Aimée Bennett 
Business Financing Beyond the Bank Loan
When she needed more capital to take her fully self-funded nutritional beverage business to the next level, Amy carefully investigated options beyond traditional loans or investor financing. Landing on the idea of a home equity agreement (HEA) through some AI prompting, she dug in and researched the concept.
“I knew I had a lot of equity in my home but didn’t want the monthly payments that would come with a home equity line or credit or home equity loan.” The HEA fit the criteria.
Weighing the Costs
She also quickly determined that an HEA was the financially savvy option for her. For starters, she estimated that the monthly interest payments required with a business loan would be more expensive than an HEA. “And the amount of equity an outside investor would ask for at this early stage of business would be far more than the cost to settle with Unlock when my term ends. I’ll be ready for an investor later, but working with one at this point would be giving away too much potential.”
Beyond Unlock having the most favorable terms for her, Amy says the process of working with the company was professional and transparent. “My experience with Unlock has been amazing,” she stated. “I’m someone who wants to do my own analysis, take time to look through the numbers and make my own decision.”
Amy’s home equity officer (HEO) at Unlock let her do just that. “I didn’t feel rushed at all. My HEO explained everything in detail, and went through different scenarios with terms and amounts,” she says. “He was very responsive and communicative, but never pushy or salesy.”
Moving Forward Without Monthly Payments
“The HEA has helped me move forward and let me get the wheels in motion again,” Amy concluded. “There’s no more distraction and noise around how I was going to get the funds to move to that next level. Now I can just focus on executing and growing the business.”
“I’m now more at peace,” she says. “The HEA has relieved a great deal of anxiety. And I know I’m stable in my home with no worries about monthly payments.”
Today, Amy’s small, thriving business is on the way to becoming a much larger, faster-growing business. She’s fine-tuning and increasing her marketing budget, planning and participating in more events, and moving forward with newfound momentum with funds from her HEA.
“The HEA is providing the money I need now to make more money,” she said. “It’s good for the long-term growth of my business.”
