CR Equity AI · Commercial Lending
Commercial Lending Matrix
Expanded envelope for commercial real estate — loan amounts to $50M, owner-occupied LTV up to 90%, and broader eligible asset classes. Indicative terms for borrowers and advisors; not a commitment to lend.
- $50K – $50M
- Up to 90% OO LTV
- Updated July 17, 2026
01 / Envelope
Expanded lending envelope
Client-facing program parameters for CR Equity AI commercial real estate lending — version 2.0, effective July 17, 2026. Supersedes Client-facing Commercial Lending Matrix v1.0 (SCRUM-1510).
Loan amount
$50K – $50M
Expanded from $5M ceiling
Max LTV
Up to 90% OO
85% special-purpose · Investment 80% / 75%
Programs
4 tracks
Including SBA 504-style & large-balance bridge
Max LTV headline: up to 90% for owner-occupied SBA-style programs (85% special-purpose). Investment occupancy remains 80% purchase / 75% refinance.
02 / Programs
Program matrix
Indicative terms by program track. Highlighted rows are new in matrix v2.
| Program | Loan amount | Term | Pricing | Max LTV | DSCR | FICO | Notes |
|---|---|---|---|---|---|---|---|
| Investment / Permanent | $50K – $10M | Up to 30 years | Market / index-linked | 80% purchase / 75% refinance | 1.25× | 660+ | Stabilized investment CRE |
| Standard Bridge | $50K – $10M | 12–24 months | SOFR-indexed | 80% purchase / 75% refinance | Case-by-case | 660+ | Acquisition, refinance, value-add |
| Owner-Occupied / SBA 504-styleNew in v2 | $50K – $50M | 10 / 30 years | UST-indexed | Up to 90% (85% special-purpose) | 1.20× | 660+ | Owner-occupied commercial use |
| Large-Balance BridgeNew in v2 | $10M – $50M | 18–36 months | SOFR-indexed | 80% purchase / 75% refinance | Case-by-case | 680+ | Non-recourse available |
03 / Assets
Eligible & ineligible assets
Eligible asset classes
- Multifamily (2+ units)
- Mixed-use
- Retail / shopping center
- Office
- Warehouse / industrial / light industrial
- Self-storage
- Hospitality (hotel / motel)
- Medical office
- Assisted living
- Gas stations
- Car washes
- Gyms / fitness facilities
- Bars / restaurants
- Daycare
- Auto / related specialty
- Funeral homes
- Mobile home parks (where program-eligible)
Ineligible
The following are the only asset categories listed as ineligible on this matrix:
- Raw land
- Ground-up construction
04 / Fees
Fees
Standard-program fees are unchanged from matrix v1. Expanded-envelope programs carry the additive note below.
| Fee | Amount |
|---|---|
| Origination | 1.00% – 2.00% of funded loan amount |
| Administrative fee | $1,995 |
| Third-party costs | Actual (title, appraisal / AIVAA, legal, recording) |
Large-balance & SBA-style programs
Large-balance and SBA-style programs: origination 2.00% + $3,500 admin.
05 / Disclaimer
Important disclaimer
This matrix summarizes indicative program parameters for discussion purposes only. It is not a commitment to lend, an offer, or a guarantee of terms. All loans are subject to credit approval, underwriting, collateral review, and documentation. Maximum LTV, DSCR, FICO, pricing, and fees vary by asset class, occupancy, geography, and borrower profile. Terms may change without notice. CR Equity AI does not disclose capital-partner identities on client-facing materials. Equal Housing Lender.