You already have the customer. We have everything that comes after.
A Platform Partner introduces homeowners to Barastone’s Home Equity Agreement and does nothing else. No capital, no application intake, no underwriting, no compliance infrastructure, no balance-sheet exposure.
Your role ends at the introduction. Ours starts there.
Who carries what, line by line. The third column is the reason a trade business can do this without becoming a lender.
You
Your role begins and ends here.
- Introduce the homeowner
- Share Barastone-approved materials
- Use your tracked link or branded page
Barastone
Everything past the introduction.
- Application intake
- Property valuation
- Investment review and eligibility
- Consumer disclosures, state by state
- Closing and e-notary
- Funding
- Servicing for the full Investment Period
- Settlement at sale, refinance or term end
Nobody asks you to
The reason a trade business can do this at all.
- Fund any part of the agreement
- Carry balance-sheet exposure
- Take an application
- Collect, store or transmit homeowner financial data
- Make an eligibility or investment decision
- Negotiate terms with the homeowner
- Operate compliance or servicing infrastructure
Pick the page written for your business.
Same mechanism, same obligations, same agreement. Different trigger, different deal size, different industry pressure.
Solar & home energy
The customer wants the system and cannot qualify for a solar loan, or the quoted rate makes the payback maths stop working.
Read the caseHome improvement & renovation
The homeowner wants the work, has been through design, and does not qualify for a home equity loan. An unsecured home improvement loan is capped and priced in a way that kills the project economics.
Read the caseReal estate professionals
A client wants to sell, but the house needs work they cannot fund. Or they want to stay, and the only tool anyone has offered them is a listing agreement.
Read the caseMortgage & lending professionals
A member or borrower applies for a HELOC, home equity loan or cash-out refinance and is declined on credit score, debt-to-income, or self-employment income.
Read the caseFinancial, wealth & insurance advisors
A client needs liquidity for a goal in the plan, and the balance sheet says the money is in the house. Every conventional route adds debt service or triggers a sale.
Read the caseWhat the introduction is worth to your customer.
An option most homeowners do not know exists, delivered by someone else, with the relationship staying yours.
Eligibility centred on the home
Barastone reviews the property and its equity position rather than requiring a minimum credit score.
A ceiling on the cost
The maximum cost is subject to a homeowner protection cap of no more than 20% annualized, regardless of future home value.
They keep the house and the decisions
Full ownership and control stay with the homeowner. They make every decision about the property.
No monthly payments
The homeowner receives investment proceeds and makes no monthly payments during the Investment Period.
Across roughly 54,000 agreements originated between 2015 and 2025 by the three largest providers, 21% funded home improvement — the second most common use after paying down debt. The work your customers cannot fund is already what this product is most often used for.
Urban Institute, February 2026
Straight answers.
- Do I need a licence to participate?
- A partner operating solely as a marketing and lead-generation trade or service provider is not required to hold a licence. If you hold a mortgage, real-estate, advisory or insurance licence, you may participate under additional neutrality and disclosure requirements set out in your agreement.
- Do I take applications or collect financial information?
- No. You never take an application and never collect, store or transmit homeowner financial data. Homeowners provide all of their information directly to Barastone on Barastone’s platform.
- Can I brand the page to my business?
- Yes. Your hosted page, embed widget and tracked link can carry your logo, colours and company name, while the required consumer disclosures stay platform-locked and cannot be edited.
- Who talks to my customer, and when?
- You make the introduction. From the moment the homeowner reaches the application, Barastone handles intake, valuation, investment review, disclosures, closing and servicing. Barastone does not market other products to them and does not run consumer acquisition against your customer list.
- What if my customer is declined?
- Eligibility centres on the home rather than on a credit score, but not every homeowner qualifies and Barastone makes that decision. You carry no part of it, and no obligation follows from a decline.
- Does TILA or RESPA apply to me because of this?
- The Urban Institute records that agreements of this kind are not subject to the Truth in Lending Act or the Real Estate Settlement Procedures Act, because they are not considered credit under TILA. Federally they are subject to the Fair Credit Reporting Act, the Federal Trade Commission Act, the Fair Housing Act, parts of Gramm-Leach-Bliley, and the prohibitions on unfair, deceptive and abusive acts and practices. State treatment varies, and a number of states apply mortgage-loan rules; the states relevant to your agreement are set out in it.
- Is this a loan I am introducing?
- A Home Equity Agreement is a purchase of a partial interest in the future value of the property. Barastone makes an upfront payment to the homeowner in exchange for a contractual right to a percentage of the home’s value at settlement, calculated using the Settlement Multiplier in their agreement. A security interest is recorded against the property, and a Final Settlement Amount falls due at the end of the Investment Period or on sale or refinance.