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Answer a few quick questions to see what you qualify for. No hard credit pull, and a decision in days, not weeks.
Your Home Equity.
Activated.
A Home Equity Investment can provide you up to $300,000 with no debt.
Not a traditional loan. Not refinancing. It’s a belief in yourself. Leap can unlock the wealth you’ve already accumulated and help create financial mobility through a Home Equity Investment. And there are no monthly payments, no interest, and no burden. You simply repay the investment plus a share of the home's appreciated value at or before the end of the term.
Cash unlocked
Up to $300,000
Based on your home's appraised value and verified equity.
Monthly cost
$0 per month
No monthly payments. Your budget stays unchanged.
Interest rate
None
No interest accrues. You share a portion of future appreciation with the Investor.
Decision speed
Days, not weeks
A fully automated pre-qualification in under two minutes.
How a Home Equity Investment from Leap works.
Receive cash
Take a lump sum of up to $300,000, deposited directly to your account after closing.
Repay when you're ready
When you sell your home, refinance, or reach the end of the term, you repay the original amount plus a share of your home's appreciated value.
Three solutions — built to help you achieve your dreams.
Unlike a traditional HELOC, which takes a one-size-fits-all approach, Leap has built three distinct products, each suited to the unique needs of our customers.
For homeowners who want to increase their credit score and reduce high-interest debt.
- Funding range $30k–$200k
- Term length Up to 10 years
- Designed for Debt consolidation
- Credit floor Flexible
For small business owners who need working capital to fund their enterprise.
- Funding range $50k–$300k
- Term length Up to 10 years
- Designed for Business funding
- Funds available At close, in full
For homeowners approaching retirement who want to turn equity into cash flow.
- Funding range $50k–$300k
- Term length Up to 30 years
- Designed for Retirement runway
- Age preference 55+
How does a Leap HEI compare?
Home Equity Investments work very differently than traditional loans, and are underwritten using different criteria. This allows Leap to work with customers whose credit profile might fall outside a traditional bank's requirements.
| Leap HEI | HELOC | Cash-out refi | Personal loan | |
|---|---|---|---|---|
| Monthly payments | None | Yes | Yes | Yes |
| Interest rate | None | Variable | Fixed | Fixed or variable |
| Adds debt to balance sheet | No. Structured as an equity investment, not a loan, under Leap's agreement. | Yes | Yes | Yes |
| Credit score impact | Minimal | Hard pull | Hard pull | Hard pull |
| Repayment trigger | Sale or end of term | Monthly | Monthly | Monthly |
| Maximum amount | Up to $300,000 | Varies by lender | Varies by lender | Typically < $100k |
| Decision speed | Fast, automated | 2–6 weeks | 4–8 weeks | Days to weeks |
| Income / employment requirement | Flexible | Required | Required | Required |
Ready when you are
The wealth you've built deserves to work for you.
Have you been declined by other lenders? Are you unsure of the best product? Do you need cash for retirement? A business? To repair your credit? Whatever your situation — if you’ve built equity in your home, then Leap has a path forward for you.
No monthly payments. No debt. No appraisals. And no waiting.
Leap Analytics, Inc. Home Equity Investments are not traditional loans. Available in select states. Investment terms vary by agreement.