Clay Financial gives Canadians a smarter way to unlock their home equity. We launched the first Home Equity Sharing Agreement (HESA) in Canada, giving you cash today in exchange for a share of your home's future value with a flexible term up to 25 years. No debt. No loans. No monthly payments.

Because a HESA isn't a loan, there’s no compounding interest that can eat away at your hard-earned equity. Instead, we share in the ups and downs of your home’s value. When it grows, we both win. It's that simple.

We help Canadians achieve their goals without taking on debt or selling the homes they love. Our homeowners  use HESAs for priorities like eliminating high-interest debt, helping loved ones buy a home, boosting retirement income and completing renovations. We’re  improving financial stability across Canada by reducing household debt, closing the retirement gap and making everyday living more affordable.

You worked hard for your equity. You deserve better options for using it. We’re building alternative finance solutions that put homeowners first. We are your partner in home equity.

Clay Financial

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