Partners
Lenders
Crebrid

Crebrid

Plano, Texas
Explore Rates

Crebrid

4800 Dexter Drive, Plano, Texas 75093
(972) 525-4777
info@crebrid.com
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$500M+
Capital Deployed
Crebrid is a Plano, Texas-based direct private lender and tech-driven hard money platform serving real estate investors across 26 states. Formerly operating as Wildcat Lending, one of Texas's most respected short-term lenders, Crebrid rebranded following a partnership with Barings, a $400B+ global investment manager backed by MassMutual. Crebrid operates with $500M in lending power and offers fix-and-flip loans, bridge loans, new construction financing, and DSCR rental loans. Rates start at 7.73% on fix-and-flip loans with up to 90% LTC and 24-48 hour closings. Non-Dutch interest applies on ground-up construction and rehabs over $100K, meaning borrowers pay interest only on funds actually drawn. The Crebrid platform delivers instant rate quotes in 60 seconds without a loan officer. Draws are processed in under 48 hours through the borrower portal via photo and invoice submission. No tax returns are required across all short-term programs. Crebrid operates a full broker protection program: broker fees are locked at commitment and paid at closing, term sheets are white-labeled in 60 seconds, and Crebrid never contacts borrowers directly without broker involvement.

Key Differentiators

Why investors choose this lender:

  • Rates from 7.73% - among the lowest published rates in hard money - Crebrid publishes real pricing upfront with no teaser rates; the 7.73% floor is available to qualifying borrowers based on credit and experience, not a bait-and-switch headline
  • Institutional capital backed by Barings ($400B+ AUM) - Crebrid is powered by Barings, a global investment manager backed by MassMutual; $500M lending power with institutional-grade underwriting and the balance sheet to close large deals without delay
  • Instant 60-second rate quotes - no loan officer required - input property details and get a full downloadable deal sheet in 60 seconds; estimated profit, ARV, interest rates, and terms available before any conversation begins
  • 24-48 hour closings with under 48-hour draw turnaround - complete submissions close in 24-48 hours; draws process in under 48 hours via photo and invoice portal submission; one of the fastest end-to-end pipelines in the hard money market
  • Non-Dutch interest on GU construction and rehabs over $100K - interest charged only on funds actually drawn, not the full commitment; materially reduces carrying costs on large rehab and construction budgets compared to full-loan interest lenders
  • Full broker protection with white-labeled term sheets in 60 seconds - broker fees locked at commitment and paid at closing; Crebrid never contacts borrowers directly; term sheets can be white-labeled in 60 seconds with broker fee built in

Where They Lend

Nationwide
26 States
Active in 26 states: AL, AZ, CO, CT, DE, FL, GA, IN, IA, KS, KY, MD, MA, MO, MT, NE, NH, NC, OH, OK, PA, SC, TN, TX, UT, VA. Residential investment properties for fix-and-flip, bridge, new construction, and DSCR. No owner-occupied properties.

Loan Types, Structures and Terms

$75,000+
Typical Loan Amounts
6 to 18 Months
Typical Terms
7.73%+
Typical Interest Rates
1.5% to 2.5%
Typical Points
Fix-and-flip: 90% LTC, 70% LTV. Short-term bridge: contact Crebrid for specific terms. New construction: contact Crebrid for terms. DSCR rental: property-income based qualification, SFR through 10+ unit multifamily. All: non-Dutch interest on GU and rehabs over $100K.
Fix-and-Flip
New Construction
Rental (DSCR)
Short-Term Bridge
Crebrid fix-and-flip loans fund from $75K at rates starting at 7.73%, up to 90% LTC and 70% LTV, with 6-18 month terms and 24-48 hour closings. No tax returns required. Non-Dutch interest on rehabs over $100K.
Fix & Flip FeatureStructure & Terms
Minimum Loan Amount$75,000 minimum
Interest RateRates from 7.73% | Interest-only payments | Pricing based on credit score and experience tier
Origination Points1.5 to 2.5 points
Loan Term6, 12, or 18 months
Max LeverageUp to 90% LTC | Up to 70% LTV
Speed to Close24 to 48 hours for complete, clean submissions
Draw TurnaroundUnder 48 hours | Submit photos and invoices via portal
Interest on Rehab FundsNon-Dutch interest on rehabs over $100K - interest charged only on drawn funds
DocumentationNo tax returns required. Submit purchase contract, budget, and scope through the online portal.
Crebrid new construction loans fund SFR, multifamily, and commercial builds at rates from 7.73% with non-Dutch interest - borrowers pay only on funds drawn. Under 48-hour draw processing. No tax returns required.
Construction FeatureStructure & Terms
Project TypesSingle-family spec homes, multifamily developments, and commercial real estate construction
Interest StructureNon-Dutch interest - interest charged only on funds drawn, not the full loan commitment. Reduces carrying costs during the build phase.
RatesRates from 7.73% | Pricing based on experience tier and credit profile
Draw TurnaroundUnder 48 hours draw processing via online portal
DocumentationNo tax returns required. Submit property details, purchase contract, and project scope through the Crebrid portal.
States Served26 states including TX, FL, NC, TN, OH, GA, CO, PA, VA and more. See crebrid.com/states for full list.
Crebrid DSCR rental loans qualify on property income rather than personal W-2 or tax returns. Covers SFR through 10+ unit multifamily. Flexible structures and competitive terms for buy-and-hold investors building long-term rental portfolios.
Rental DSCR FeatureStructure & Terms
Qualification BasisProperty income only. No W-2s, tax returns, or pay stubs required. Underwriters evaluate the history and potential rental income of the property.
Property TypesSingle-family rentals (SFR) | 1-4 unit residential | 5-10 unit multifamily | Condos and townhomes | 10+ unit multifamily
Loan PurposePurchase, rate-term refinance, and cash-out refinance for stabilized rental properties
Program StatusNewly launched program. Contact Crebrid at crebrid.com/loans/rental-loans or (972) 525-4777 for current terms and rate sheets.
BRRRR Exit StrategyInvestors can use Crebrid's fix-and-flip or bridge loan for the acquisition and rehab phase, then refinance into the DSCR program at stabilization - one lender for the full BRRRR cycle.
Crebrid bridge loans provide fast short-term capital for real estate investors across 26 states. Rates from 7.73%, 24-48 hour closings, no tax returns required, and under 48-hour draw processing via the Crebrid online portal.
Bridge Loan FeatureStructure & Terms
Loan PurposeShort-term bridge financing for real estate investors - as-is acquisitions, refinances, and BRRRR-strategy holds with a planned DSCR refi exit
Interest RateRates from 7.73% | Interest-only
Speed to Close24 to 48 hours for complete submissions
DocumentationNo tax returns required. Property-level underwriting. Submit through Crebrid portal.
Instant Rate Quote60-second rate quotes available online at crebrid.com/explore-rates. No loan officer required for initial estimate.
States Served26 states - see crebrid.com/states for the full list
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
Explore Rates

Borrower Qualifications (Are you qualified?)

Crebrid qualifies borrowers on the asset and deal merit rather than personal income documentation. No tax returns required. All experience levels accepted, with rate tiering based on investor experience. Instant online rate quotes available in 60 seconds without a loan officer.
Qualification ParameterLender Requirements
Income DocumentationNo tax returns required. Crebrid underwrites on property-level data and deal merit, not personal income history or W-2 documentation.
Experience LevelAll experience levels accepted - from first-time flippers to seasoned portfolio investors. Experience tier influences rate pricing.
Application ProcessSubmit property details, purchase contract, and scope of work through the Crebrid online portal. Instant rate quotes in 60 seconds with no loan officer required for initial estimate.
Entity RequirementContact Crebrid directly to confirm entity requirements for your specific loan type. Investment purpose loans only.
Broker ProgramFull broker protection. Broker fee locked at commitment letter, paid at closing. White-labeled term sheets generated in 60 seconds. Crebrid never contacts your clients directly.

Underwriting Process (How long will it take to get approved?)

Crebrid underwrites in-house with tech-driven precision. No tax returns required - underwriting is property and deal-based. Instant rate quotes in 60 seconds online. Complete submissions close in 24-48 hours. Appraisals use smarter market data for faster, more accurate ARV determinations.
Stage / RequirementProcess & Timelines
Instant Rate Quote60-second online rate quotes at crebrid.com/explore-rates. Input property details and get a downloadable deal sheet with estimated profit, ARV, rates, and terms - no loan officer required.
Application SubmissionSubmit property details, purchase contract, and scope of work through the Crebrid borrower portal. No tax returns required. Clean package goes straight to decisioning.
UnderwritingIn-house underwriting team uses smarter market data and more relevant appraisals for faster ARV decisions. No third-party committee delays.
Speed to Close24 to 48 hours for complete fix-and-flip submissions. Among the fastest closing timelines in the hard money lending market.
Experience TieringCredit score and investor experience tier influence rate pricing. All experience levels accepted. Higher-tier borrowers access lower rates. Visit crebrid.com/experience-level for tier details.

Draw Process (How long will it take to get draws?)

Crebrid processes draw requests within 48 hours. Borrowers submit progress photos and invoices through the online portal and funds are disbursed quickly to keep crews paid and renovation schedules intact. Non-Dutch interest applies on ground-up construction and rehabs over $100K.
Operational StepMethodology & Timelines
Draw SystemBorrowers submit progress photos and invoices through the Crebrid online portal to request draws against the approved renovation budget.
Funding TurnaroundUnder 48 hours draw processing. Funds are disbursed promptly so crews stay paid and project timelines stay intact.
Interest on Rehab FundsNon-Dutch interest on ground-up construction and rehab projects over $100K - interest charged only on funds actually drawn, not the full commitment amount.
Draw PortalAll draw requests managed through the Crebrid borrower portal at borrower.crebrid.com. Dedicated team available throughout the project lifecycle.
FlipperForce IntegrationUse the FlipperForce Project Scheduler to map critical path contractor dates and the Project Budgeter to track live cost variance against your approved Crebrid draw schedule.