Notable

What Notable does

Notable (Notable Finance, LLC) is a Stamford, Connecticut-based fintech founded in 2019 that provides unsecured "pay-at-close" lines of credit of up to $50,000 (with some eligibility up to $75,000) to U.S. home sellers for pre-sale improvements such as staging, repairs, painting, flooring, and landscaping, with all principal, interest, and fees deferred until the home sale closes. The company operates a proprietary digital lending platform that supports online pre-qualification (minutes-long, soft-pull, no credit-score impact), fund disbursement via a Mastercard debit card, bank transfer, or check, direct vendor payments, and a borrower-facing loan management portal with text and email notifications. Notable reports more than 35,000 funded transactions, over $1 billion in cumulative credit issued, a 96% customer satisfaction score, and a 4.8/5 Trustpilot rating, and claims homes prepped using its financing sell approximately 31% faster and for 9% more than comparable listings.

Notable generates revenue primarily through interest and fees on the credit lines it extends, structured as a transaction-based take rate on each closed loan. Its dominant go-to-market is a B2B white-label channel model in which real estate brokerages — including Compass, Redfin, Windermere Real Estate, Berkshire Hathaway HomeServices California Properties, The Agency, Brown Harris Stevens, @properties Christie's International Real Estate, and 100+ additional partners — rebrand the product under brokerage-specific names such as Compass Concierge, Windermere Ready, Redfin Concierge, ELEVATE, ReFrame, Curate by BHS, Seller's Edge, Market Lift, Market Ready, and Refresh. A secondary direct-to-consumer channel on notablehome.com allows sellers to self-pre-qualify, and the company also targets home stagers and service professionals (contractors, repair technicians) as adjacent beneficiaries who receive faster, more reliable payment through the platform ($280M+ paid to service professionals and $150M+ to stagers cumulatively).

Notable raised a $6 million Series A in September 2025 led by W.R. Berkley Corporation with participation from Second Century Ventures (the investment arm of the National Association of REALTORS), as part of which Clare Tokheim of W.R. Berkley joined the board. The company holds consumer lending licenses across 40+ U.S. states plus D.C., including NMLS #1824748, California DFPI Financing Law License 60DBO 86291, and Virginia State Corporation Commission CFI-243, and operates loans through Notable Finance, LLC and an affiliated lender relationship with Quorum Federal Credit Union.

Name

Notable

Legal name

Notable Finance, LLC

Website

https://notablehome.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Notable is a Stamford-based fintech providing unsecured pay-at-close lines of credit up to $50,000 to home sellers for pre-sale improvements, repaid at closing. It distributes primarily via white-label partnerships with 100+ real estate brokerages including Compass, Redfin, and Windermere.

Ownership category

akta.pro rank

Product category

Real Estate Fintech / Consumer Lending

NAICS

Sales Financing (522220), Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE)

akta.pro secondary industries

Home Improvement & Contractor POS Financing (FSAKAFAJ), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Mortgage Lead Generation & Marketing Intermediaries (FSALABAI)

Keywords

• Pay-at-close lending
• Home seller financing
• Real estate fintech
• Unsecured lines of credit
• White-label lending platform

Headquarters

HQ city

Stamford

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Pay-at-Close Lending: Notable generates revenue through interest and fees on unsecured credit lines extended to home sellers. The loan is repaid at closing from home sale proceeds. Interest and fees apply and are disclosed before loan agreement. Loan funds, interest and fees are due upon loan acceleration, twelve months after origination, client's termination of the listing agreement, or Notable's suspension of the loan.
2. Brokerage Partnership Fees: Notable partners with real estate brokerages to white-label its financing product, earning revenue from the volume of loans originated through partner channels. Partner brokerages include Compass, Redfin, Windermere, Brown Harris Stevens, The Agency, and 100+ other brokerages nationwide.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Notable is a direct lender that provides unsecured lines of credit (up to $50,000-$75,000) to home sellers to fund pre-sale improvements such as staging, repairs, painting, flooring, and landscaping, with no principal, interest, or fee payments due until the home sale closes. The product is distributed both directly to consumers through a self-serve website application and via a white-label platform embedded into 100+ real estate brokerage partner programs (e.g., Compass Concierge, Windermere Ready, Redfin Concierge).

Product overview

Notable offers a single core product: Pay-at-Close Financing, an unsecured line of credit designed specifically for home sellers to fund pre-sale improvements. The product is white-labeled to partner brokerages under various brand names (such as Refresh, Market Ready, Seller's Edge, Elevate, Flex, ReFrame, Windermere Ready, Curate by BHS, Seller Ready, RLAH Restoration, and Market Lift) depending on the partnership. The core platform enables homeowners to borrow up to $75,000 for staging, repairs, and other listing preparations, with all costs repaid at closing with no upfront payments required. Notable also offers separate portals for brokerages, home stagers, and service professionals, each white-labeling the same underlying financing product for their respective client bases.

Differentiator

Problem solved

Functional benefit

Products and services

• Notable Pay-at-Close Financing An unsecured line of credit offered directly to U.S. home sellers to fund pre-sale improvements such as staging, repairs, painting, flooring, landscaping, moving, and storage. Sellers pre-qualify in minutes online without a credit-score impact, draw up to $50,000 (up to $75,000 in some cases), pay any contractor via Mastercard debit card, bank transfer, or check, and repay principal plus low fixed interest out of home sale proceeds at closing. Funds, interest, and fees become due upon closing, twelve months after origination, termination of the listing agreement, or loan acceleration.
• Brokerage White-Label Lending Platform

Quantifiable outcome

• Homes prepped using Notable sell 31% faster and fetch 9% more than comparable listings
• +6 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

20 partnerships are on record, tiered major, core and flagship.

• @properties Christie's International Real EstatemajorChannel Partner/ Reseller/ Distributor · 18 February 2026@properties Christie’s International Real Estate launched a Concierge program powered by Notable, offering home sellers upfront funds of up to $50,000 or 10% of list price (for properties up to $4 million) to cover preparation costs like renovations, staging, and landscaping. No principal, interest, or fee payments until closing.
• Premiere Property GroupmajorChannel Partner/ Reseller/ Distributor · 9 December 2025Premiere Property Group partnered with Notable to launch Refresh, allowing home sellers in Oregon and Washington to undertake home upgrades and repairs with deferred costs until closing, helping agents and sellers prepare homes for sale in fast-moving markets.
• Long RealtycoreChannel Partner/ Reseller/ Distributor · 25 November 2025Notable partnered with Long Realty to launch Seller's Edge, providing Arizona homeowners with funds for home improvements payable at closing. The program helps sellers make strategic updates without upfront costs, responding to buyer expectations for move-in ready homes.
• Lamacchia RealtymajorChannel Partner/ Reseller/ Distributor · 19 November 2025Lamacchia Realty launched Market Ready, powered by Notable, enabling sellers in Massachusetts, Connecticut, and New Hampshire to fund pre-sale improvements with no upfront costs. Sellers can access up to $50,000 for home preparation, paid at closing.
• CENTURY 21 ScheetzcoreChannel Partner/ Reseller/ Distributor · 30 October 2025CENTURY 21 Scheetz launched Market Lift, a pay-at-close program powered by Notable, enabling Indiana homeowners to access up to $50,000 for pre-sale upgrades with no upfront costs.
• RLAH @propertiescoreChannel Partner/ Reseller/ Distributor · 21 October 2025RLAH @properties launched RLAH Restoration, a pay-at-close program provided by Notable, offering up to $50,000 in funding for home preparation during sales to help sellers enhance property value and reduce time on market without upfront costs.
• Keller Williams Inspire NetworkmajorChannel Partner/ Reseller/ Distributor · 25 September 2025Keller Williams Inspire Network (2,000+ agents across Georgia, Alabama, Florida, and Texas) launched Seller's Edge with Notable, giving sellers access to up to $50,000 in home preparation funds with no upfront cost and nothing due until closing.
• Berkshire Hathaway HomeServices California PropertiesflagshipChannel Partner/ Reseller/ Distributor · 9 September 2025Berkshire Hathaway HomeServices California Properties launched ELEVATE, a premium pre-sale home preparation program powered by Notable. The program gives sellers access to up to $50,000 with no upfront payment and nothing due until closing. BHHS California has 2,200+ agents in 42 offices.
• FirstTeam Real EstatemajorChannel Partner/ Reseller/ Distributor · 27 August 2025FirstTeam Real Estate launched Flex, powered by Notable, giving home sellers access to up to $50,000 to prepare homes for market with no upfront costs and nothing due until the home sells. FirstTeam is a premier independent brokerage and founding member of Leading Real Estate Companies of the World.
• InteromajorChannel Partner/ Reseller/ Distributor · 13 August 2025Intero Real Estate Services launched Elevate, powered by Notable, a pre-sale home improvement program allowing sellers to access up to $50,000 with no upfront cost and no payment due until the home sells. Intero is a wholly owned subsidiary of HomeServices of America.
• The AgencymajorChannel Partner/ Reseller/ Distributor · 22 July 2025Notable partnered with The Agency to launch ReFrame, a bespoke pay-at-close program providing sellers access to up to $50,000 for staging, repairs, landscaping, and more, all paid back at closing. The Agency is a luxury global brokerage with over $72 billion in transactions since 2011.
• RedfinflagshipChannel Partner/ Reseller/ Distributor · 8 July 2025Notable partnered with Redfin to power the Redfin Concierge program, helping sellers across the country get their homes market-ready without upfront costs. Notable allows home sellers to access funds for staging, repairs, and other listing preparations with no payments due until closing.
• Windermere Real EstateflagshipChannel Partner/ Reseller/ Distributor · 3 June 2025Notable partnered with Windermere Real Estate to power Windermere Ready, a home improvement credit program available to Windermere's network of over 6,500 agents across 300+ offices in 9 states. The program provides sellers access to up to $50,000 in pay-at-close funds for staging, repairs, landscaping, and more with no upfront costs.
• Leading Real Estate Companies of the WorldcoreGTM or Marketing Partner · 3 June 2025Notable is a partner of Leading Real Estate Companies of the World (LeadingRE), a prestigious network of independent brokerages. Brown Harris Stevens and FirstTeam are members of LeadingRE, representing Notable's largest partnerships by sales volume.
• CENTURY 21 New MillenniummajorChannel Partner/ Reseller/ Distributor · 9 October 2024Notable partnered with CENTURY 21 New Millennium to launch 'Seller Ready,' a program allowing homeowners to access funds for pre-market repairs, staging, and enhancements with no upfront costs, deferring payment until closing. CENTURY 21 New Millennium has ~1,100 agents in 25 offices across the Mid-Atlantic.
• Brown Harris StevensmajorChannel Partner/ Reseller/ Distributor · 24 September 2024Notable powers Brown Harris Stevens' 'Curate by BHS' product, enabling agents at the premier real estate brokerage to offer clients convenient access to financial resources to enhance and improve their property for sale. Brown Harris Stevens has over 2,500 agents across the East Coast.
• CompassflagshipChannel Partner/ Reseller/ DistributorNotable partners with Compass, powering the Compass Concierge program since 2018. Compass is one of the largest residential real estate brokerages in the U.S., and Notable is referenced as one of their key integration partners.
• Carolina One Real EstatemajorChannel Partner/ Reseller/ DistributorCarolina One Real Estate in Charleston, South Carolina is one of Notable's brokerage partners. Carolina One is a member of Leading Real Estate Companies of the World.
• Seven GablesmajorChannel Partner/ Reseller/ DistributorSeven Gables in Tustin, California is one of Notable's brokerage partners. Seven Gables is a member of Leading Real Estate Companies of the World.
• Vanguard PropertiesmajorChannel Partner/ Reseller/ DistributorVanguard Properties based in San Francisco, California is one of Notable's brokerage partners. Vanguard Properties is a member of Leading Real Estate Companies of the World.

Scale indicators17 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sundae: Sundae connects sellers of dated or distressed properties with investors, often providing upfront cash offers and financing-adjacent services. It competes for sellers who need capital before their home sale closes.
• Hometap: Hometap provides home equity investments that give homeowners cash now in exchange for a share of the home's future value—addressing the same seller liquidity problem that Notable's pay-at-close line of credit solves, though via a different financial structure.
• Orchard: Orchard offers a home trade-in program that buys the seller's home first, allows them to stay temporarily, and helps them buy their next home—competing in the same seller-financing/concierge space as Notable.
• Knock: Knock provides a Home Trade-In product that finances home sellers by offering a guaranteed cash offer, preparing the home for resale, and managing the move—directly competing with Notable's pay-at-close approach to solving seller cash constraints.
• Accept.inc: Accept.inc provides cash offers to home sellers and finances the buyer's purchase, effectively paying the seller at closing—directly competing with Notable's pay-at-close seller financing concept from the buyer side of the transaction.

Broad incumbents

• Offerpad: Offerpad is an iBuyer that makes direct cash offers on homes, providing sellers with a near-instant liquidity option. As a larger, publicly-disclosed incumbent, it competes broadly with Notable for sellers who want speed and certainty.
• Opendoor: Opendoor is the largest U.S. iBuyer, offering direct cash offers to home sellers. While it operates a different model, it competes for the same segment of sellers who need liquidity before closing and choose non-traditional sale paths.
• Better.com: Better.com is a large digital mortgage lender that, while primarily focused on purchase mortgages, operates in adjacent home-finance product categories and could expand into seller-side financing products competitive with Notable.

Emerging players

• Flyhomes: Flyhomes offers a Cash Offer and Cash Close product that enables buyers (and indirectly sellers) to close quickly with bridge financing—partial overlap with Notable's seller-financing adjacency.
• Point: Point offers home equity investments that give homeowners cash in exchange for a share of future appreciation, addressing the same pre-sale liquidity gap that Notable targets with its unsecured line of credit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/people/Notable-Finance/61580605797704
• LinkedInlinkedin.com/company/notablefinance
• Instagraminstagram.com/notablefinance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Notable