What an amazing product! Incredible Team! Highly recommend as a way to put your equity to work!
Tony Nashville, TN
4.8
Free up cash from home equity in as little as 10 days without taking on debt
Sell a small slice of your home's equity to release $50–$200k.
No new debt. No monthly payments.
Stay in your home and breathe easy.
Cash in as little as 10 days 
No credit check 
No monthly payments 
Keep the home you love 
As seen in
Beeline Equity Now
A new way to access your home's equity — and reduce debt instead of adding to it.
Cash in days. Not weeks.
See your offer in 1 minute. Then a couple of documents and signatures before funds land in days. We look at the property, so there are no credit or income hurdles.
No monthly payments. Ever.
It's not a loan, so there's no interest, monthly payments or future settlement deadline. Pay down high-interest debt or your mortgage — and breathe easier.
Keep your rate. Skip the refinance.
Locked into a low mortgage rate? Keep it. This sits alongside your existing mortgage — so there's no need to touch it, reset it or worry about today's rates.
You're in the driver's seat.
You decide when to sell — and can buy your share back anytime after year one. We just come along for the ride. Paint the kitchen orange. We won't flinch.
The process
Ten days from first enquiry to funded.
- 1Day 1
Indicative offer
Enter your property address and a few basic details. We generate a valuation and an indicative offer within minutes.
- 2Days 1–3
Documentation
Review your offer. If you're happy, we collect light documentation — mortgage statement, ID, homeowners insurance — and begin the title search.
- 3Days 3–7
Title and confirmation
Title search completed, final offer confirmed, closing documents prepared.
- 4Days 7–10
Closing and funding
Close remotely or in person. Funds are sent to you.
See if your home qualifies.
It comes down to your property, not your finances. Use the offer tool to see if your property qualifies.
- Primary residence valued at $900,000 or above
- Enough equity in the home
- The property is in an area we currently serve
- No minimum credit score, no income requirement, no proof of employment
The comparison
How it compares to the existing options.
Asset lien on the home
No
Yes
Yes
Yes
Monthly payments
No
Yes
Yes
No
Interest accrual
No
Yes
Yes
Indirect
Foreclosure risk
No
Yes
Yes
Yes
Repayment obligation
No
Yes
Yes
At exit
Time to funding
~10 days
4–8 weeks
4–6 weeks
4–6 weeks
Underwriting basis
Property only
Credit + income
Credit + income
Credit + property
The advantage exists because Beeline Equity Now is a sale, not a credit transaction. Different rules. Different protections. Different outcome for you.
What this changes for you
Your equity is more liquid than you think — and it doesn't have to cost you a monthly payment.
If you're carrying high-interest debt, or stuck because refinancing means giving up a low rate, you're not out of options — you just haven't had a clean one.
A HELOC or cash-out refi means new debt, a new monthly payment, and today's rates. A credit card means even higher interest. Doing nothing means the stress stays exactly where it is.
Beeline Equity Now is different. You sell a small, defined slice of your home's equity for cash — at today's value, to a passive co-owner. There's nothing to repay, no interest, no monthly payment, and you don't touch your existing mortgage.
Free yourself up and breathe easier.
- Pay down high-interest debt and cut your monthly outgoings
- Fund a renovation you've been putting off — without a HELOC or contractor financing
- Cover school fees or education without raiding savings or adding a bill
- Keep your low mortgage rate — this sits alongside it, you don’t refinance
- Qualify on your home, not your credit — no income or credit check
- Funds in about ten days with minimal paperwork
FAQs
Straight, clear answers
Is this a loan?
No. It's a sale of a small, defined share of your home's equity to a passive co-owner. There's no debt, no interest, and no monthly payment.
Will it affect my existing mortgage or my rate?
No. It sits alongside your current mortgage. You keep your rate and your terms — there's no refinance.
Do I need good credit or proof of income?
No. We underwrite the property, not the borrower. There's no credit check and no income verification.
Can I use the money to pay off debt?
Yes. Many homeowners use it exactly that way — paying down high-interest credit cards or other debt to reduce what they owe each month.
Do I have to make monthly payments?
No. There are no monthly payments, no interest accrual, and no balloon. You settle the share only if and when you choose to buy it back, or when the home is eventually sold.
How fast can I get the money?
Funding typically happens in about ten days from your initial enquiry.
Can I buy my share back later?
Yes. You can buy your share back anytime after one year, using the same calculation we used at the start.
High fives
Homeowner reviews
Beeline Equity delivered an exceptional experience from start to finish. Their product offering is truly differentiated, and the team was highly responsive, taking the time to clearly walk through every step of the process. The level of customer service was outstanding throughout. I would strongly recommend them.
Joe Nashville, TN
TJ at Beeline was great to deal with. Very informative about the process and great to deal with through the closing process. Highly recommended.
Ross Hingham, MA
Had an exceptional experience with Beeline. I worked with them on the best product currently in the market. My husband and I were able to access cash from our home with no monthly payments. The team was knowledgeable and kept in touch throughout the process. No stress. Highly recommend.
Sarah Westport, CT
Sell, refi or buy back your slice
You're not stuck selling or refinancing anymore. Sell a small slice of equity for cash today — no loan, no monthly payments, no moving. And if you change your mind, buy the equity back any time after year one or sell whenever it suits. The choice stays yours.
Beeline Equity Now vs cash-out-refi
A cash-out refi piles new debt on top of your mortgage at today's rates, and you feel it every month. Beeline Equity Now isn't a loan, so rates don't matter and there's nothing to repay along the way. Faster to close, simpler paperwork, easier on your credit and cash flow.
Beeline Equity Now vs HELOC
A HELOC is still debt — a second monthly payment at a variable rate, secured against your home, with foreclosure risk if money gets tight. Beeline Equity Now isn't a loan. It's a new way to free up cash and breathe easier without taking on a new loan.