Point

Access cash through home equity partnerships

Palo Alto, California, United States

About Point

Point.com provides financial services that allow homeowners to access cash by leveraging their home equity without the need for monthly payments, income verification, or a perfect credit score. Their model is based on partnerships, meaning they do not take ownership of the home but instead share in its value when the homeowner sells, buys back equity, or refinances. This approach enables homeowners to maintain full control of their property while accessing funds for debt elimination, large expenses, or personal projects. Point.com distinguishes itself from competitors through its focus on customer service, receiving positive feedback for its efficient processes and responsiveness. The company's goal is to offer flexible financial solutions that empower homeowners to achieve financial freedom.

Palo Alto, CaliforniaHeadquarters
2015Year Founded
$141.5MTotal Funding
DEBTCompany Stage
Fintech, Financial ServicesIndustries
201-500Employees

Benefits

Competitive compensation
Medical, dental, & vision premiums
FSA & HSA
Flexible remote & onsite work policy
Unlimited PTO
Parental leave
401(k)
Cell phone stipend
Internet stipend

Risks

Rising interest rates may make traditional refinancing more appealing than Point's offerings.
Job cuts at Point Digital Finance suggest possible financial instability.
Increased competition in the home equity market could impact Point's market share.

Differentiation

Point offers home equity access without monthly payments or income requirements.
The company operates on a partnership model, not adding itself to home titles.
Point's focus on customer service is highlighted by positive Trustpilot reviews.

Upsides

Increased interest in fractional home ownership boosts demand for Point's solutions.
Partnership with Prudential Financial enhances Point's credibility in the industry.
Rising home values in key markets make Point's equity model attractive.