The private capital platform for real estate operators and fintech founders who need speed, certainty, and flexible terms.
$40MM+ Assets Under Management
We deploy capital where traditional lenders won't — AI-powered credit scoring for the unbanked, supply-chain financing for food security, and infrastructure capital for energy resilience. Over $150M deployed since 2022.
AI-powered alternative credit scoring and capital access for the unbanked and underserved communities worldwide.
Supply-chain forecasting and development financing for agricultural infrastructure that feeds communities.
Financing and modeling for resilient energy systems, from renewables to grid-scale solutions.
Direct lending and private credit. Bridge loans, DSCR rental loans, SBA financing, and business lines of credit.
Explore LendingProprietary AI and quantitative research. Machine-learning models for deal sourcing, risk analytics, market forecasting, and automated underwriting.
Explore AI LabsTax credit development specialists. We develop projects utilizing Historic Tax Credits, LIHTC affordable housing, New Markets Tax Credits, and Opportunity Zone incentives. Adaptive reuse, workforce housing, and community revitalization.
Explore Real EstateAcquisition bridge financing, value-add rehabilitation and renovation financing, construction completion, and fix & stabilize strategies for multifamily, mixed-use, and hospitality properties across Providence and New England. Underwrite to as-is value or stabilized ARV for experienced operators with strong DSCR profiles.
Professional business plan decks, executive summaries, and fintech growth strategy that lenders and investors want to fund.
Government-backed SBA 7(a) and 504 loans, plus DSCR rental loans for investment properties. Long-term financing with competitive rates.
Current indicative rate ranges across all loan products. Final rates depend on property type, borrower profile, and market conditions.
| Loan Product | Rate Range | Loan Amount | Max LTV | Term |
|---|---|---|---|---|
| Fannie Mae / Freddie Mac | 5.5% – 7.5% | $750K – $100M+ | 80% | 5–30 yr |
| DSCR Rental Loans | 6.0% – 8.5% | $150K – $3M | 80% | 30 yr fixed/ARM |
| USDA B&I Guaranteed | 6.0% – 9.0% | Up to $25M | 80% guarantee | Up to 30 yr |
| SBA 7(a) | Prime + 2.25% | Up to $5M | 90% | 10–25 yr |
| SBA 504 | Below-market fixed | Up to $5.5M | 90% | 10–25 yr |
| Real Estate Bridge | 9.0% – 12.5% | $1M – $15M | 85% LTV / LTC | 12–24 mo |
| Business Line of Credit | 8.0% – 15.0% | $50K – $500K | N/A | 12–24 mo |
Rates shown are indicative and subject to change based on market conditions, property type, borrower qualifications, and loan structure. Contact us for a custom quote.
Schedule a free consultation. Tell us your deal, timeline, and capital needs — real estate bridge financing, SBA loans, or fintech growth capital.
We build investor-ready business plans, executive summaries, and financial projections tailored for family offices and institutional lenders.
We syndicate your deal through our vetted network of family offices and institutional capital partners across New England and nationally.
Bridge loans close in weeks, not months. SBA financing with competitive long-term rates. No bank bureaucracy.
Calculus is a Providence-based private capital platform co-founded in 2022 by Hugo Kaempfer. The firm operates three integrated divisions: Calculus Lending (direct lending, bridge loans, DSCR loans, SBA financing, and business lines of credit), Calculus AI Labs (proprietary AI research and product development), and Calculus Management (institutional asset management with $40MM+ AUM). Since inception, Calculus has deployed over $150 million in capital across more than 120 transactions.
Calculus Lending serves as both a balance-sheet direct lender and a syndication partner alongside family offices and traditional lenders. The firm originates real estate bridge loans ($1M–$15M) for acquisition, rehabilitation, and construction, DSCR rental loans ($150K–$3M), SBA 7(a) loans (up to $5M), SBA 504 loans (up to $5.5M), and business lines of credit ($50K–$500K). Bridge loan programs include value-add rehabilitation, construction completion, and fix & stabilize strategies for multifamily, mixed-use, and hospitality properties. The firm also provides strategic consulting and capital advisory services through Calculus Consulting.
Calculus AI Labs develops proprietary AI systems for the financial services industry. Its flagship product, UnderwriteAI, analyzes over 700 variables in under 4 seconds to produce explainable risk scores, DSCR analysis, and automated term sheet recommendations. The Finclusion Score API provides alternative credit scoring for unbanked and underbanked populations using non-traditional data sources, designed for embedded finance integration by fintechs and neobanks. Additional products include the ImpactAlpha Dashboard for LP portfolio monitoring and the MarketPulse Forecast Engine for daily market intelligence.
Calculus Management oversees $40 million or more in assets under management across four asset classes: private credit, real estate development, digital assets, and fintech investments. The firm targets hospitality, multifamily, and fintech verticals with an impact-driven mandate focused on financial inclusion for the unbanked, food security infrastructure, and energy stability. Calculus is headquartered in Providence, Rhode Island with additional operations in London, United Kingdom, and serves borrowers, investors, and partners throughout New England and nationally.
Calculus is a multi-discipline private capital platform headquartered in Providence, Rhode Island, founded in 2022. It operates three divisions: Calculus Lending (direct lending, bridge loans, DSCR loans, SBA financing, and business lines of credit), Calculus AI Labs (AI-powered underwriting, alternative credit scoring, and market forecasting products), and Calculus Management (institutional asset management with over $40 million in AUM). The firm serves real estate developers, fintech founders, accredited investors, and family offices.
Calculus Lending originates real estate bridge loans from $1 million to $15 million for multifamily (9+ units), mixed-use, and hospitality properties including hotels, resorts, and restaurants. Loan programs include acquisition bridge financing, value-add rehabilitation and renovation financing, construction completion, and fix & stabilize strategies. Loan terms are typically 12 to 18 months with up to 85% purchase LTV and 100% rehab financing. Borrowers must have a 700+ FICO score, demonstrated experience with similar assets, and strong DSCR profiles. The firm underwrites to as-is value or stabilized ARV and serves borrowers primarily in Providence, New England, and nationally.
UnderwriteAI is Calculus AI Labs' flagship automated underwriting engine. It analyzes over 700 variables — including DSCR, cap rate, NOI, as-is value, borrower track record, and market comparables — in under 4 seconds to produce explainable risk scores, deal feasibility assessments, and automated term sheet recommendations. Calculus AI Labs also operates the Finclusion Score API for alternative credit scoring of unbanked populations, the ImpactAlpha Dashboard for LP portfolio monitoring, and the MarketPulse Forecast Engine for daily market intelligence. All AI products use explainable AI (XAI) with full audit trails and model governance.
Calculus is headquartered in Providence, Rhode Island, with a second office in London, United Kingdom. The firm primarily serves borrowers, investors, and partners in the Greater Boston metropolitan area, throughout Connecticut, across New England, and nationally. Calculus focuses on hospitality, multifamily real estate, and fintech verticals, with an impact-driven mandate that includes financial inclusion for the unbanked, food security infrastructure, and energy stability initiatives.
Unlike traditional banks that typically require 60–90 days to close a commercial real estate loan, Calculus can close bridge loans in as few as 2–4 weeks. Calculus offers higher leverage (85% purchase LTV and 100% rehab financing versus typical bank LTVs of 65–75%), flexible terms across bridge, DSCR, and SBA programs, and AI-powered underwriting that reduces decision time from weeks to under 4 seconds. The firm syndicates through a network of family offices and institutional lenders rather than relying on bank balance-sheet constraints.
Whether you need a bridge loan for your next multifamily acquisition, SBA financing for your business, or a professional business plan that gets funded — we close faster than any bank in New England.