Timed closeCommercial bridge
Buy or refinance an investment property when a bank cannot close on time.
9-15 days typical close
Direct lender · Not a broker
Hard money loans. Funded in as little as 48 hours.
Short-term loans secured by investment real estate. Direct lender. We lend our own capital. Get real terms in 5 minutes. Soft credit pull only — no hit to your score to get terms.
Inc. 5000 #1,036 (2025). Business-purpose lending in 48 states. We review each deal with our own AI and lend our own capital.
- Rate floor
- 10.99%
- Fastest fund
- 24-48 hours
- Typical close
- 9-15 days
- Loan range
- $100K-$100M
What this is
What is a hard money loan?
A hard money loan is a short-term loan secured by an investment property. Investors use it when a traditional bank cannot close fast enough or when the property needs work before it qualifies for long-term financing.
At CR Equity AI, the right program may be Commercial Bridge, F.L.E.X. 50™, or Fix & Flip.
CR Equity AI is the lender—not a broker. We evaluate the property, make the lending decision, and fund the loan with our own capital.
Choose your loan
Which option fits your deal?
Tell us what you're looking to accomplish. We'll show you the right program, available terms, required documents, and expected timeline.
- Timed close
Purchase + rehabFix & Flip
Use one loan to buy and renovate a property. We consider what it may be worth after the work is complete.
Qualifying deals may cover up to 100% of purchase and renovation costs
Fewer documentsF.L.E.X. 50™
Borrow up to 50% of the property value with fewer documents and no minimum credit score.
15.00% rate · 5.00% lender fee
Speed
How quickly can you get funded?
Terms and a lending decision can come the same day. Funding is a separate timeline: as fast as 24-48 hours when title is clear and all documents are ready, or 9-15 days for most files.
Fastest
24-48 hours
When the property title is clear and all required documents are ready.
Typical — plan for this
9-15 days
For most files. After the decision, title, insurance, and closing still need to be completed.
Same day, before funding
01
2 minutes
Apply
02
5 minutes
See your terms
03
Up to 4 hours
Get a lending decision
A soft credit pull is used to show your terms. We then review the deal and make the lending decision. Title, insurance, and closing requirements usually determine the final funding date.
Published pricing
What does a hard money loan cost?
See our published rates before you apply—not after. Rates range from 10.99% to 15.00%.
The program that fits your deal determines the rate—not how quickly you need to close.
| Light documentation | Standard loan | |
|---|---|---|
| Interest rate | 15.00% fixed rate | Starts at 10.99% |
| Lender fee | 5.00% at closing | 1.50% at closing |
| Fee when the loan ends | 0.50% | 0.50% |
| Yearly servicing fee | 0.25% | 0.25% |
| Application fee | $595 | $595 |
| Property valuation | $999 | $999 |
| Technology fee | $999 | $999 |
| Maximum loan amount | Up to 50% of the property value | Based on the property and your experience |
| Documents | Fewer documents — no tax returns, W-2s, or bank statements | Standard document set |
How much
How much can you borrow?
With a 660+ credit score, your maximum leverage depends on your credit score and the number of completed projects. Depending on the program and your experience, we can lend 70% to 95% of the property value.
Soft credit pull only — no hit to your score to get terms.
Each group shows three credit ranges: 660–699, 700–719, 720+. Hover over a bar to see the maximum percentage of the property value we can lend for each credit range and experience level.
First-time investor
- Credit 660–69970% LTV
- Credit 700–71975% LTV
- Credit 720+80% LTV
1–2 projects
- Credit 660–69975% LTV
- Credit 700–71980% LTV
- Credit 720+85% LTV
3–5 projects
- Credit 660–69980% LTV
- Credit 700–71985% LTV
- Credit 720+90% LTV
6–9 projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+93% LTV
10+ projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+95% LTV
The light-documentation option provides financing of up to 50% of the property value. If you plan to keep the property as a rental, a DSCR loan may be a better fit because qualification is based on the property's rental income.
For qualifying Fix & Flip loans of $1,000,000 or less, financing may cover up to 100% of the purchase price and renovation costs if you have completed at least three projects.
Credit below 660
We look more closely at the property.
The credit-and-experience chart starts at 660. Below that score, property type, value, and overall deal strength play a greater role in determining how much we can lend.
- Single-family90%
- Multifamily80%
- Retail70%
- Industrial65%
- Storage65%
- Mixed-use65%
- Office60%
- Hospitality60%
- Land55%
The difference
Direct lender or broker: what changes?
A direct lender controls the lending decision and provides the capital. A broker submits your application to another lender, who makes the decision and provides the funds.
| Brokered hard-money shop | CR Equity AI | |
|---|---|---|
| Who provides the money | Another lender chosen by the broker | CR Equity AI |
| Time to see terms | Days, while the broker looks for a lender | Real terms in 5 minutes |
| Credit to see a number | Often a hard pull | Soft credit pull only — no hit to your score to get terms |
| Property value to see terms | May require an appraisal and a wait | Property valued in minutes, not weeks |
| Fastest funding | Depends on the lender the broker finds | 24-48 hours once title is clear |
| Typical closing time | Depends on the lender | Typical bridge close is 9–15 days |
Valuation
Do you need an appraisal to see terms?
No. AIVAA™ estimates the property's value when you apply, so you can see terms without waiting for a full appraisal. Some loans may still require a certified appraisal before closing.
| Traditional appraisal | AIVAA™ on your application | |
|---|---|---|
| To see terms | 2–4 weeks, after you order and pay | minutes — runs when you apply |
| Cost of the property valuation | $2,500–$5,000 for a commercial appraisal | $999 when the loan closes |
| Full written report | Same two-to-four-week wait | 4-6 hours |
| What it is | A certified appraisal | A property evaluation, not a certified appraisal |
| At closing | You already paid for this just to see terms | Some files still need a certified appraisal |
Who it fits
Is this loan right for you?
This financing is for investment properties and business purposes. It is not intended for a home you plan to live in.
Fits
This program can work
- Investment real estate with a closing date a bank will miss
- Fix and flip, renovation, or a refinance that cannot wait for a bank
- LLC and entity borrowers financing investment property
- Borrowers below a 660 credit score whose property supports the loan
Does not fit
This program cannot work
- Owner-occupied primary homes
- RV parks and trailer parks
- Loans under $100,000 or deals without a clear repayment plan
Questions
Hard money questions
Direct answers. The number is on this page, not behind a call.
Yes. We provide short-term loans secured by investment real estate. Direct lender. We lend our own capital.
We are not a broker. Your application stays with us.
Rates range from 10.99% to 15.00% at CR Equity AI. The program that fits your deal sets the price.
Our standard short-term loan starts at 10.99%, with a 1.50% lender fee. The option with fewer documents lends up to 50% of the property value and has a 15.00% rate with a 5.00% lender fee. Both have a 0.50% fee when the loan ends.
$100K-$100M. With a credit score of 660 or higher, we use your credit score and the number of completed projects to set the maximum percentage of the property value we can lend. The range is 70% to 95%.
Below 660, the property type matters more. The option with fewer documents lends up to 50% of the property value.
The standard fees include a $595 application fee, $999 property-valuation fee, $999 technology fee, a lender fee at closing, a 0.25% yearly servicing fee, and a 0.50% fee when you refinance, sell, or reach the loan's end date.
The published pricing policy lists every fee.
Funded in as little as 48 hours once the property title is clear. That is the fastest timeline, not the usual one. Typical bridge close is 9–15 days.
You see terms in 5 minutes, and we make the loan decision in 4 hours.
The short-term loan can last up to 24 months. A qualifying property can then move into a period of up to 36 months while its income becomes steady, without a new application.
Before funding, CR Equity AI checks how you plan to repay the loan — by selling, refinancing, or moving into that next period. We do not fund a deal without a clear repayment plan.
You do not wait three weeks or pay a few thousand dollars for an appraisal just to see terms. AIVAA™ — AI Valuation & Analytics Assessment property valued in minutes, not weeks. Full audit-ready valuation report in 4-6 hours.
Some closings still need a certified appraisal. Terms do not wait on that report. How AIVAA™ estimates property value.
We lend on investment properties, including apartment buildings, mixed-use buildings, stores, warehouses, storage facilities, hotels, land, and single-family homes you will not live in.
We do not lend on primary homes, RV parks, trailer parks, or personal-use purchases.
They often describe the same type of loan: short-term financing secured by an investment property.
At CR Equity AI, the right program may be Commercial Bridge, F.L.E.X. 50™, or Fix & Flip.
Homes you plan to live in, RV parks, trailer parks, loans under $100,000, personal-use loans, or deals without a clear repayment plan.
ITIN and foreign national investors are a borrower type, not a hard-money loan type. Their published program is DSCR for investment property and full documentation for second homes.
See the ITIN and foreign national program. That is a different product from the short-term options on this page.
Next step
See terms on the deal
Real terms in 5 minutes. Soft credit pull only — no hit to your score to get terms. Funded in as little as 48 hours once title is clear.
Get funded