Traditional banks don’t address the loan needs of trusts, estates, conservators, and non-traditional borrowers.



We work hand-in-hand with attorneys to create liquidity for Trusts, Estates and Probates


About HCS Equity

For more than 15 years we have used our own capital to provide trustees, beneficiaries, administrators, trust and estate attorneys, fiduciaries, guardians and conservators specialized financing. We are focused on being a financial resource for trusts and estates experiencing liquidity shortages, and specialize in loans for the purposes of equalization and distribution to take advantage of the property tax savings under the Proposition 58 and 193 exclusion from reassessment. Proposition 19, which affects those with a date of death on or after February 16th of 2021, created a far narrower property tax exclusion for inherited properties. To learn more about Proposition 19 and whether it affects you or your loved ones, visit our California proposition 19 page.

We work directly with the trustee or executor of an estate and/or their attorneys to quickly create liquidity, in order to solve financial problems and to fund buyouts of heirs and other beneficiaries. With HCS loans, we can help provide emergency funds, stop foreclosure, or almost any other conservatee need such as taxes, medical expenses, property repair/rehabilitation, or disposition.

As each estate has particular needs, our HCS lending process ensures we work to customize specific solutions that best fit the situation.

beautiful Victorian painted ladies homes – best trust loans California
two men in a business meeting – HCS loans

What Makes HCS Equity Different?

Our private real business loans for estates and trusts business is driven entirely by referral, and when you call, it rings directly to our cell phones. Unlike many other companies, you are speaking directly with the final decision makers, as every transaction funds with our personal capital and that of a small investor group. While we can lend on both large and small transactions, we intentionally keep the business personal and believe that old-fashioned human contact is the best way. We are conservative, old-fashioned lenders operating out of Carmel Valley, and we serve all of California.

What do other people say about HCS Equity?

This is for anyone considering working with HSC Equity. My family just closed on a loan with the managing partner, Ben Heilig. He was extremely professional, kind and very patient with our endless questions and concerns. We highly recommend Ben to work with and enjoy the same professional experience we had.

— Gary and Kathy R., Redondo Beach, CA

I appreciate your patience and understanding during the long time period it took to get everything in place to execute our Trust Loan. You’ve been very helpful guiding me through the process and making sure that the loan went smoothly once we started the process. I will gladly recommend your company to anyone needing a trust loan. It’s been a pleasure working with you, too.

— Ruth K., Stockton, CA

Thank you for taking the time to explain the trust lending process in detail, and for walking me through each step from start to finish. Your detailed explanations, and willingness to field any and all of our questions is greatly appreciated.

— Randy P., San Diego, CA

Read more testimonials

Looking to get started?

Call us today if your attorney has advised you to seek out a 3rd party loan to preserve your parent’s or grandparent’s Proposition 13 tax base. We are a direct lender, which allows us to make quick approval decisions, and provide funding in as little as 7-10 days.

Schedule a Call Today

Contact us to create a plan.

With the passing of Proposition 19, there are countless unanswered questions regarding its implementation. Who still qualifies for Prop 58 and Prop 193? Who will be subject to rules and limitations of Prop 19? We are well equipped to field your questions and guide you through the process. HCS Equity is prepared to provide a third-party loan to a trust or estate to assist with the equalization, backed by plenty of capital and resources available to get these transactions completed. To learn more about Proposition 19 and how it affects you or your clients, contact HCS Equity at 877-427-9820.

We will continue to update our website as new developments regarding Proposition 19 become available. Want to receive updated on Proposition 19 new developments?

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