Los Angeles, California - February 11th, 2025 – Vesta Equity, a leader in home equity investments, today announced a strategic partnership with ProvLabs (Provenance Blockchain Labs), a provider of enterprise-grade APIs and SaaS solutions, to create a robust, and global home equity investment ecosystem. This collaboration will provide homeowners and investors with a brand-new alternative to traditional, debt-driven residential financing....
Live in Prosperity
Enhance Client Wealth with Innovative Home Equity Solutions
Empower your clients to access debt-free liquidity to preserve their investment portfolio growth, and protect your Assets Under Management (AUM) through Vesta Equity's home equity financing offerings.
The Problem
Life Throws Obstacles in the Way of Your Clients' Wealth Building Journey!
Leverage Vesta Equity's solutions like Equity Tap™ and Mortgage Exit™ to help your clients access their home equity debt-free:
No monthly payments
Because Home Equity Investments are not loans, clients pay no monthly payments.
An essential planning tool for clients
Home equity investments are not debt. Instead of underwriting the homeowner, we underwrite your client’s residential property, making it easier for clients like small business owners to get the cash they need.
Protect and expand your AUM
Enable clients to draw cash from home equity instead of interrupting their portfolio growth. Clients seeking more passive income can rebalance trapped home equity into an expanded portfolio.
Our Solution
How it Works
Provide Client Liquidity Without Added Debt
As a Registered Investment Advisor, your clients' financial well-being is your top priority. When they need access to funds, traditional loans or portfolio withdrawals may not be the ideal solutions. Partnering with Vesta Equity empowers you to offer homeowners a debt-free liquidity option: converting home equity into cash without monthly payments. Enhance your advisory services by providing innovative solutions that align with your clients' financial goals.
Benefits to Homeowner Clients - Debt-Free Cash for Home Equity:
- Non-debt source of cash.
- No monthly payments.
- Homeowner retains full legal ownership of their home.
- Flexibly exit home equity investment —no fixed timelines.
- Multiple Use Cases:
- Retire burdensome high-cost consumer debt loads.
- Cover educational expenses.
- Pay healthcare expenses or planned/unplanned age in place expenses.
- Rebalance home equity into a diverse portfolio to create investment cash flows.
- Solve estate planning and family law needs requiring liquidity without selling the primary residence.
Benefits to Advisors - A Novel and Important Planning Tool:
- Differentiated value to clients with a novel equity based liquidity solution;
- Protect AUM through source of cash that doesn’t require a portfolio draw;
- Add to AUM and client cash flows through rebalancing of excess home equity into a diverse portfolio (especially for clients with paid off or low mortgage debt levels);
- Provide cash to home equity rich clients (e.g. Small Business owners) who often don’t qualify for HELOC’s or who don’t want more debt.
"SEC Registered Investment Advisors have over $128.4 trillion of assets under management." – Investment Adviser Industry Snapshot 2024
Act Now
Become an Affiliated RIA with Vesta Equity
Unexpected financial burdens often disrupt the path to building a secure future. Partner with your clients to take control and transform their home equity into a powerful wealth-building tool. Interested in becoming a Vesta Equity Affiliated RIA? Sign up for an informational call to learn more about adding a new source of debt-free cash to meet your clients' needs.
Samir Singh
Chief Operations Officer
Making Access to Home Equity Easy
Frequently Asked Questions
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With this investment in their home equity, would my clients still own their house?
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Is it OK if my client already has debt on their home?
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How much cash can a client get?
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What is the term of your equity investment?
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Are there any restrictions on what the proceeds from the home equity investment can be used for?
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Why would a client agree to an equity investment instead of using a HELOC or other credit instrument?
Yes. Our investment in home equity is called a home equity share. Clients retain all ownership rights in their house but agree to pay a percentage of their home value to equity investors at the time they choose to settle.
Yes, we place a lien on the property in order to ensure performance under our agreement with your client and that lien can be in the second position behind an existing loan.
We ensure that existing debt combined with our equity investment does not exceed 80% of the home’s value as indicated by an appraisal.
Because it is an equity investment and not debt we have no term. Clients can settle their agreement with us at a time of their choosing or upon the occurrence of major life events, e.g. death, sale of home.
No. We place no restrictions on the use of funds.
For some clients, a credit instrument like a HELOC is the better option. However, for clients that don’t want monthly payments or a specific timeline in which they must pay back borrowed funds, home equity investments are a great source of cash.
