First-time investor
- Credit 660–69970% LTV
- Credit 700–71975% LTV
- Credit 720+80% LTV
Private bridge loan lender · Direct lender · 48 states · 477 loans closed since 2021
Commercial Bridge Loans from a private bridge loan lender
Business-purpose bridge financing for commercial and investment real estate. Acquisition, refinance, and value-add projects. Get real terms in 5 minutes with a soft credit pull. Underwriting in 4 hours. Funding in as little as 48 hours once title is clear.
- 5 min
- Terms
- 4 hrs
- Decision
- 48 hrs
- Fastest fund
- 9-15 days
- Typical close
What you can actually borrow on a bridge loan
Every CR Equity AI bridge uses this grid. Advance is experience × credit. Soft pull to confirm your cell.
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
Credit below 660? Your property still matters.
The experience grid starts at 660.
Below that score we look more closely at the property type and the strength of the deal. The asset carries more of the risk.
- Multifamily80%
- Retail70%
- Single-family90%
- Industrial65%
- Storage65%
- Mixed-use65%
- Office60%
- Hospitality60%
- Land55%
Are you an ITIN or foreign-national investor?
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
Which bridge program fits your deal?
One lender. One underwriting process. Whether you're buying or refinancing, bridge financing can keep the deal moving when the closing can't wait. Choose the structure that fits your project — not just the fastest option.
PurchaseBuy a CRE/Residential Investment Property
You found a deal and the seller won't wait. Close in 9-15 days, not months — no income verification, soft credit pull, direct lender.
9-15 days typical close
Fix & FlipPurchase and Rehab in One Loan
One loan covers the purchase and the rehab budget. Close fast, keep your capital free, and move to the next deal.
Funded in 24-48 hrs
Bridge RefinanceBridge Refinance
Pay off a maturing loan or pull capital before the asset is stabilized. Short-term capital on the same grid as acquisition — not a DSCR hold.
Exit underwritten on day one
F.L.E.X. 50™Close in Days When Speed Decides the Deal
Asset-based purchase and rehab — qualified on the property, not your paperwork. Light docs so you close when the deal won’t wait.
Up to 50% LTV · Funded in 24-48 hrs
ConstructionBuild from the ground up
For empty land, a tear-down, or a build you plan to sell. We pay for the land and the build in steps as you finish each part.
Milestone draws · own capital · hold loan day one
What does a bridge loan cost?
Clear pricing, upfront. These are the minimum rates and fees for our Bridge program. Your final pricing may vary based on the deal and will be shown in your term sheet and loan documents.
- Interest rate
- 10.99% floor. Your final rate is set on the executed term sheet.
- Origination fee
- 1.50% of the funded loan amount, paid at closing.
- Exit fee
- 0.50% of the funded loan amount, due on refinance, sale, or maturity.
- Expedited origination
- 2.00%, optional, when the close has to be accelerated.
- Application fee
- $595 per application, per loan, per asset.
- AIVAA™ valuation
- $999 per deal. Replaces the traditional appraisal where program rules and applicable regulation allow.
- Technology fee
- $999 flat, per loan, per asset.
- Servicing fee
- 0.25% annualized on outstanding principal.
- Appraisal, if required
- $999 non-commercial or $5,994 commercial — charged only where a traditional appraisal is required by program or by your election.
The full schedule for every program is on the published pricing policy. Published pricing policy
Price a sample size against the schedule above. Your executed term sheet is the binding number.
$1,000,000
$100,000 to $10,000,000 on this calculator. The book goes to $100M.
Due at close
- Origination $15,000
- AIVAA $999
- Technology $999
- Application $595
- At close
- $17,593
- At exit (0.50%)
- $5,000
- Servicing / year (0.25%)
- $2,500
- Rate floor
- 10.99%
Bridge Financing Alongside Your Bank Loan
Get the short-term capital you need while your bank financing is still in process.
| Your bank | CR Equity AI bridge | |
|---|---|---|
| Who decides | A credit committee, on its own calendar | We do. We lend our own capital, so the file is never shopped. |
| Qualifies on | Your personal income and global DTI | The asset, the exit, and your track record |
| Time to real terms | Weeks, and only after a full package | 5 minutes, on a soft credit pull |
| Underwriting decision | 30 to 60 days | 4 hours |
| Fastest funding | Not what the product is for | As little as 48 hours once title is clear |
| Valuation | Third-party appraisal, around three weeks | AIVAA™ in minutes, $999 per deal |
| Credit pull for terms | Hard pull | Soft pull — no hit to your score |
| Rate | Lower, when you fit the box and can wait | 10.99% floor — you are paying for speed and certainty |
| Term | 5 to 10 years, amortizing | Up to 24 months of bridge, then up to 36 months of stabilization |
| Best when | The deal has no clock and you fit conventional credit | There is a date, a story, or an asset a committee will not underwrite in time |
Why Sponsors Choose a Private Bridge Lender
Banks can move too slowly. Brokers may shop your deal around. We evaluate the property, make the decision, and fund the loan directly.
01
Direct lender. Our capital.
CR Equity AI is a private bridge loan lender using its own balance sheet. Your file is not shopped to a panel of third parties. The decision is ours, which is the only reason it can land in hours.
02
Speed you can write into the PSA
Real terms in 5 minutes. Underwriting decision in 4 hours. Funded in as little as 48 hours once title is clear. Typical bridge close is 9–15 days.
03
No appraisal wait
AIVAA™ values the property in minutes and returns a full audit-ready report in 4 to 6 hours, for $999 — in place of a traditional appraisal where program rules and applicable regulation allow.
04
Soft credit pull to get terms
You see a real number before anything touches your score. A hard pull happens only if you accept terms and move to close.
Commercial Bridge Loans, One Simple Platform
All bridge loans start with the same capital, underwriting process, and simple soft-credit-pull application. What changes is the loan structure, leverage, documentation, and speed based on your deal.
- Loan size
- $100,000 to $100,000,000
- Rate floor
- 10.99% — final rate per executed term sheet
- Origination
- 1.50% of the funded loan at closing, plus a 0.50% exit fee on refinance, sale, or maturity
- Fastest funding
- As little as 48 hours once title is clear
- To real terms
- 5 minutes
- Max LTV
- Up to 95%, set by projects completed and credit score. Single-family non-owner-occupied Bridge caps at 90%. Below a 660 score the advance comes off the asset class instead.
- Underwriting decision
- 4 hours
- Credit pull
- Soft pull to get terms — no hit to your score
- Coverage
- Business-purpose lending in 48 states
- Term
- Up to 24 months of bridge, then up to 36 months of stabilization — no new application between the two.
- Collateral
- All commercial asset types except RV and trailer parks
Who Qualifies?
See which borrowers and investment profiles fit our bridge loan program — and which ones don’t.
Eligible
A fit for this program
- Investors and sponsors who need short-term capital against real estate they are buying, refinancing, or repositioning
- Entity and LLC borrowers on business-purpose transactions — the normal case, not an exception
- Multifamily, mixed-use, retail, industrial, storage, hospitality, and single-family non-owner-occupied
- Time-sensitive closes: auctions, 1031 clocks, partner buyouts, payoff deadlines, a lender that pulled out at committee
- Value-add and construction-ready deals that will refinance or sell after the work
- Borrowers under a 660 score, priced off the asset class instead of the grid
Not eligible
Outside this program
- RV parks and trailer parks
- Consumer-purpose or owner-occupied primary residence loans
- Loans under $100,000
- Deals without a credible exit or stabilization thesis
ITIN and foreign-national investors are a borrower type, not this loan type. See ITIN & foreign national loans.
Not sure which bridge loan fits your deal?
Talk to a bridge loan specialist and we’ll help you find the right structure.What Can a Commercial Bridge Loan Fund?
One lender. Multiple loan structures. Choose the financing option that best fits your property, project, and timeline.
The close will not wait on a bank
Commercial bridge loans exist for the dates banks miss — a PSA deadline, an auction, a 1031 clock, a payoff.
Refinance or cash out before you stabilize
Take out a maturing loan or pull capital while the asset is still on its way to stabilized. That is a bridge, not a DSCR hold.
Value-add that needs time after the work
Finish the work, then hold or refinance. Bridge and stabilization sit on the same file. No new application between the two.
Emergency liquidity at 50% LTV
When the file has to be light and the money has to move — F.L.E.X. 50™.
Buy, rehab, and exit
Purchase plus rehab in one facility, priced against the after-repair value.
Ground-up or heavy construction
When the capital has to follow draws rather than land in a single wire.
Commercial bridge loan questions
Straight answers from a private bridge loan lender.
A short-term, business-purpose loan secured by real estate. You use one when a bank will not hit the date — a purchase, a refinance, a payoff, value-add work, or a sale that has not closed yet. CR Equity AI is a private bridge loan lender: we underwrite with our own AI and lend our own capital.
The Bridge rate floor is 10.99%, with a 1.50% origination fee at closing and a 0.50% exit fee on refinance, sale, or maturity. Add a $595 application fee, $999 for the AIVAA™ valuation, a $999 technology fee, and 0.25% annualized servicing. Your final rate is set on the executed term sheet.
Direct lender. CR Equity AI lends its own capital and underwrites in house. Your deal is not brokered out or shopped to a panel of third-party lenders — the decision is ours.
Funded in as little as 48 hours once title is clear. Real terms in 5 minutes, an underwriting decision in 4 hours, and most deals close in 9–15 days when the file is ordinary.
Soft credit pull only to get terms — no hit to your score. A hard pull happens only if you accept terms and move to closing.
Up to 95%, set by projects completed and credit score together. Single-family non-owner-occupied Bridge caps at 90%. Below a 660 score CR Equity AI prices off the asset class instead, from 55% on land to 90% on single-family. The full grid is published above.
$100,000 to $100,000,000, business-purpose, in 48 states. There is no deal too small inside that range, but $100,000 is a hard floor.
Usually not. AIVAA™ values the property in minutes and returns a full audit-ready report in 4 to 6 hours, for $999 per deal, in place of a traditional appraisal where program rules and applicable regulation allow. Where an appraisal is required, it is $999 non-commercial or $5,994 commercial.
Up to 24 months of bridge, then up to 36 months of stabilization with no new application between the two. The exit is underwritten on day one — a sale, a refinance, or the stabilization phase — rather than negotiated at month 23.
Yes. 0.50% of the funded loan amount, due on refinance, sale, or maturity. It is part of how the origination is structured: 1.50% at closing plus 0.50% at exit, both published in advance.
Business-purpose real estate: commercial assets and non-owner-occupied residential. CR Equity AI does not lend on an owner-occupied primary residence, and no bridge loan here is a consumer mortgage.
Yes. Entity and LLC borrowers are the normal case rather than an exception. All CR Equity AI loans are business-purpose.
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
This is the parent bridge program. F.L.E.X. 50™ is the emergency, light-documentation route capped at 50% LTV — you trade advance rate for a much lighter file. Rehab budgets sit on Fix & Flip. Draws sit on Construction.
Need a commercial bridge loan on a real close date?
Direct lender, our own capital. Soft credit pull, real terms in 5 minutes, and a published rate you can check before you call.
- 48 hrs
- Fastest fund, title clear
- 5 min
- To real terms
- 10.99%
- Rate floor, published