Ribbon Home
- Company typePrivate
- Founded2017
- HeadquartersDallas, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Ribbon Home firmographics
Firmographics- 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
Ribbon Home industry classification
Industry- 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
Where Ribbon Home is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Ribbon Home business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | All Bridge Loan Programs - 1.0% to 1.5% origination fee |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Ribbon Home product offering
Product offeringCore 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
Companies that use Ribbon Home
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Ribbon Home technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Ribbon Home partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- Coldwell Banker HeritageminorColdwell 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-LeikeminorCrye-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.
- WeichertminorWeichert 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 FinanceminorRibbon 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
Ribbon Home competitors and assessment
Company assessmentDirect 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
Ribbon Home social profiles
Digital presenceRibbon Home financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ribbon Home leadership team
Management profileNumber of profiles
Ribbon Home funding detail
Funding detailFunding overview
Funding rounds6 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ribbon Home M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ribbon Home
What does Ribbon Home do?
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.
Is Ribbon Home a public or private company?
Ribbon Home is a private company. It is classified as corporate owned and is currently operating.
When was Ribbon Home founded?
Ribbon Home was founded in 2017. It employs 11 to 50 people.
Where is Ribbon Home based?
Ribbon Home is headquartered in Dallas, United States, in the North America region.
How does Ribbon Home make money?
Three revenue lines are on record. Origination Fees are the primary driver. The others are lender Fees and partner Referrals (Personal Loans).
Who are Ribbon Home's main competitors?
Direct peers on record are Knock, Homeward, Flyhomes, Hometap and Point. Broad incumbents are Opendoor, Better.com and LendingTree. Emerging players are EasyKnock and Unlock Home Equity.
Does Ribbon Home have an API?
No public API is recorded for Ribbon Home.
What industry is Ribbon Home in?
Ribbon Home's product category is Alternative Home Lending. Its primary akta.pro industry code is FSAKAMAJ, Bridge Loans & Emergency Short-Term Credit, with a secondary code of FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance). Its NAICS code is 522310 and its SIC code is 6163.