NEWCaplight raises a $16M Series A, led by BlackRock and Fin Capital →
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Unlock

Unlock

Private
Tempe, ArizonaReal Estate & PropTechhttps://www.unlock.com

Last Round

Debt

Jul 23, 2025

Total Funding Raised

$930M

Company Overview

Unlock is a consumer finance company that helps homeowners access their home equity without taking out a loan by providing cash in exchange for a share of the home's future value, allowing them to pay off debts, make home improvements, and fund education.

Sector

Real Estate & PropTech

Verticals

Real Estate Finance, Lending & Credit, Personal Finance

Business Model

B2C

Customer Profile

Revenue Share, Payment Processing Fee

AI Layer

Non-AI

Keywords

home equity agreementHEAhome equity investmentHEIhome equity accessshared appreciationdebt-free financingHELOC alternativehomeowner financinghome equity agreement securitizationreal estate liquiditydirect-to-consumerorigination fee

Historical Pricing

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Caplight Momentum Score

Proprietary index based on bid/ask volume and sentiment.

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Unlock Comps

Public and private peers based on sector, stage, and business model.

CompanyStatusEst. ValuationRev Multiple
OpenAIPrivate$86.0B~40x
CoherePrivate$5.0B--
Competitor 1Public$XX.XBXXx
Competitor 2Public$XX.XBXXx

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Unlock Funding Rounds

Historical fundraising activity

RoundDateAmount RaisedValuationInvestorsSources
DebtJul 23, 2025
DebtSep 3, 2024
Series BSep 3, 2024
DebtSep 13, 2023
DebtFeb 23, 2023

Key People

Founding team and executive leadership

James Riccitelli

Chief Executive Officer

Executive Team

James White

CTO

Executive Team

Paul Tucker

Chief Operating Officer

Executive Team

Unlock Investors

Notable investors and investment history

Market signals

Structured signals derived from secondary market and firmographic data.

  • Dec 6, 2025

    Added Shutterly Fabulous Ltd, a home goods SMB, as a customer.

  • Oct 28, 2025

    New look and feel rolled out for the Unlock product.

Unlock Filings

SEC and related filings with document metadata.

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Unlock Filings

SEC and related filings with document metadata.

Frequently Asked Questions

Common questions about Unlock's valuation, stock price, and market status.

Firmographic Details

HeadquartersTempe, Arizona
Employee Range198
Year Founded2019
Last FundingJul 23, 2025

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Disclaimer All investments involve risk, including the risk of loss of principal. You should carefully consider your investment objectives, risks, transaction costs and other expenses before deciding to invest in options, swaps or other investments.This does not constitute an offer by Caplight Technologies, Inc. to sell, or a solicitation of an offer to buy, any securities and may not be used or relied upon in connection with any offer or sale of securities. An offer or solicitation can be made only through the delivery of final offering document(s) and purchase agreement(s), and will be subject to the terms and conditions and risks delivered in such documents. Any securities offered are offered through Caplight Markets LLC, member FINRA/SIPC.