Equisset

What Equisset does

Equisset is a privately held, direct-to-consumer asset-based lending company that provides financing and capital solutions to property owners, small business owners, self-employed individuals, and entrepreneurs who are unable or unwilling to obtain funding through traditional banks. The company's core premise is that loan decisions should be evaluated against the equity in real estate owned by the borrower rather than against credit history, tax returns, financial statements, or employment status. This positions Equisset as a direct alternative to mainstream bank lending for customers who either lack documentation or have non-traditional profiles.

The company offers an eight-product portfolio that addresses distinct use cases: Quick Cash (rapid capital access), Routine Expenses (a real-estate-secured line of credit for recurring purchases), Guaranteed Sale Program (assured property purchase), Small Business Owner (asset-based business financing), Business Continuation (a builder program for payroll financing during cyclical downturns), Opportunity Purchase (joint-venture property acquisitions with profit sharing), Sell Directly (purchase of existing owner carry notes), and the Assured Replacement Property (ARP) Program (a tax-deferral solution that helps sellers meet IRS 45 and 180-day reinvestment requirements). The underlying technology is an asset-evaluation methodology that focuses on real estate equity rather than credit metrics, paired with a standardized loan-closing process targeted at 30 days or less, compared to the 60-90 day timelines typical of banks.

Equisset generates revenue through interest on loans, origination fees, and transaction-based charges on its lending products, supplemented by note purchasing and profit-participation arrangements on opportunity purchases. The go-to-market is direct-to-consumer through a single corporate website with solution-specific landing pages, supported by SEO targeting alternative-financing and self-employed lending queries. Pricing is quote-based and not publicly disclosed, reflecting the customized nature of asset-based lending. The company is privately held, with no funding rounds, leadership disclosures, partnerships, awards, certifications, or geographic-operations data on record. No app, API, or third-party integrations are present.

Name

Equisset

Legal name

Equisset

Website

https://equisset.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Equisset is a private, direct-to-consumer asset-based lender that provides real-estate-secured financing to property owners, self-employed individuals, small business owners, and entrepreneurs who cannot access traditional bank credit, offering eight solutions from quick cash to tax-deferral reinvestment programs.

Ownership category

akta.pro rank

Product category

Alternative Asset-Based Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

akta.pro secondary industry

Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Asset-based lending
• Real estate lending
• Alternative financing
• Small business lending
• Note purchasing services

Headquarters

HQ city

Wichita

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset-Based Lending: Equisset provides financing solutions secured by real estate equity. They earn revenue through interest on loans, origination fees, and transaction-based charges. The company offers various financial products including lines of credit, quick cash advances, and note purchasing.
2. Note Purchasing: Equisset purchases owner carry notes from property sellers who want to cash out quickly, generating revenue through the acquisition and subsequent management or resale of these financial instruments.
3. Opportunity Purchase Partnerships: Equisset partners with entrepreneurs to purchase opportunities upfront and share gains, generating returns through profit participation on successful deals.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Equisset provides asset-based financial solutions secured by real estate equity, including quick cash advances, lines of credit for routine expenses, a guaranteed home sale program, small business financing, business continuation (payroll) financing, opportunity purchase partnerships, owner-carry note purchasing, and the Assured Replacement Property (ARP) tax-deferral program. Decisions are made based on the equity in a customer's real estate rather than credit history, tax returns, or employment status, enabling closings within 30 days, sometimes as fast as one week.

Product overview

Equisset is an asset-based financial services company offering a unified platform of eight lending and investment products designed for property owners and business operators who do not fit traditional bank criteria. The core portfolio includes: Quick Cash (rapid capital access), Routine Expenses (recurring line of credit), Guaranteed Sale Program (assured home sale), Small Business Owner financing (asset-based business loans), Business Continuation (builder program for payroll financing), Opportunity Purchase (joint venture property investment), Sell Directly (note purchasing), and the Assured Replacement Property (ARP) Program (tax-deferral reinvestment tool). These solutions are unified by Equisset's asset-based lending approach that evaluates real estate equity rather than credit history.

Differentiator

Problem solved

Functional benefit

Products and services

• Quick Cash Fast capital access solution for individuals who need money urgently, bypassing the traditional bank loan process and using real estate equity as the basis for the advance.
• Routine Expenses

Quantifiable outcome

• Loan processing time reduced to 30 days or less compared to 60-90 days for traditional banks

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Direct peers

• Lima One Capital: Specialty asset-based lender for real estate investors and homeowners offering fix-and-flip, rental, and residential lending products. Highly comparable to Equisset's real-estate-equity-based lending approach and speed-oriented positioning.
• Patch of Land: Real estate crowdfunding and asset-based lending platform focused on short-term, collateral-secured real estate loans. Comparable asset-based underwriting and customer base to Equisset.
• Newfi: Non-QM and asset-based mortgage lender serving borrowers who do not fit traditional bank or agency criteria. Directly comparable underserved target market and asset-based underwriting philosophy.
• Visio Financial Services: Asset-based lender providing real estate-secured loans to individuals and investors. Operates a similar collateral-focused, speed-focused model to Equisset.
• Groundfloor: Real estate investment and lending platform offering asset-backed financing to individual real estate investors. Overlaps with Equisset on equity-based underwriting and direct-to-investor distribution.
• Fund That Flip: Asset-based lender to residential real estate investors and developers with a digital application process. Comparable product focus and target borrower to Equisset's Small Business Owner and Opportunity Purchase offerings.
• Kiavi (formerly LendingHome): Tech-enabled asset-based lender for residential real estate investors with a product suite spanning bridge, fix-and-flip, and new construction loans. Directly comparable to Equisset in using property equity as the primary underwriting input.

Emerging players

• Hometap: Home equity investment company allowing homeowners to tap equity without monthly payments. Comparable to Equisset's Routine Expenses line of credit and broader use of home equity as a financing tool.
• Unlock: Home equity financing provider offering HELOC-like products based on home equity value. Comparable target borrower (homeowners seeking fast, equity-driven financing) to Equisset's Quick Cash and Routine Expenses.

Broad incumbents

• Figure Technologies: Fintech lender offering home equity lines of credit and asset-based digital loan products at scale. Adjacent competitor with a much broader product set and stronger digital distribution than Equisset.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/equisset

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Equisset