Ribbon Home

Name

Ribbon Home

Legal name

Hurst Real Estate, Inc.

Website

https://ribbonhome.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Alternative Home Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Bridge Loans & Emergency Short-Term Credit (FSAKAMAJ)

akta.pro secondary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Alternative home loans
• Bridge financing
• Cash offer loans
• Home equity lending
• Residential bridge loans

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Origination Fees: Ribbon charges 1.0% to 1.5% of the loan amount as origination fee, plus normal lender closing costs for loans originated directly by Ribbon by Hurst Lending. Revenue is earned when a loan closes.
2. Lender Fees: Ribbon earns revenue through lender fees charged when a loan closes. Typical lender costs include appraisal, credit report, title/escrow, recording, and certain prepaid items.
3. Partner Referrals (Personal Loans): Ribbon partners with Acorn Finance marketplace for personal loans. Ribbon connects customers to compare offers from 20+ national lenders through one application, generating referral/referral fees from the partnership.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Ribbon Home is an alternative home lender offering bridge financing and home equity products that let homebuyers purchase their next home before selling their current one, make cash-equivalent offers in competitive markets, and qualify for financing when conventional loans are unavailable. The platform is operated as a division of Hurst Lending and is backed by NMLS-licensed mortgage lending infrastructure with offices in Dallas and Austin, Texas.

Product overview

Ribbon Home is an alternative home financing platform operated as a division of Hurst Lending. The platform offers a suite of bridge financing and home equity products designed to help homebuyers buy before they sell, compete with cash buyers, and access equity flexibly. Core products include Buy Before You Sell (flaghip offering), Dominate with a Cash Offer Loan, and Just Missed Bridge Loans for borrowers who don't qualify for conventional financing. The platform also provides home equity solutions including HELOC, Home Equity Investment (HEI), and Personal Loans through an Acorn Finance marketplace partnership. Ribbon serves homebuyers, real estate agents, wholesale mortgage brokers, and builders through both direct and partner channels across 16 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Buy Before You Sell A bridge financing program that enables homeowners to purchase their next home before selling their current one, separating the buy and sell timelines to reduce stress and avoid rushed sales. Designed for individual homebuyers who face timing misalignment between transactions.
• Dominate with a Cash Offer Loan A short-term loan program that provides buyers with proof of funds to make cash-like offers in competitive markets, helping them compete with all-cash buyers. Closes within 10 to 15 days and issues a formal proof of funds letter documenting committed lending capital.
• Just Missed Bridge Loan A short-term bridge loan designed for buyers who don't qualify for conventional mortgages, enabling them to purchase a home and later refinance when their situation improves. Uses common-sense underwriting for non-qualifying borrowers.
• HELOC (Home Equity Line of Credit) A revolving credit line secured by the home that allows borrowers to draw funds as needed during a draw period with interest-only payments. Closes in just a few business days and is offered on investment properties and non-warrantable condos.
• Home Equity Investment (HEI) An equity sharing arrangement where homeowners receive cash upfront in exchange for a share of their home's future appreciation, with no monthly payments required. Available to borrowers with low credit scores or hard-to-document income.
• Personal Loans (via Acorn Finance Marketplace) Unsecured personal loans offered through a partnership with the Acorn Finance marketplace, allowing borrowers to compare offers from 20+ lenders for home improvements, renovations, or other purposes. Funds can be available within 1-2 days without impacting the borrower's credit score for pre-qualification.
• Bridge Loans for New Construction Bridge loan solutions designed for builders to help buyers qualify and close on new construction homes, including Buy Before You Sell, Just Missed Bridge Loans, and Avoid EPO Bridge Loans. Keeps construction closings on track when buyers' existing homes have not yet sold.
• Wholesale Mortgage Broker Program A wholesale program allowing mortgage brokers and loan officers to offer Ribbon's bridge loan products to their clients while maintaining the borrower relationship and earning commissions on both bridge and take-out loans. Brokers submit scenarios through intake forms and Ribbon positions itself as never competing with brokers.

Quantifiable outcome

• Loans can close as quickly as a cash transaction
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor.

• Coldwell Banker HeritageminorStrategic or Co-development Partner · 8 June 2022Coldwell Banker Heritage partnered with Ribbon for Ohio market launch in June 2022, enabling real estate agents in the region to offer Ribbon's alternative financing solutions to homebuyers.
• Crye-LeikeminorStrategic or Co-development Partner · 23 May 2022Crye-Leike partnered with Ribbon to launch Power Buyer services in Arkansas in May 2022, providing alternative home financing options to Crye-Leike agents and their clients.
• WeichertminorStrategic or Co-development Partner · 18 March 2022Weichert partnered with Ribbon in Virginia to empower local homebuyers with cash-like financing offers, enabling Weichert agents to compete more effectively in competitive markets.
• Acorn FinanceminorGTM or Marketing PartnerRibbon partners with Acorn Finance to offer personal loans through their marketplace of 20+ national lenders. Customers compare offers through one application with no impact to credit score for pre-qualification. Ribbon receives referral leads from this partnership.

Scale indicators4 records

Recent moves5 records

Direct peers

• Knock: Knock offered the original "Buy Before You Sell" bridge financing product and was the closest direct competitor to Ribbon's flagship program. Now operating within Opendoor following acquisition, Knock pioneered the same timing-arbitrage use case Ribbon addresses for move-up buyers.
• Homeward: Homeward provides cash offers and buy-before-you-sell financing to homebuyers, directly competing with Ribbon's Cash Offer Loan and Buy Before You Sell products. Targets the same customer pain point of timing misalignment between purchase and sale.
• Flyhomes: Flyhomes offers a "Guaranteed Offer" program where it makes cash offers on behalf of buyers, similar to Ribbon's Cash Offer Loan. Serves the same homebuyer segment needing to compete with all-cash buyers in competitive markets.
• Hometap: Hometap offers Home Equity Investments (HEI), directly competing with Ribbon's HEI product. Both provide homeowners cash in exchange for a share of future appreciation, targeting the same equity-access use case for households that don't want monthly payments.
• Point: Point provides home equity investments and has expanded into broader alternative home financing. Directly competes with Ribbon's HEI offering and shares the same customer demographic of homeowners seeking flexible equity access.

Broad incumbents

• Opendoor: Opendoor is the largest iBuyer and has expanded into mortgage and bridge financing via its acquisition of Knock. While primarily an iBuyer, it competes with Ribbon in cash-offer and bridge financing categories with broader geographic reach.
• Better.com: Better is a digital mortgage lender that has expanded into home equity products and offers some bridge-style products. While not a direct bridge lender, it competes for the same customer base seeking digital-first alternative home financing.
• LendingTree: LendingTree operates a marketplace connecting consumers to multiple lenders across mortgage, personal loans, and home equity products. While not a direct bridge lender, it competes for customer acquisition in the broader alternative home financing category.

Emerging players

• EasyKnock: EasyKnock acquired the original Ribbon in 2023 and operates a sale-leaseback model where it purchases the home and leases it back to the homeowner. While the business model differs from Ribbon's bridge loan approach, it addresses similar customer liquidity needs and EasyKnock has direct historical relationship with Ribbon's prior operations.
• Unlock Home Equity: Unlock provides HELOC and home equity financing products, competing with Ribbon's HELOC offering. Targets similar customers seeking alternative equity access with digital-first experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ribbonhome

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds6 records

Investors13 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 Ribbon Home