Pricing & Fee Policy

CR Equity AI operates exclusively as a Fee‑for‑Service (FFS) commercial underwriting and capital‑intelligence platform. The platform does not charge subscription or SaaS fees, and no client is billed until they formally accept terms and elect to proceed with a transaction.

CR Equity AI cannot waive, defer, finance, or roll underwriting costs to closing. These costs represent required third‑party and internal expenses necessary to initiate a compliant, audit‑ready underwriting file.

1. Required Fees Upon Acceptance of Terms

Once a client accepts a termsheet, the following fees become due:

• Application Fee
• Appraisal Fee
• Transactional Expedited Handling Fee(s)
• Platform / Transactional Processing Fee
• Equity Placement Fee (applicable to equity placement transactions only)

Standard Fee Schedule

These fees are required to initiate underwriting and are not contingent on funding.

2. Platform / Transactional Fees (as listed on www.crequity.ai)

In addition to underwriting costs, CR Equity AI applies platform‑level transactional fees that support the secure, encrypted, and AI‑driven infrastructure used to process, validate, and deliver compliant terms.

These fees include:

• Platform Processing Fee
• AI Underwriting Engine Access Fee
• Immutable Ledger & Audit Trail Fee
• Secure Document Generation & Storage Fee

These platform fees are not optional, as they are required to maintain the integrity, security, and compliance of the CR Equity AI ecosystem.

3. What the Underwriting Fees Include (The Fine Print)

The underwriting fees cover the full internal and third‑party process required to issue compliant, defensible terms:

• MAI‑based appraisal
• Dedicated AI underwriting agent
• Drafting, legal review, and handling of all transactional documents
• Platform‑level processing and encrypted data handling
• Administrative and operational support

These are not "upfront fees" in the predatory sense. They are standard commercial underwriting costs borne in every CRE transaction.

4. Industry‑Standard Underwriting Cost Context

Commercial real estate underwriting typically includes:

• Appraisal fees:
• Processing/underwriting fees:
• Legal/transactional review:
• Administrative and platform fees:

These ranges demonstrate that CR Equity AI's bundled fee structure is consistent with national commercial lending norms and often significantly more efficient.

5. Why CR Equity AI Does Not Accept Outside Reports

CR Equity AI operates an enclosed, lender‑grade, blockchain‑anchored underwriting system. For compliance, accuracy, and auditability:

• The platform does not accept third‑party reports, title abstracts, or externally procured underwriting documents.
• All valuation, diligence, and risk scoring must be generated through internal data sets, AES‑256 encrypted workflows, and proprietary AI engines.
• This ensures speed, data integrity, chain‑of‑custody, and regulatory defensibility.

This closed‑loop architecture is a core reason CR Equity AI can deliver real‑time underwriting and same‑day terms.

6. Success‑Based (Contingency) Fees

In addition to underwriting and platform fees, CR Equity AI applies platform success fees tied to the transaction amount. Amounts are fixed by tier (see Platform Success Fee Schedule below), not as a percentage of the loan.

All fees—both underwriting and success‑based—are fully disclosed on every termsheet and loan document before execution.

7. Equity Placement Agreement (EPA) Fee

The Equity Placement Agreement (EPA) Fee is a transaction‑specific fee charged by CR Equity.Ai Inc. to clients seeking equity investment through the platform. This fee covers the administrative, underwriting, and incidental costs associated with structuring and executing equity‑based financing solutions, including:

• PACE Financing
• Mezzanine Capital
• Preferred Equity Terms

Leveraging CR Equity.Ai's proprietary technology, the EPA Fee enables clients to access institutional‑grade equity placements with speed, transparency, and compliance. It supports the end‑to‑end process—from deal intake and underwriting to investor matching and documentation—ensuring a seamless equity execution experience.

This Fee is due at acceptance of Equity Term Sheet and is non refundable.

Equity Placement Fee Schedule

Fee Type: Equity Placement Fee. This fee is separate from and in addition to any underwriting or platform success fees.

8. Transparency Commitment

Every client receives:

• A clear, itemized fee schedule
• A termsheet outlining all costs
• A digital audit trail of all underwriting actions
• A compliant, lender‑grade file ready for funding review

CR Equity AI's pricing is designed to be transparent, defensible, and aligned with industry‑standard commercial underwriting practices.

Platform Success Fee Schedule

Fees are paid by Borrower, Lender, and Investor as applicable.

Example Scenarios

Total fees owed include the platform success fee plus other underwriting and transactional costs applicable to the file.