Bridge loans, DSCR rental loans, 2nd mortgages, SBA financing, and business credit lines. AI-powered underwriting. $150M+ deployed.
Our Story
Calculus was founded by active real estate investors who were constantly frustrated by banks that didn’t understand the deal. We built the lending platform we always wished existed — one that qualifies on cash flow, moves at the speed of an acquisition, and is run by people who have sat on the same side of the closing table as you.
Eight lending solutions built for speed, flexibility, and certainty of execution. From DSCR rental loans and investor 2nd mortgages to Fannie Mae & Freddie Mac agency financing.
Short-term bridge financing for multifamily, hospitality, and mixed-use acquisitions plus value-add rehabilitation, renovation, and construction completion. Underwrite to as-is value, stabilized ARV, or as-complete value.
Investment property financing based on rental income, not personal income. Built for 1-4 unit investors — single-family, duplex, triplex, and fourplex. No tax returns. No W-2s. No pay stubs. Qualify on the rent roll.
Unlock the equity in your 1-4 unit investment property without touching your existing first mortgage. Perfect for investors who locked in a low rate and want to pull cash out for acquisitions, renovations, or portfolio growth.
Government-backed small business loans for working capital, equipment, and real estate acquisition. Competitive rates with long-term repayment and as little as 10% down.
Long-term, fixed-rate financing for major fixed assets. Below-market rates with only 10% borrower injection. Focused on job creation and community economic development.
Flexible revolving credit for businesses that need working capital on demand. Draw funds as needed and pay interest only on what you use. Fast AI-powered approval.
Non-recourse, long-term permanent financing for stabilized multifamily properties. Agency-backed with the lowest rates in the market. Ideal for large apartment portfolios and institutional-grade assets.
Federally guaranteed business loans for rural communities. Up to 80% USDA guarantee with 30-year terms. Manufacturing, renewable energy, healthcare, and commercial real estate.
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.
From application to funding in four streamlined steps. No bank bureaucracy.
Complete our streamlined online application or call our lending team directly. Tell us about your deal, timeline, and capital needs.
UnderwriteAI analyzes 700+ variables in under 4 seconds — DSCR, cap rate, NOI, borrower profile, and market conditions — to produce an instant risk assessment.
Receive custom loan terms with transparent pricing. No hidden fees. Clear structure, clear expectations, and a dedicated loan officer throughout.
Capital deployed in days, not months. Bridge loans close in 2-4 weeks. Business lines approved in days. We move at the speed of your deal.
See how our speed, flexibility, and technology stack up against conventional lenders.
| Feature | Calculus | Traditional Bank |
|---|---|---|
| Close Time (RE Bridge) | 2-4 weeks | 60-90 days |
| LTV (RE Bridge) | Up to 85% | 65-75% |
| Income Verification (DSCR) | None required | Full documentation |
| Underwriting Speed | <4 seconds (AI) | 2-6 weeks manual |
| SBA Processing | AI-accelerated | Standard timeline |
| Minimum Loan | $50K+ | $250K+ |
| Flexibility | Custom terms | Rigid parameters |
Calculus Lending is the direct lending arm of Calculus, a multi-discipline private capital platform headquartered in Providence, Rhode Island. Founded in 2022, Calculus Lending offers seven loan products: Fannie Mae and Freddie Mac agency loans for stabilized multifamily properties ($750K–$100M+ at rates from 5.5%–7.5%), DSCR rental loans ($150K–$3M at 6.0%–8.5% with no income verification), USDA B&I guaranteed loans (up to $25M with 80% federal guarantee), real estate bridge loans ($1M–$15M at 9.0%–12.5%), SBA 7(a) loans (up to $5M at Prime + 2.25%), SBA 504 loans (up to $5.5M at below-market fixed rates), and business lines of credit ($50K–$500K at 8.0%–15.0%). The firm uses proprietary AI-powered underwriting through its UnderwriteAI engine, which analyzes over 700 variables in under 4 seconds. Calculus has deployed over $150 million in capital across 120+ transactions, serving real estate developers, small businesses, and portfolio investors nationally.
Calculus Lending offers seven loan products: Fannie Mae and Freddie Mac agency loans for stabilized multifamily properties ($750K to $100M+ with rates from 5.5% to 7.5%), DSCR rental loans ($150K to $3M with rates from 6.0% to 8.5% and no income verification), USDA B&I guaranteed loans (up to $25M with 80% federal guarantee), real estate bridge loans ($1M to $15M with rates from 9.0% to 12.5%), SBA 7(a) loans (up to $5M at Prime + 2.25%), SBA 504 loans (up to $5.5M at below-market fixed rates), and business lines of credit ($50K to $500K revolving). All products benefit from AI-powered underwriting through the UnderwriteAI engine.
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property loan that qualifies borrowers based on the rental income of the property rather than the borrower's personal income. At Calculus, DSCR loans range from $150,000 to $3 million per property with 30-year fixed or adjustable-rate terms. The minimum DSCR is as low as 0.75, meaning the property's rental income can be slightly below the mortgage payment and still qualify. No tax returns, W-2s, or income verification is required. These loans are ideal for portfolio investors, LLCs, and real estate professionals who own multiple investment properties.
Yes, Calculus offers both SBA 7(a) and SBA 504 loan programs. SBA 7(a) loans are available up to $5 million for working capital, equipment purchases, and real estate acquisition with 10- to 25-year terms at competitive rates (Prime plus 2.25 to 2.75 percent). SBA 504 loans are available up to $5.5 million for major fixed assets like commercial real estate and heavy equipment with 10- to 25-year fixed terms and below-market rates. Both programs require as little as 10 percent down and are ideal for established businesses with 2 or more years of operating history.
Closing timelines at Calculus vary by loan product. Real estate bridge loans close in 2 to 4 weeks. DSCR rental loans typically close in 2 to 4 weeks. Business lines of credit can be approved within days using AI-powered underwriting. SBA loans follow standard SBA processing timelines but benefit from accelerated underwriting through the UnderwriteAI engine. All products are significantly faster than traditional bank financing, which typically takes 60 to 90 days.
Yes, Calculus originates Fannie Mae and Freddie Mac agency loans for stabilized multifamily properties. Loan amounts range from $750,000 to over $100 million with non-recourse terms, up to 80% LTV, and 5 to 30-year fixed or floating rate options. Current indicative rates range from 5.5% to 7.5%. Agency loans feature 30-year amortization with interest-only periods available and are ideal for large apartment portfolios, workforce housing, and institutional-grade multifamily assets.
Calculus offers competitive rates across all seven loan products. Fannie Mae and Freddie Mac agency loans start from 5.5% to 7.5%. DSCR rental loans range from 6.0% to 8.5%. USDA B&I guaranteed loans range from 6.0% to 9.0%. Real estate bridge loans range from 9.0% to 12.5%. SBA 7(a) loans are priced at Prime plus 2.25% to 2.75%. SBA 504 loans carry below-market fixed rates. Business lines of credit range from 8.0% to 15.0%. All rates are indicative and subject to change based on market conditions, property type, and borrower qualifications.
UnderwriteAI is Calculus AI Labs' proprietary automated underwriting engine. It analyzes over 700 variables — including DSCR, cap rate, NOI, as-is value, borrower track record, market comparables, and macroeconomic indicators — in under 4 seconds to produce explainable risk scores, deal feasibility assessments, and automated term sheet recommendations. UnderwriteAI uses explainable AI (XAI) with full audit trails and model governance, ensuring transparent and compliant lending decisions across all Calculus loan products.
Whether you need a bridge loan for your next acquisition, DSCR financing for your rental portfolio, SBA capital for business growth, or a business line of credit — we close faster than any bank.