Non-QM Broker Program
Non-QM Real Estate Broker Program
Register in 5 minutes. Start earning today.
Join the world’s first AI-powered Broker Referral Ecosystem. Close deals in a fraction of the time using CR Equity AI’s AIVAA™ underwriting tech stack.
- ~5 min
- Registration time
- 5
- Simple steps
- $0
- To register
01 — Before you start
Minimum eligibility requirements
Meet the requirements below to apply to the CR Equity AI Broker Program. If all 6 apply to you, you're ready to register. Meeting these requirements does not guarantee approval.
- Age 18 or olderYou must be at least 18 years old and legally able to enter into a binding referral agreement.
- Licensed or active CRE professionalHold a current real estate broker/salesperson or mortgage license in good standing, or work professionally in commercial real estate finance.
- U.S.-based with a valid tax IDHave a valid U.S. Social Security number (SSN) or Employer Identification Number (EIN). A completed W-9 is required before any referral fee can be paid.
- AML / KYC identity verificationProvide your legal name, business email, mobile number, and a valid government-issued photo ID. CR Equity AI will conduct KYC identity verification and OFAC/sanctions screening as part of the registration process. Incomplete information or an unsuccessful screening may prevent your broker account from being approved.
- Access to CRE deal flowSource, advise on, or have access to commercial real estate transactions that may be referred for financing or equity.
- Agree to program termsAccept the Third Party Originator (TPO) Agreement, Third Party Origination Guidebook, BSA/AML compliance obligations, and other Program Documents presented in the broker portal.
02 — Have these on hand
Registration checklist
Gather the information below before you open the sign-up page so you can complete registration in one sitting.
- Legal nameAs shown on your government-issued identification and applicable license
- Government-issued photo IDDriver's license, state ID, or passport for AML / KYC identity verification
- License number and issuing stateOr your CRE employer/company details, if applicable
- Business email and mobile numberFor account and verification codes
- SSN or EINFor your W-9
- Bank routing and account numbersFor referral payouts when payout setup is required
03 — How to register
Five steps, about five minutes
Sign up through the broker portal. Have your license information, government-issued photo ID, and W-9 details available before you begin.
- 01~30 sec
Open the sign-up page
Open the broker portal on desktop or mobile.
- Use your business email
- Chrome, Safari, or Edge
- 02~1 min
Create your account
Enter your legal name, business email, mobile number, and a secure password.
- Use your legal name
- 8+ character password
- 03~30 sec
Verify your email and phone
Confirm your email using the verification link and enter the code sent by text.
- Check your spam folder if needed
- Verification codes expire after 10 minutes
- 04~2 min
Complete your broker profile and KYC
Add your brokerage or company information, license details where applicable, markets served, and the asset types you work with. Upload a government-issued photo ID and complete AML / KYC identity verification.
- License number and issuing state, if applicable
- Government-issued photo ID for KYC
- 05~1 min
Sign the agreement and complete payout setup
Review and e-sign the applicable referral agreement, submit your W-9, and provide payout information when requested.
- W-9 with SSN or EIN
- Bank account details for eligible payouts
After registration
Account active? Submit your first deal.
Once your broker account is active, you can open a new referral, provide the required deal information and documents, and follow the file through your broker pipeline. Prefer a one-off lead first? Submit a deal.
Submit a new referral
Start a referral from your broker portal and provide the property, borrower, loan request, and other required deal information.
Get an AIVAA™ valuation assessment
AIVAA™ — AI Valuation & Analytics Assessment. Where applicable, AIVAA provides a property valuation and analytics assessment to support the lending process. It is not an appraisal, not an underwriting decision, and does not replace an appraisal where an appraisal is required.
Track your deal
Monitor referral status and available deal information from your broker pipeline. Eligible compensation is earned on funded loans and paid at closing from settlement.
CR Equity AI reviews broker applications individually. Meeting the minimum eligibility requirements does not guarantee acceptance into the program or funding of any referred transaction. Referral compensation applies to qualifying transactions under the applicable executed agreement and fee schedule.
Prefer a lighter referral relationship? Explore the Affiliate Partner Program.
04 — Compensation
How broker compensation works
You earn compensation when an eligible referred transaction funds. Not every referral results in compensation. Your applicable compensation depends on the transaction type and the executed broker agreement.
TPO compensation caps
| Compensation type | Maximum | Applies to |
|---|---|---|
| Broker origination fee Loan amount; charged to the borrower in addition to CR Equity AI and lender fees | Up to 2% | Loan amount; charged to the borrower in addition to CR Equity AI and lender fees |
| Broker administrative fee Maximum $500 on loans up to $1M; maximum $1,000 on loans above $1M | $500 / $1,000 | Maximum $500 on loans up to $1M; maximum $1,000 on loans above $1M |
| Referral transaction In lieu of origination and administrative fees on qualifying bare-referral transactions | 50% of Net Profit | In lieu of origination and administrative fees on qualifying bare-referral transactions |
Compensation disclosure requirements
- All broker compensation must be disclosed in a written, borrower-signed fee agreement delivered no later than term-sheet issuance and reflected on the settlement statement.
- No undisclosed side compensation or fees collected outside closing.
- A borrower may not be charged a broker fee on a loan that does not close unless a separate signed engagement permits it.
- Charging above the applicable cap constitutes an event of default under the applicable broker agreement.
When you get paid
- Compensation is earned only when the applicable loan funds and is paid at closing from settlement proceeds. CR Equity AI does not advance broker compensation.
- For referral transactions, referral compensation is paid upon collection rather than upon commitment.
- Compensation may be subject to clawback or setoff under the applicable broker agreement, including circumstances involving early payment default, rescission, repurchase demand, misrepresentation, or fraud.
What happens next
From referral to eligible compensation
A clear path after you submit — without promising approval, closing, funding, or payment on every file.
- 01
Submit referral
Open a new referral in the broker portal and provide the required property, borrower, loan request, and supporting documents.
- 02
Deal review
CR Equity AI reviews the referred file for completeness and program fit before it moves further in the lending process.
- 03
Terms / underwriting
Eligible deals proceed through CR Equity AI underwriting and terming. Outcomes depend on the file, program guidelines, and underwriting.
- 04
Closing
When a referred transaction closes, closing and settlement follow the executed loan documents for that deal.
- 05
Eligible referral compensation
Compensation is earned only on a funded loan and paid at closing from settlement (referral pay on collection, not commitment) — not every referral generates compensation.
Why partner
Why partner with CR Equity AI
Built for commercial real estate brokers who need a clear referral path into financing programs — not marketplace matching or guaranteed outcomes.
Commercial real estate financing programs
Refer borrowers into CR Equity AI loan programs spanning bridge, DSCR, Fix & Flip, F.L.E.X. 50™, and more.
Browse loan programsStructured deal submission
Use the broker portal for pipeline referrals, or start with a one-off lead when you need a lighter first step.
Submit a dealBroker portal and deal tracking
Register, manage referrals, and follow status from one broker portal workflow after your account is active.
Open broker portalAIVAA™ valuation and analytics
Where applicable, AIVAA™ provides a property valuation and analytics assessment to support the lending process — not an appraisal or underwriting decision.
Learn about AIVAA™
Explore related financing paths: bridge loans, DSCR refinance, Fix & Flip, F.L.E.X. 50™, and hard money loans.
FAQ
Broker program questions
Direct answers on eligibility, registration, compensation, AIVAA™, and how this differs from the affiliate program.
Licensed or active U.S. commercial real estate professionals age 18 or older with a valid SSN or EIN, verifiable contact details, access to CRE or Non-QM investor deal flow, and a valid government-issued photo ID for AML / KYC identity verification and OFAC/sanctions screening. Incomplete information or an unsuccessful screening may prevent approval. Meeting the minimum requirements does not guarantee acceptance into the program.
About five minutes across five steps: open sign-up, create your account, verify email and phone, complete your broker profile and AML / KYC identity verification, then sign the agreement and complete payout setup. Have license details, a government-issued photo ID, and W-9 information ready.
Opening a CR Equity AI broker account costs $0. An AIVAA™ subscription is required at onboarding to use the broker portal (no package, no login). Broker compensation on funded loans follows the published caps on this page.
The Non-QM broker program is the full TPO / broker portal under the Third Party Originator Agreement for professionals who submit deals, track pipeline, and earn broker or referral compensation. The affiliate program is a lighter referral track with its own dashboard and commission schedule.
Approved brokers can refer eligible business-purpose deals across CR Equity AI programs, including purchase, fix and flip, refinance, construction, bridge, DSCR, and related investor financing. Product fit depends on the file, guidelines, and underwriting.
Before eligible compensation can be paid, complete tax and payout setup as required in the portal, including a W-9 with your U.S. SSN or EIN and bank details when requested. Your legal name should match your identification and applicable license.
Yes. Once your broker account is active and Program Documents and AIVAA™ subscription conditions are met, you can open a new referral the same day. Approval is not guaranteed by meeting the minimum eligibility requirements alone.
Broker origination fees are capped at up to 2% of the loan amount, administrative fees at $500 (loans up to $1M) or $1,000 (above $1M), and bare referral transactions use a 50/50 Net Profit split in lieu of those fees. All broker compensation must be disclosed in a borrower-signed fee agreement by term sheet and on the settlement statement.
Compensation is earned only on a funded loan and is paid at closing from settlement proceeds; CR Equity AI does not advance fees. Referral compensation is paid on collection, not on commitment. Clawback and set-off may apply.
CR Equity AI reviews the referred deal, and eligible files may proceed through underwriting, terms, and closing. Submit through the broker portal — portal submission registers the deal and protects your fee. Funding and compensation are not guaranteed.
Sign up as a broker at https://broker.crequity.ai/signup. Use a business email and a mobile number that can receive a verification code.
No. AIVAA™ is an AI Valuation & Analytics Assessment. AIVAA outputs are indicative and non-binding — not a value, appraisal, approval, or commitment. AIVAA does not replace an appraisal where an appraisal is required.
Register as a broker
Five steps. About five minutes. $0 to open the account. An AIVAA™ subscription is required to use the portal. Start earning today on funded loans.