Clay Financial

Clay Financial is reshaping home equity in Canada. We help homeowners tap into their home equity without taking on debt or selling their home. We believe homeowners deserve smarter options to access their hard-earned equity. We're driving innovation at the intersection of finance, technology and real estate to build a new generation of alternative financial solutions that put homeowners first. Our Home Equity Sharing Agreement (HESA) is the first of its kind in Canada, allowing homeowners to convert some of their equity into cash in exchange for sharing in their home's future value. With no monthly payments and no risk of eroding existing equity, a HESA is a flexible alternative to traditional debt products like home equity lines of credit and reverse mortgages. Our HESA delivers benefits that improve financial stability across Canadian society by reducing household debt, closing the retirement gap and improving home affordability.