Us
Equity Now
Beeline Equity Now
We buy a minority share of your home for cash. No debt, no payments, no interest.
- Monthly payments $0
- Credit score None required
- Time to funding As little as 10 days
See how Beeline
Equity Now compares
Five ways to get cash from your home, laid out plainly.
Pick what works for you — even if it's not us.
A new category in home finance
What is Equity Co-Ownership?
You sell a small slice of your home's equity to a partner who joins you on the deed — sharing upside and downside, side by side. Not a loan. Not an HEI. Beeline Equity Now is pioneering Equity Co-Ownership in the US.
It's clearer than the other options because the equity percentage you sell — let's say 15% — is permanently fixed. Beeline Equity Now records a deed interest representing that 15% of the property on day one, and that percentage remains exactly 15% in year five, year ten, and year twenty.
As the home appreciates, the dollar value of your stake and ours grows in direct proportion to home-value growth — your percentage of ownership is never eroded beyond what's agreed at closing. No asymmetric ratio math. No compounding interest eating your equity year after year.
Beeline Equity Now sits alongside the more familiar options below. For some homeowners, it's the right answer. For others, a HELOC or a refi will fit better. The comparisons on this page are designed to help you tell the difference.
The lineup
Meet the five options.
A snapshot of each, side by side. Tap any to dig in below.
HELOC
Home Equity Line of Credit
Revolving credit line secured against your home. Borrow, repay, repeat.
- Monthly payments Variable, interest-only at first
- Credit score 680+
- Time to funding 30–45 days
Cash-out refi
Cash-out refinance
Replace your mortgage with a larger one. Pocket the difference but keep paying monthly payments for the life of the loan.
- Monthly payments Yes, full new mortgage
- Credit score 620+
- Time to funding 30–60 days
HEI
Home Equity Investment
You sign a contract giving a company a future claim on your home's appreciation. They're not on the deed; they have a lien. No monthly payments, but exit terms vary widely between providers.
- Monthly payments None
- Credit score 500+
- Time to funding 21–30 days
Reverse mortgage
Reverse mortgage (62+)
Borrow against equity, repay only when you move out or sell. Age-restricted.
- Monthly payments None — interest accrues
- Credit score Minimal
- Time to funding 30–45 days
At a glance
How each option works.
Beeline
Equity Now
HELOC
Cash-out refi
other providers
HEI
62+
Reverse
Structure
Equity sale
Loan
Loan
Contract / lien
Loan
Monthly payments
None
Yes — variable
Yes — full new mortgage
None
None (interest accrues)
Interest accrues
No
Variable rate
Yes
No — but share of appreciation
Yes
Credit score
None required
680+
620+
500+
Minimal
Income docs
None
Required
Required
Light
Required
Lump sum at funding
Yes
No — line of credit
Yes
Yes
Yes
Time to funding
As little as 10 days
30–45 days
30–60 days
21–30 days
30–45 days
Affects DTI
No
Yes
Yes
No
Yes
Age restrictions
None
None
None
None
62+ only
Repayment
When you sell — or buy back in 5 years
As you draw
15–30 yrs
Exit terms vary by provider
On move-out / sale
Indicative only — terms and timing vary by lender. Equity Now figures are for a typical owner-occupier offer.
Step 1
Compare the category.
Different products solve different problems. Start by figuring out which type fits your situation.
Start here
Equity Co-Ownership vs HEI
The most important comparison if you're exploring equity-sharing. Understand how a deeded share differs from a contract-based claim on your home — and why the structural difference matters.
Read the comparison
Equity Co-Ownership
On the deed
A real recorded ownership interest.
HEI
Contract + lien
A claim on future appreciation.
Equity Co-Ownership vs HELOC
Co-ownership without monthly payments versus a credit line with variable interest.
Read more
Equity Co-Ownership vs Cash-out refinance
Selling a slice of equity versus replacing your mortgage with a larger one.
Read more
Equity Co-Ownership vs Reverse mortgage
Co-ownership versus a loan that grows against your home over time.
Read more
Step 2
Compare the providers.
Equity Co-Ownership and HEI are two different beats, but here's how Beeline Equity Now stacks up against equity-sharing products on the market.
The honest summary
No single option is best for every homeowner.
The right answer depends on your age, your income, your existing mortgage, how long you plan to stay in the home, and what you actually need the money for.
Equity Co-Ownership is the right answer for some homeowners and may be the wrong answer for others. These comparisons are written to help you decide which one fits you.
Your Equity Guide can walk you through the options.
Last updated · May 15, 2026
Why Equity Now wins
Better, in three common situations.
Need cash fast
You want a lump sum without another monthly bill.
Renovation, business cash flow, paying off high-interest debt — you need real money, fast, without adding to your fixed costs.
HELOC
Variable rate, monthly draws, ties up your credit score.
Beeline Equity Now
One lump sum. No payments. Funded in as little as 10 days.
Self-employed or retired
Your income doesn't fit a lender's checkbox.
You have plenty of equity but variable income, freelance work, or you're retired — the kind of profile that gets a refi declined.
Cash-out refi
620+ credit, full income docs, DTI under 43%, 30+ years of payments.
Beeline Equity Now
The home qualifies, not you. No credit check. No income docs.
Want to stay put
You want cash, but not at the cost of your home.
You want to keep the home you love, stay in it as long as you like, and not hand off control or future flexibility.
Reverse mortgage
Interest accrues for life, restricts how you use the home, 62+ only.
Beeline Equity Now
You stay the majority owner. Buy our share back within 5 years. Any age.