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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 — with no property as collateral. Direct lender. We lend our own capital. Decision in 4 hours. Soft credit pull only — no hit to your score to get terms.
Apply in 2 minutes. Available in 48 states and, for this product, Canada. You pay for the loan — not a platform fee.
- Loan amount
- Up to $10M
- Decision
- 4 hours
- Property collateral
- None
- Coverage
- 48 states + Canada
What this is
What is a business loan from CR Equity AI?
Short-term capital for operating businesses—for working capital, equipment, growth, or bridging the gap between a signed contract and payment. We underwrite the business, not a building, and no property collateral is required.
Direct lender. We lend our own capital. Apply in 2 minutes and get a decision in 4 hours on a complete file. Available in 48 states and Canada for this product.
This is an operating-business loan, not a real estate investment loan. If you’re an ITIN or foreign-national investor looking to finance income-producing property, see ITIN & foreign national loans.
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. No SaaS fee, no platform subscription.
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Soft credit pull to price it
Soft credit pull to price terms — 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
A fit for this program
- 1+ year in business
- $100K annual business revenue
- 625+ personal FICO score
- U.S. or Canada entity with a business bank account
Not eligible
Outside this program
- 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. ITIN and foreign-national investors looking at income property should see ITIN & foreign national loans.
What you can use it for
Four common reasons operators come to us for business capital.
Working capital
Payroll, inventory, or a gap between receivables and payables.
Equipment
Buy equipment outright instead of leasing it at a premium.
Growth capital
A new location, a new line, a hire you cannot wait on.
Bridging a receivable
The contract is signed and the money has not landed.
Frequently 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.
See terms on the business
Apply in two minutes. Soft credit pull. Decision in 4 hours on a complete file. No property collateral.
- $10M
- Loan amount
- 4 hrs
- To a decision
- None
- Property collateral