Investor Frequently Asked Questions

Below are some of the Frequently Asked Questions we receive about our investments –– and our Frequently Supplied Answers.

  1. What is the minimum amount I can invest?
  2. What are the requirements for investing with Equity Bancorp, Inc.?
  3. What is the average annual interest rate offered to investors?
  4. How will I receive my monthly interest payments?
  5. What is the average investment term?
  6. Is this a limited partnership, REIT or mortgage pool?
  7. How secure is my trust deed investment?
  8. Have any Equity Bancorp, Inc. investors lost their money?
  9. What if I need my money before the investment matures?
  10. What is the next step for me if I am interested in investing with Equity Bancorp, Inc.?

  1. What is the minimum amount I can invest?
    $50,000 is the minimum amount.

  2. Invest in Trust Deed InvestmentsWhat are the requirements for investing with Equity Bancorp?
    A) You must be a California resident.
    B) You must meet the following criteria for net worth and income:

    • Either $250,000 of net worth and a minimum of $65,000 income per year.
    • OR $500,000 net worth.

  3. What is the average annual interest offered to investors?
    Interest rates are determined on a loan-by-loan basis but, historically, Equity Bancorp, Inc. has offered investors an annual interest rate ranging from 8% to 13%.

  4. How will I receive my monthly interest payments?
    You may choose by check or by direct deposit.

  5. What is the average investment term?
    Investment terms are determined on a loan-by-loan basis but usually are in the range of 1 to 3 years.

  6. Is this a limited partnership, a REIT or a mortgage pool?
    It is neither. Your investment is in a non-recourse promissory note issued by Equity Bancorp. Inc. which is collaterally secured by a specific deed of trust and you will receive a recorded collateral assignment of the underlying deed of trust.

  7. How secure is my trust deed investment?
    Your investment is secured by a recorded deed of trust against a specific property or multiple properties. Typically, Equity Bancorp, Inc. funds first mortgages at a loan-to-value ratio of less than 60%.

  8. Have any Equity Bancorp, Inc. investors lost their money?
    No. All of our clients have received all of their principal and all of their expected interest over our company’s 15-year history as a private money lender.

  9. What if I need my money before the investment matures?
    As with any non-liquid investment, you should expect to hold the trust deed investment for the duration of the loan. In limited cases and with additional cost, Equity Bancorp, Inc. has been able to find replacement investors.

  10. What is the next step for me if I am interested in investing funds with Equity Bancorp, Inc.?
    Obtaining an Offering Circular which explains the offering in detail.

Please contact Marco Garbarino, CFO, via email, or phone: (415) 451-6099, ext. 101. Read the Offering Circular carefully prior to investing.

Or complete this form to order an Investor Package, including available investments, an investment package or an offering circular to learn more about investing with Equity Bancorp, Inc.