Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
HCS Equity provides private irrevocable trust loans in California for successor trustees administering trust-owned real estate. Our loans are secured by California real estate held in irrevocable trusts and are designed for situations where traditional lenders cannot provide financing.
When an irrevocable trust owns California real estate, the trust may require liquidity before the property is sold, refinanced, or distributed. This often occurs when one beneficiary wishes to retain the property while other beneficiaries are entitled to receive their share of the trust assets in cash. In these situations, the successor trustee may obtain financing on behalf of the trust to facilitate the distribution.
HCS Equity specializes in private irrevocable trust loans for sibling buyouts, trust equalization, inherited property expenses, and short-term capital needs involving trust-owned real estate. As a direct private lender, HCS Equity uses its own capital, provides flexible underwriting, and can often make funds available within 7–10 business days.
Irrevocable trust loans are commonly used to help facilitate the non-pro-rata equalization and distribution of trust assets in connection with Proposition 19 or, where applicable, Proposition 58. HCS Equity works closely with trustees, beneficiaries, and their attorneys to help structure financing that supports a smooth transfer of assets from one generation to the next.
HCS Equity does not provide legal or tax advice. Trustees and beneficiaries should consult their attorney or tax professional regarding Proposition 19, Proposition 58, and property tax reassessment rules.
Brian O.
March 2026
Jill C.
April 2026
Richard S.
March 2026
One of the most common reasons for an irrevocable trust loan is to facilitate a sibling buyout and take advantage of the Prop 19/58 Parent to Child Exclusion from Reassessment. In many trust situations, one beneficiary wants to keep the inherited property while the other beneficiaries prefer to receive cash. If the trust does not have enough liquid assets to equalize the distribution, a trust loan can create the cash needed to buy out the other beneficiaries in compliance with the Board of Equalization’s rules.
The loan is made directly to the trust itself and secured by the trust-owned property. After the trust loan closes, the trustee can complete the agreed distribution of cash and property in accordance with the trust and the advice of legal counsel. The trust loan is then typically repaid through a refinance, the sale of the property, beneficiary funds, or another approved repayment strategy.
Irrevocable trust loans can provide short-term liquidity for a wide range of trust-owned real estate needs, including:
Sibling buyouts on inherited property
Trust equalization and distribution
Preserving family real estate
Covering property maintenance or repair costs
Paying legal or administrative expenses tied to the trust
Preparing a trust-owned property for sale
Supporting a potential Proposition 19 or Proposition 58 transfer strategy
Paying property taxes, insurance, or existing debt service
Reimbursing family members who advanced funds during trust administration
HCS Equity provides practical private lending solutions for trustees and beneficiaries who need speed, flexibility, and certainty.
*This is for illustrative purposes only, HCS Equity does not provide legal advice or services
In addition to the general trust loan process, HCS Equity also provides financing for parent-to-child buyout scenarios involving California trust-owned real estate. This process is commonly used when one beneficiary wants to retain the inherited property while other beneficiaries receive their share of the trust assets in cash.
HCS Equity does not provide legal or tax advice. Proposition 19 and Proposition 58 planning should always be reviewed with qualified legal and tax professionals before completing a parent-to-child transfer.
HCS Equity has funded trust loan scenarios across California involving sibling buyouts, trust equalization, property tax planning, and preparing trust-owned real estate for sale.
A trust loan is private financing secured by real estate owned by a trust. The loan is typically made directly to the trust and signed by the trustee or successor trustee.
Yes. An irrevocable trust can get a loan if it owns real estate, has sufficient equity, and the trust documents allow the trustee to borrow against trust assets.
Yes. Trust loans are commonly used when one beneficiary wants to keep a trust-owned property and other beneficiaries want to receive their share in cash.
In many HCS Equity trust loan scenarios, no personal guarantee or down payment is required. The loan is secured by the trust-owned real estate.
HCS Equity typically does not require the trustee to provide personal financial information when the loan is made to the trust and secured by trust-owned real estate. Requirements may vary by scenario.
No. HCS Equity does not charge prepayment penalties or require a minimum number of months of interest.
Funds are typically available within 7–10 business days, depending on the trust documents, title, property details, and overall complexity of the loan.
A trust loan is usually repaid through a refinance, sale of the property, beneficiary funds, or another approved exit strategy.
A trust loan may help create the liquidity needed for equalization and distribution when beneficiaries are pursuing a Proposition 19 or Proposition 58-related transfer strategy. Trustees and beneficiaries should work with their attorney or tax professional to confirm eligibility and proper execution.
HCS Equity is an active member of bar associations and estate planning councils across the state.
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