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

Unlock

Private
Tempe, ArizonaFinTechhttps://www.unlock.com/

Last Round

Debt

Jul 23, 2025

Total Funding Raised

$930M

Company Overview

Unlock is a consumer finance company that provides home equity agreements (HEAs) allowing homeowners to access cash in exchange for a share of their home's future value.

Sector

FinTech

Verticals

Lending & Credit, Real Estate Finance, Personal Finance

Business Model

B2C

Customer Profile

Revenue Share, Services & Consulting

AI Layer

Application

Keywords

home equity agreementHEAhome equity financinghome equity releasereverse mortgage alternativeequity trapdebt consolidationsecuritizationautomated valuation modelAVMalternative lendingnon-recourse loanhomeowner liquidityAI chatbotproperty appreciation share

Historical Pricing

Historical view of private secondary pricing and transaction trends.

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Caplight Momentum Score

Proprietary index based on bid/ask volume and sentiment.

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Unlock Comparables

Compare Unlock with similar companies based on industry and business-model similarity.

Unlock comparables — related companies by embedding similarity
CompanySimilarityMarket Cap
Unison
93%
Hometap
93%
Point Digital Finance
92%

Unlock Funding Rounds

Historical fundraising activity

Data table
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.

Data table
TypedDateAmount OfferedAmount SoldFillingPagesDownload
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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 Range196
Year Founded2020
Last FundingJul 23, 2025

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