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Probate takes 16 to 20 months on average. During that time, heirs have no access to the assets they are legally entitled to. Bills accumulate. Opportunities pass. The current inheritance advance market charges 30 to 40 percent — predatory rates for a structurally simple transaction.
Clarity Finance is a marketplace for inheritance advances. Heirs submit documentation. The Clarity Score — our proprietary underwriting engine scored 1 to 100 — assesses the estate's risk profile across domicile, asset type, documentation quality, probate stage, and complication factors. Verified deals are listed on the marketplace. Accredited lenders bid competitively. Rates land at 12 to 20 percent — half what incumbents charge — with 10 to 20 times collateral coverage.
Clarity is currently finalizing a CEO search and bringing on a lead seed investor. The platform is built. The scoring engine is operational. What follows is capital deployment.
Source: Cerulli Associates, "U.S. High-Net-Worth and Ultra-High-Net-Worth Markets 2023." $62T+ from UHNW households representing 2% of U.S. population.
02 / 14Scored 1 to 100. Higher scores indicate lower risk and qualify for better rates. Each transaction processed improves the model — the data flywheel compounds with volume. Purpose-built for asset-backed, non-recourse lending.
Margaret Richardson passes away in California, leaving a $3.2M estate — primary residence ($1.8M), investment accounts ($900K), personal property ($500K). Her daughter Sarah is the sole beneficiary. Probate is filed. Estimated timeline: 18 months.
Sarah needs $200,000 to cover estate taxes, maintain the property, and bridge living expenses. The Clarity Score assesses the estate at 78 / 100 — strong asset verification, clean documentation, single beneficiary, favourable jurisdiction.
| Estate Value | $3,200,000 |
| Advance Amount | $200,000 |
| Advance-to-Value | 6.25% |
| Collateral Coverage | 16× |
| Winning Bid Rate | 13.5% |
| Disbursement | $40K now, $40K quarterly |
Non-recourse. The estate repays — not the heir personally. If the estate is worth less than expected, the lender's loss is capped at the advance amount. Staged disbursements (20% immediate, 80% quarterly) limit exposure throughout probate.
Escrow-protected. All funds held in third-party escrow. Neither party handles cash directly. Repayment is automatic from estate distribution upon probate close.
Known RisksPrivate credit on existing assets — while the estate holder is still alive. Clarity Secure enables heirs to access a portion of their expected inheritance today, backed by verified estate assets. For a wealth advisor, this turns one client into two: the estate holder remains a managed relationship, and the heir becomes an active borrower with structured capital needs.
Money today is worth more than money in 15 years. An heir waiting on a $5M estate has zero access to that capital while the estate holder is living. Clarity Secure unlocks 5–8% of verified asset value now — structured as an annuity with meaningful tax advantages.
The advance can be structured as a loan against the estate, not a distribution. Interest on monthly payments is deductible. The estate holder gifts the proceeds to the heir via structured annuity — potentially below the annual gift tax exclusion threshold, sheltering the transfer from estate tax. The heir gets capital. The estate gets a deduction. The portfolio stays intact.
If the estate holder has not passed within 5 years of the advance, the agreement must be re-underwritten and renewed. The Clarity Score is recalculated against current asset values, updated documentation, and any changes in estate structure. This protects lenders from indefinite duration risk and ensures the collateral basis remains sound.
| Estate Holder | Living, age 82 |
| Verified Assets | $5,200,000 |
| Advance (6% of assets) | $312,000 |
| Rate | 17.5% p.a. |
| Disbursement | $47K now, $26K quarterly |
| Duration | Up to 5 years (re-up required) |
| Consent | Heir + Estate Holder + Clarity |
Pre-probate inheritance advances are a near-empty field. The few players in market:
No known competitor offers pre-probate advances with institutional scoring infrastructure. Clarity Secure is a category of one.
A $1.83B market globally. Homeowners 62+ borrow against home equity via FHA-insured HECMs. Families already use these to access estate value early — but they're the wrong instrument.
The obvious idea: take a HELOC against the inherited property. In practice, it doesn't work for the exact scenario where heirs need liquidity most.
Neither tool solves the core problem: an heir who needs liquidity during probate, before title transfers, whose creditworthiness is irrelevant to the value of their inheritance.
Sources: FTC Consumer Advice, CFPB, Grand View Research ($1.83B reverse mortgage market, 2023). HELOC data: Bankrate, Experian, Federal Hill Mortgage.
06 / 14| Company | Effective APR | Notes |
|---|---|---|
| Inheritance Funding Co. | Opaque (flat fee) | Largest player, 20+ years |
| Probate Advance LLC | Predatory | MD AG forced $2.7M restitution |
| TriMark Legal Funding | Undisclosed | Lawsuit funding side business |
| Inheritance Advanced | 10–40% flat fee | Lead-gen affiliate model |
| My Inheritance Cash | Disputed | Accused of double-collecting |
| Probate Cash | Undisclosed | Standard flat-fee model |
Effective APRs across the industry range from 36% to 490%, averaging 87%. One in four transactions had triple-digit APRs. The average beneficiary gives up nearly half of what they would have inherited. No probate lender in the study suffered a loss or merely broke even.
Zero. No VC-backed company has entered inheritance/estate lending. Every existing player is privately funded, small-to-mid-size, and operating without scoring infrastructure. $52B went into financial services VC in 2025. None of it went here.
Phase 1: Marketplace. Clarity launches as a two-sided marketplace connecting heirs with accredited lenders. Competitive bidding drives rates down to 12–20% — half the industry standard. Every transaction generates structured data: asset type, jurisdiction, documentation quality, outcome, timeline accuracy.
Phase 2: Institutional lender. Once we have sufficient deal volume and default history, the data positions us to bring on a dedicated institutional lending partner. The Clarity Score becomes the underwriting standard for the asset class — the equivalent of a FICO score for estate liquidity. The marketplace proves the model. The data earns the institutional relationship.
Competitive displacement. Legacy players (Inheritance Funding Co, Probate Cash, Inheritance Advanced) fund their own books at 30–40%. No marketplace. No scoring infrastructure. No institutional capital. Clarity Finance brings institutional discipline to a market that has operated like a pawn shop.
Clarity Finance is currently finalizing CEO search and lead seed investor. Platform is built. Scoring engine is operational.
08 / 14Building the Clarity Score required solving a hard problem: real-time creditworthiness assessment for non-traditional collateral. The engine scores across domicile, asset type, documentation quality, and risk factors — none of which depend on a FICO score.
That same engine applies to another market where traditional credit infrastructure doesn't exist: user acquisition financing for industries that banks won't touch.
One scoring engine. Two structurally underserved markets.
Same data flywheel. Different collateral.
Revenue-based financing works. Companies like Clearco ($1.16B raised), Wayflyer ($553M), Pipe ($437M), and Uncapped ($368M) have proven the model for e-commerce and SaaS. Spring does it for CPG inventory. Braavo has deployed $2B+ for mobile apps.
None of them can serve vice industries. Clearco explicitly excludes cannabis, gambling, tobacco, and vaping. Wayflyer restricts firearms, pornography, and nicotine. Pipe depends on Stripe, which blocks high-risk MCCs. Uncapped's capital comes from Fortress and Lloyds — both carry institutional vice clauses. The capital partners won't allow it.
Banks can't do it either. Cannabis is federally Schedule I — banks must file SARs on every transaction. Visa/Mastercard fine acquirers $25K–$100K per MCC violation. Card networks now deploy AI to catch miscoded merchants. The structural barrier is regulatory, not reputational — and it's not going away.
| Capital Deployed | $150,000 |
| Factor Rate | 1.30× |
| Total Repayment | $195,000 |
| Repayment Method | 10% of gross revenue |
| Funding Speed | 2–5 business days |
| Credit Check | None |
| Personal Guarantee | None |
Plaid integration pulls bank transaction data and verified revenue directly. Ad platform APIs verify channel spend, ROAS, and CPA in real time. Structured as purchase of future receivables — not a loan. No usury risk. No lending licence required.
Sources: Clearco restricted list (clear.co), Wayflyer prohibited products (wayflyer.com), Pipe/Stripe MCC restrictions, Uncapped capital partners (Fortress/Lloyds). FinCEN BSA marijuana guidance (2014). Visa VIRP Tier 1 classification.
10 / 14We have a strategic relationship with Slushy, a US-domiciled creator economy platform based in Miami, Florida. Founded in 2020, Slushy closed a $10.2M seed round in 2024 — the first venture-backed adult content platform in history. Investors include Mantis VC (The Chainsmokers), Electric Feel Ventures, Jon Oringer (ex-Shutterstock CEO), and Sean Rad (Tinder co-founder).
Slushy currently spends $300,000 per month on user acquisition — paid social, programmatic, influencer, and affiliate. Strong ROAS. Consistent revenue trajectory. Venture-backed. Exactly the borrower profile the Clarity Score is built to evaluate.
Despite proven unit economics and institutional backing, Slushy cannot access conventional UA financing. Every revenue-based lender they've approached — Clearco, Wayflyer, Uncapped — carries vice clauses that prohibit adult entertainment exposure. The business is funded, profitable, and growing. The capital is artificially constrained by policy, not performance.
The pilot facility validates the underwriting model with live capital at scale. Known counterparty. Verified revenue. Existing relationship. The $500K pilot builds the track record required for a $5M to $10M institutional raise — diversifying across borrowers and verticals.
Source: Slushy $10.2M seed (PR Newswire, June 2024). First venture-backed adult content platform (VentureBeat). Pilot phase carries concentration risk, mitigated at scale via borrower diversification.
11 / 14| Deployed Capital | $500,000 |
| Fee per 90-Day Cycle | 8% fixed |
| Cycles per Year | 4 |
| Gross Fee Revenue | $160,000 |
| Less Defaults (2%) | ($40,000) |
| Less Preferred Return (10%) | ($50,000) |
| Net Distributable Profit | $70,000 |
| Railed (66.7%) | $46,700 |
| Partner (33.3%) | $23,300 |
| Partner Preferred Return | $50,000 |
| Partner Total Annual Return | $73,300 |
| Partner Return on Capital | 14.7% |
Structured as purchase of future receivables — not a loan. Removes usury and lending licence risk. Successful pilot unlocks institutional raise.
Net partner ROC on $500K pilot. LP structure. 10% preferred return. Quarterly distributions. Path to $5–10M facility.
$350B+ in annual revenue. Zero institutional lending infrastructure. Cannabis brands spend 75% less on marketing than CPG — not by choice, by constraint. The capital vacuum is structural. The window is now.
Sources: Fortune Business Insights (cannabis), GII Research (iGaming), SkyQuest (adult entertainment), Globe Newswire (alcohol e-commerce), OFStats (OnlyFans), MG Magazine (cannabis marketing spend).
13 / 14All figures are indicative and based on current deal flow and term sheet economics. This document is confidential and prepared exclusively for prospective partners.