to us for business capital.
Working capital
Payroll, inventory, a gap between receivables and payables.
Equipment
Buy it outright instead of leasing it at a premium.
Growth capital
A new location, a new line, a hire you can't wait on.
Bridging a receivable
The contract is signed and the money hasn't landed.
What clients say
How businesses use CR Equity AI capital.
Sean Morris
Denise BranhamFrequently asked questions
Speed, collateral, coverage, and how pricing works.
We target a decision in 4 hours on complete files. Funding timing depends on your documentation and verification.
No. We underwrite the business, not a building. No property collateral is required for this product.
Across 48 U.S. states - and, for business loans specifically, in Canada.
No. You pay for the loan and nothing else. Soft credit pull to price terms before anything hard-touches your file.
Your bank will take six weeks to say no.
Two minutes to apply, decision in 4 hours.
- $10M
- Loan amount
- 4 hrs
- To a decision
- None
- Property collateral