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INTERNET | Internet Software & Services / Accounting & Finance

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Founded Year



Loan | Alive

Total Raised


Last Raised

$1.5M | 1 yr ago

About Point Digital Finance

Point provides an alternative to traditional home equity loans and home equity lines of credit. Point buys into a fraction of a consumer's property, paying today for a share of the home's future appreciation. There are no monthly payments, no interest rate, and consumers can buy Point out or sell the home at any time.

Point Digital Finance Headquarter Location

444 High St. Fl 4

Palo Alto, California, 94301,

United States


Latest Point Digital Finance News

Hedge fund invests $150M in home equity startup

Apr 18, 2018

A startup that buys equity in American homes just got its largest financial commitment to date through a $150 million boost from a New York hedge fund, amid rising home prices that are fueling demand for home-equity products. Point Digital Finance Inc. lends capital to people and receives partial ownership in their homes in return. The three-year-old startup targets customers who are seeking an alternative to traditional loans. Atalaya Capital Management, which has about $3 billion in assets under management, will buy as much as $150 million of home-equity investment instruments from Point over the course of three years, the Palo Alto, California-based startup said. “It’s a product that’s good for the consumer and meets an unmet need, especially with banks largely pulled out of the home-equity loan business,” said Raymond Chan, a partner at Atalaya Capital Management. “There are literally billions of dollars tied up into equity of people’s homes they can’t tap, and this gives them an alternative way to tap that.” Point said it has raised more than $15 million in venture capital, including venture debt financing. Co-founders include Chief Executive Officer Eddie Lim, Eoin Matthews and Andreessen Horowitz partner Alex Rampell, who is a board member. Backers include Andreessen Horowitz, former Citigroup Inc. CEO Vikram Pandit and former Airbnb Inc. Chief Financial Officer Laurence Tosi. Bloomberg Beta, the venture capital arm of Bloomberg LP, the parent company of Bloomberg News, also is an investor. In the years before the real estate crash, people used cheap financing to buy homes they sometimes couldn’t afford, then borrowed against their equity as property prices rose. Banks have since tightened credit standards for home-equity lines of credit, which are repaid with interest. Today, rising home values are again fueling demand for home-equity products. Influenced by the venture capital model for startup investing, Point takes a stake in homes they expect to appreciate in value. Customers don’t have to pay back Point for as long as a decade, until they sell, refinance or buy out the stake. The annual effective interest rate is capped at about 15 percent, which is comparable to a credit card. Point said it has invested in about 100 homes across California, Washington, Oregon, Massachusetts and Colorado, with plans to expand in additional areas this year. The homes that Point has invested in are, on average, valued at just more than $1 million, and its stake is, on average, $87,000. The company makes money from a 3 percent processing fee from customers, a servicing fee from the investors, and a slice of profits if the home gains in value when the homeowner sells or buys back. Point shares in the loss if the home depreciates enough in value. Like this article? Gain access to all of our great content with a month-to-month subscription. SPECIAL:  Start your subscription  with our low intro rate of just $14.95. Share this:

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Research containing Point Digital Finance

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CB Insights Intelligence Analysts have mentioned Point Digital Finance in 1 CB Insights research brief, most recently on Sep 3, 2020.

Expert Collections containing Point Digital Finance

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Point Digital Finance is included in 6 Expert Collections, including Real Estate Tech.


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