Cash in days. Simple. Clear.
No credit or income checks. Enter your address, see your numbers, sign a couple of documents — funds land in days, not months.
4.8
Cash from home equity in as little as 10 days — without selling, moving, or taking on debt.
Stay in the home you love. Stay out of debt.
Leave more to the people you love — not the bank.
Cash in as little as 10 days 
No credit check 
No monthly payments 
Keep the home you love 
As seen in
A smarter new way to access your home's equity — for the years that matter most
No monthly payments. Ever.
It's not a loan, so there's no debt, no interest, and no future settlement deadline. You're simply selling a small slice of your equity to a passive co-owner.
Stay in the home you love.
No moving. No downsizing. Live in the home you worked hard for all these years as long as you like — and keep it in the family.
You're in the driver's seat.
You decide if and when to sell, and you 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 problem
The squeeze you may already be feeling
The retirement cash-flow gap
People are living longer. Costs keep climbing faster than income. And for most homeowners, the largest chunk of your wealth is locked inside the one asset you actually live in.
If you're equity-rich but cash-tight, the usual ways to get at that money each come with a catch:
A HELOC adds a monthly payment to a fixed income, and puts your home on the line if you fall behind.
A cash-out refinance resets your mortgage with new debt at today's higher rates — and a bigger monthly payment.
A reverse mortgage has no monthly payment, but compounding interest quietly eats away at what you'll leave behind, with a balloon due at sale or death.
A Home Equity Investment (HEI) has no monthly payment, but takes a share of your home's future growth, places a lien on your home, and can still lead to foreclosure if you break the contract terms.
All four are forms of borrowing against your home. Each carries a cost that's easy to miss at signing — especially the long-term bite of compounding interest or a claim on your home's future value.
Beeline Equity Now removes the trade-off. You sell a defined slice of your home's equity, at today's value, to an institutional co-owner. You get cash. They become a real, recorded co-owner. There's nothing to repay, no claim on your home's future growth beyond the share they own, and the structure is designed to qualify your proceeds for the IRS §121 primary-residence capital gains exclusion.
The process
Ten days from first enquiry to funded
- 1Day 1
Indicative offer
Enter your property address and a few basic details. We generate an AVM-based 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. The co-ownership is recorded on the deed.
What this changes for you
Wealth that's been off-limits, finally within reach — without selling, borrowing, or losing control
For most homeowners, the home is the biggest thing you own and the hardest to tap. You can feel the problem — too much wealth locked in the place you live, too little cash to actually live well — but until now there hasn't been a clean way to fix it.
Beeline Equity Now is the first structure that gives you tax-advantaged liquidity without any of the cost or pain of selling, HELOCs, refinancing, reverse mortgages, or HEIs.
If you've been quietly worried about running out of money, this is the tool that lifts the worry. If you want to help your children with a down payment or education, it's the cleanest way to do it — but we always suggest confirming these exclusions with your financial advisor first.
- Release up to $200,000 of equity (most joint filers, where §121 applies), capital gain tax-free
- Stay in your home, with full control — you can't be forced to move, downsize, or relocate
- Take on no debt, no monthly payment, no interest, no balloon
- Face no foreclosure risk, because there's no loan on your home
- See all fees and the exact equity share upfront, before you sign anything
- Repeat the transaction every two years, in line with the §121 cadence, but you'll need to check your eligibility
- Receive your proceeds in about ten days, with minimal paperwork
High fives
Homeowner reviews
What an amazing product! Incredible Team! Highly recommend as a way to put your equity to work!
Tony Nashville, TN
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
Definition
What Beeline Equity Now is — and what it isn't
It is
- A true, recorded fractional sale of equity in your primary residence
- A real co-ownership relationship recorded on the deed
- Settled in about 10 days
- Structured to qualify for IRC §121 capital gains exclusion ($250K single / $500K joint)
- Repeatable every two years, in line with the §121 cadence
- Available for primary residences valued at $900K or above
It is not
- A loan, line of credit, or any form of credit
- A reverse mortgage
- A Home Equity Investment (HEI) or Shared Appreciation Mortgage
- An obligation to repay capital, interest, or any balloon
- A claim on your home's future growth beyond the share actually owned
The distinction matters because the consequences for you differ significantly. There's no foreclosure clause because there's no debt. No balloon because there's no loan. No accruing interest. It's a sale under state property law, not a credit transaction under federal lending rules. All fees and the exact equity share are shown clearly and upfront, before you sign. No surprises. No back-end charges. No hidden claims on your home's future value.
The comparison
How it compares to the existing options
Asset lien on the home
No
Yes
Yes
Yes
Monthly payments
No
Yes
No
No
Interest accrual
No
Yes
Compounding
Indirect
Foreclosure risk
No
Yes
Yes
Yes
Repayment obligation
No
Yes
At exit
At exit
IRC §121 tax eligibility
Designed to qualify
No
No
No
Time to funding
~10 days
4–8 weeks
6–12 weeks
4–6 weeks
Underwriting basis
Property only
Credit + income
Age + property
Credit + property
Full home control retained
Yes
Yes
Limited
Limited
Repeatable
Every 2 years
Yes (more debt)
No
No
The right-hand advantage exists because Beeline Equity Now is a sale, not a credit transaction. Different rules. Different protections. Different tax treatment. Different outcome for you.
The math, illustrated
Why keeping the home beats selling it
Many people in this position consider selling the home outright to free up cash. The math rarely favors that path.
Full home sale
Beeline Equity Now ($500K)
Capital gain
$700K+ (likely exceeds §121)
$500K (within §121)
Federal LTCG tax
~$40K+ on excess gain
$0 (designed to qualify)
Realtor commission
5–6% (~$75K–$90K on $1.5M)
$0
Moving costs & disruption
Substantial
None
You keep the home
No
Yes
Repeatable
No
Every 2 years
Even before the emotional cost of leaving, the financial math favors keeping the home for people who don't actually want to go.
Optionality
You're in complete control
Buy back the share you sold, anytime from year one onwards, with 90 days written notice. The price uses the same calculation used at entry — symmetric math. No fee. No floor.
Open-ended: no maturity date, no forced exit. The share can sit on title indefinitely, or pass to your heirs, who can keep going with us or buy it out themselves.
Some people use the cash as a bridge — for a specific need — and plan to restore the equity later when their situation improves (a business sale, an inheritance, downsizing proceeds). Because the buy-back uses the same calculation as entry, the cost to restore tracks market value at the time — it's predictable and transparent.
About
Who's behind this.
$1B+
home financing originated
38%
YoY growth in 2024
80+
Net Promoter Score (4× industry average)
Nasdaq: BLNE
publicly traded, audited financials
Beeline Equity Now is part of Beeline Holdings, Inc., a publicly traded fintech listed on the Nasdaq under the ticker BLNE. Public-company governance. Audited financials. 20+ years of combined leadership experience in title, mortgage origination, and proptech.
The leadership team includes Nick Liuzza (CEO — founder of Linear Title & Closing, A+ BBB, three Inc. 5000 appearances, acquired by Real Matters), Jess Kennedy (COO — JD Florida State, HousingWire Rising Star 2021), Cameron Slabosz (CTO — architect of the Hive production engine), and Johan Kriegbaum (Head of AI and Optimization — launched the first AI agent in US mortgage history).
