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Our capital, our decision
No committee that meets on Thursdays, no broker taking points.
Small balance commercial · Direct lender
Small Balance Commercial Loans $100K to $100M, closed on your timeline
Debt for multifamily, mixed-use, office, industrial, retail and hospitality. We underwrite what the property earns and lend our own capital, so the deal closes on your schedule rather than a bank credit committee's calendar.
- $100K–$100M
- Loan range
- Up to 80%
- Max LTV
- From 11%
- Rates
Advance rates
Max LTV by asset class
Published from our underwriting engine — the same caps we use to size your loan.
Asset class
Max LTV
- Multifamily
- 80%
- Single Family Residence
- 90%
- Retail
- 70%
- Industrial
- 65%
- Storage
- 65%
- Mixed-use
- 65%
- Office
- 60%
- Hospitality
- 60%
- Land
- 55%
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 don't just 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 11%. 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
- 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 stabilization thesis
- ITIN and foreign national investors*
Not eligible
- 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 investor LTV is based on experience and may be reduced based on final underwriting.
Business-purpose only — we do not fund owner-occupied primary residences.
Where this fits
Common reasons sponsors bring small balance 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.
What clients say
How investors use CR Equity AI capital.
Sean Morris
Denise BranhamFrequently 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. The table on this page is published from our underwriting engine.
Quoted rates start from 11%. 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.
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