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Our capital, our decision
No Thursday committee. No broker taking points. Our capital, our decision.
Small balance commercial · Direct lender
Small Balance Commercial Loans $100K to $100M, on your timeline
Income-producing commercial and investment property. 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.
$100K-$100M. Decision in 4 hours. Business-purpose only.
- Loan range
- $100K-$100M
- Max LTV
- Up to 80%
- Rates from
- 10.99%
- Decision
- 4 hours
What this is
What is a small balance commercial loan?
Financing for income-producing commercial and investment property—typically multifamily, mixed-use, office, industrial, retail, hospitality, and storage—from $100K-$100M. We underwrite what the property earns and lend our own capital.
It is not a loan for a home you live in, and it is not for RV parks or trailer parks.
Direct lender. We lend our own capital. Real terms in 5 minutes. Decision in 4 hours on a complete file. Max LTV by asset class is published from the underwriting engine below.
If you’re an ITIN or foreign-national investor looking to finance income-producing property, see ITIN & foreign national loans.
Advance rates
Max LTV by asset class
Caps from our underwriting engine. Your actual advance depends on the asset, leverage, and file. Soft credit pull only — no hit to your score to get terms.
- Multifamily80%
- Single Family Residence90%
- Retail70%
- Industrial65%
- Storage65%
- Mixed-use65%
- Office60%
- Hospitality60%
- Land55%
Why sponsors use us
Direct lending for income-producing commercial property — terms on the page before you apply.
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Underwritten on the asset
NOI, DSCR, and cap rate calculated independently by AIVAA™ — we do not take your pro forma at face value.
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Terms published
The advance-rate grid and the asset-class table are on this page, before you apply.
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No appraisal wait
Valuation in minutes. Decision in 4 hours.
Small balance commercial from a direct lender
Multifamily, mixed-use, office, industrial, retail, and hospitality. $100K to $100M. Up to 80% LTV. Rates from 10.99%. Decision in 4 hours.
- Loan range
- $100K–$100M
- Max LTV
- Up to 80%
- Rates
- From 11%
- Collateral
- Income-producing CRE except RV / trailer parks
- Minimum Loan
- $100,000
- Purpose
- Business-purpose only
Does your deal qualify?
Business-purpose income property only. RV and trailer parks are excluded.
Eligible
A fit for this program
- Sponsors financing income-producing commercial or investment property
- Entity and LLC borrowers on business-purpose transactions
- Multifamily, mixed-use, office, industrial, retail, hospitality, storage, and Single Family Residence
- Deals with defensible NOI, DSCR, or a stabilization thesis
Not eligible
Outside this program
- RV parks and trailer parks
- Consumer-purpose or owner-occupied primary residence loans
- Loans under $100,000
- Deals without credible income, rent roll, or exit thesis
ITIN and foreign-national investors are a borrower type, not this loan type. See ITIN & foreign national loans.
Business-purpose only — we do not fund owner-occupied primary residences.
Where this fits
Typical reasons sponsors bring income-producing commercial deals to CR Equity AI.
Multifamily acquisition or refinance
Buy or recapitalize a cash-flowing multifamily asset on the property’s income, not your W-2.
Mixed-use and retail
Street-level retail, loft conversions, and neighborhood mixed-use where banks stall on complexity.
Value-add commercial
Lease-up, repositioning, or light rehab on office, industrial, or hospitality — sized to the asset.
Cash-out against stabilized CRE
Pull equity from a performing property to fund the next acquisition.
Frequently asked questions
Range, LTV, rates, and what we will not fund.
Financing for income-producing commercial and investment property — typically multifamily, mixed-use, office, industrial, retail, and hospitality — from $100K to $100M. We underwrite what the property earns and lend our own capital.
Up to 80% on multifamily, with lower caps by asset class. Single-family investment property can go to 90%. The caps on this page are published from our underwriting engine.
Quoted rates start from 10.99%. Exact pricing depends on the asset, leverage, and sponsor profile.
No. RV parks and trailer parks are excluded. All loans are business-purpose only — not owner-occupied primary residences.
Valuation in minutes and a decision in about 4 hours on a complete file. Soft credit pull to see terms.
Quoted rates start from 10.99%. Exact pricing depends on asset type, leverage, and sponsor profile — multifamily can reach up to 80% LTV, the highest cap on the grid.
Yes. Mixed-use, street-level retail, office, industrial, and hospitality qualify on the small balance commercial program — underwritten on NOI, DSCR, and cap rate, not a sponsor pro forma alone.
Yes. Cash-out against a performing income property is a common use — loan sizes from $100K to $100M depending on the asset and underwriting.
AIVAA values the property in minutes, and a decision typically lands in about 4 hours on a complete file — without waiting weeks to order a traditional appraisal just to start underwriting.
Bring us the deal your bank is still thinking about.
Two minutes, soft credit pull, terms in 5 minutes.
- $100K–$100M
- Loan range
- Up to 80%
- Max LTV
- From 11%
- Rates