In an independent survey of 100 trustees and professional fiduciaries that are members of PFAC, HCS Equity has been noted as having the lowest fees among trust lenders. Fees vary by loan size and duration but are typically more expensive than a traditional loan. All loans can be paid back without any sort of prepayment penalty. Loans are issued for up to 4 years but typically are repaid within 1 year upon completion of the distribution of the property or eventual sale.