Fund Smarter. Close Faster. With AI.

CR Equity.AI is a patented AI-powered deal and capital network that connects borrowers with verified direct lenders, family offices, and accredited investors worldwide. Our AI chatbot CREAi automatically underwrites your file, matches you with lenders who are Ready, Willing, and Able to fund, and delivers term sheets in as little as 24 hours all secured by blockchain technology.

No. CR Equity.AI does not charge any subscription or SaaS fee. You pay nothing simply to access the platform or receive a term sheet. Fees are only triggered after you formally accept terms and choose to proceed with a transaction.

Yes. In addition to underwriting costs, CR Equity.AI applies platform-level transactional fees that support the secure, encrypted, AI-driven infrastructure used to process, validate, and deliver compliant terms. These include a Platform Processing Fee, AI Underwriting Engine Access Fee, Immutable Ledger & Audit Trail Fee, and Secure Document Generation & Storage Fee. These are not optional they are required to maintain the integrity, security, and compliance of the platform ecosystem.

CR Equity.AI is a technology solution not a broker and not a single direct lender. We give you direct access to verified global capital sources. Using our immutable ledger and blockchain, your identity and deal details remain private until final terms are presented, connecting you to the right lender without middlemen diluting your deal.

We fund a wide range of transaction types: bridge loans, new construction, fix-and-flip, rental, CMBS, HUD, refinance, perm-to-perm, and land development. We also support equity deals preferred equity, general equity, and gap funding for real estate acquisitions, business expansion, and working capital. We do not offer personal loans or fund owner-occupied primary residences.

Bridge loan rates typically range from 150–600 bps over SOFR with 12–60 month terms. Senior (permanent) debt ranges from 100–500 bps over SOFR with terms up to 40 years. Most loans are structured as interest-only, with the full principal due at maturity. Rates and terms vary based on deal type, LTV, and borrower profile.

In most cases, no. The majority of loans on our platform carry no prepayment penalty, allowing borrowers to pay off or refinance before the maturity date without additional cost.

Yes to both. Our lenders finance undeveloped land at typically 30–50% LTV. For ground leases, terms are structured based on the remaining lease term and the overall exit strategy of the transaction.

Yes, we can lend to individuals. However, most deals close under a business entity (Corp, LLC, INC, etc.). These are investment loans intended for business purposes only. We do not lend on primary residences or owner-occupied assets.

You can typically expect a term sheet within 24 hours of submission. Once you accept terms, CREAi immediately prepares closing packages and loan documents. Funding can be secured in as little as 3 days for the right transactions a dramatic improvement over the 2–4 week industry average.

When you submit your file, CREAi automatically underwrites it using machine learning and predictive analytics analyzing financial data, MAI-grade property valuations in under 2 hours, borrower profiles, and open-source data. The fully underwritten file is then routed directly to matched lenders for approval, eliminating weeks of manual back-and-forth.

Yes. CR Equity.AI supports full mobile access, allowing you to submit applications, review term sheets, upload documents, and manage your transaction entirely from your smartphone or tablet.

Yes. During the intake process, we ask about your current financing and any existing interest. Upload that information into the system so our AI can seek better terms on your behalf. Competition among our lenders works in your favor.

Preferred equity is a priority ownership position in a real estate asset that receives distributions and repayment before common equity holders. On our platform, preferred equity pricing typically ranges from 12%–14%. Multifamily investments generally target IRRs between 12%–15%, varying by market, asset class, and risk profile.

Yes. Our platform supports all lawful forms of capital, including gap funding, preferred equity, general equity, and opportunistic equity. Our AI sizes up your deal and presents it to relevant investors, who then bid and provide final terms in real time.

Private lending involves providing loans in exchange for interest payments. Private equity means investing by purchasing ownership stakes in a project or company. Both generate returns but differ in structure, risk, and timeline. CR Equity.AI supports both on the same platform.

We operate a zero-trust security environment combined with AES-256 encrypted workflows and an immutable blockchain ledger, ensuring your identity and deal details remain private until final terms are presented. Single Sign-On (SSO) with multifactor authentication ensures only you can access your transactional data.

Yes. Our verified lenders and family offices provide funding across more than 34 countries globally. Submit your project through the platform and CREAi will match it with appropriate international capital sources including cross-border financing and stablecoin settlement options.

Yes. CR Equity.AI runs an affiliate partner network that pays you for each referred client who signs up on the platform. Visit crequity.ai/affiliate for full details on commissions and how to get started building passive income.