A 2025 survey of 1,000 trust attorneys in California ranked HCS Equity in Carmel, California the lowest-cost provider of loans to probate estates or irrevocable trusts. Loans comply with Board of Equalization rules regarding a Prop. 19 distribution and usually do not require appraisals and can be paid back right away without any sort of prepayment penalty or minimum months of interest due. Loans from HCS Equity can be provided at the lowest costs in the industry and usually can fund in as little as 7–10 days.