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Equidy is a private money / hard money real estate lender based in California, USA. It primarily serves real estate entrepreneurs, fix-and-flip investors, rental property investors, and developers. It is not a payment gateway or acquiring platform; instead, it provides fast and flexible financing solutions for real estate projects in California.
Its main products include Fix and Flip Loan, Rental Loan, refinancing, and portfolio loans for rental properties with 5 or more units. The website highlights “high approval rates,” “one-time underwriting,” “fast funding,” and “no application fees.” In terms of process, users can apply online in just a few minutes, and may also complete pre-qualification and prepare documents before identifying a specific project. Processing can be as fast as 7 days, after which the transaction moves to the title company for signing and closing. Its service area is clearly limited to California, with particular long-term experience in the San Francisco Bay Area, and it does not support projects in other states.
Pricing transparency is limited. The site states that online applications are free, there is no application fee, and borrowers have no obligation before accepting loan terms and signing a commitment letter. However, it does not publicly disclose interest rates, points, service fees, or prepayment costs. For refinancing, Fix-and-Flip and Rental Loan products can go up to 65% LTV. Payment information is also limited: it only mentions that after the lender receives borrower payments, funds are held for 5 days before being credited to the Equidy account, and lenders can withdraw online via ACH. On compliance, the text states that Dan Dianda is a broker registered with the California Department of Real Estate and NMLS, responsible for loan origination and funding, but no license numbers are disclosed.
Its strengths are a focused California local-market approach, a team with experience in real estate, construction, and loan servicing, and support for more flexible scenarios such as BRRR, refinancing, and cross-collateralization. Its drawbacks are the lack of public detail on rates and fees, limited disclosure of risk-control standards, and a very narrow geographic footprint. It is better suited to California real estate investors who need fast capital, and not suitable for businesses looking for general payment processing, cross-border collection, or merchant acquiring services.
The content does not provide information on access from mainland China, account opening, or cross-border payments, so its accessibility can only be assessed as unknown. For Chinese users looking for payment or financial tools, Equidy is not a fit; depending on the use case, alternatives such as Stripe, PayPal, Airwallex, or PingPong may be more relevant for payments or cross-border collection.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on equidy.com official site.
equidy.com is an United States Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach equidy.com directly.