Two structured products for accessing inheritance early—each designed for different situations, both built on conservative limits and staged disbursements.
When someone passes away, their heirs often face an 18-24 month wait for probate to conclude. Even before death, families may know a significant inheritance is coming but have no way to access it when needs arise.
Traditional options are limited. Banks won't lend against an inheritance. Personal loans require good credit and come with high rates. The few companies that do offer inheritance advances often charge 30-40% or more and operate with little transparency.
Clarity creates a transparent marketplace where heirs can access a portion of their inheritance early, while lenders participate in a secured, asset-backed opportunity with attractive returns.
Choose the product that matches where you are in the inheritance process.
For estates already in probate
Court-Verified Documentation
Probate filing provides legal certainty
Up to 10% of Estate Value
Higher limits due to greater certainty
12-16% Annual Rates
Lower rates reflect lower risk
12-24 Month Typical Duration
Aligns with probate timeline
Required Documentation
Death certificate, will/trust, probate court filing, government ID, asset inventory
Before probate begins
Tri-Party Consent Required
You + estate holder + Clarity verification
Up to 5-8% of Asset Value
More conservative due to uncertainty
15-20% Annual Rates
Higher rates compensate for risk
2-5 Year Typical Duration
Longer timeline, more staged disbursements
Required Documentation
Estate holder consent, beneficiary verification, asset attestation, government IDs (both parties)
Both products share the same core structure designed to protect heirs and lenders.
Funds aren't released all at once. Advance: 20% immediately, 80% over 2-4 years. Secure: 15% immediately, 85% over 3-5 years with milestone triggers.
This prevents misuse—no one can "blow it all on a boat"—and aligns disbursements with the timeline.
All funds are held in third-party escrow accounts. Disbursements only occur after verification milestones are met.
Neither heir nor lender handles funds directly—escrow ensures transparency and security for everyone.
Repayment comes only from the inheritance. If the estate is worth less than expected, the heir isn't personally liable.
This protects heirs from worst-case scenarios and means lenders focus on estate quality, not personal credit.
Every opportunity is assessed on estate value, documentation quality, timeline estimates, and potential complications.
Scores range 500-850. Higher scores mean lower risk, better rates for heirs, and more confidence for lenders.
How each product works in practice.
Situation
Disbursement
Situation
Disbursement
Access funds when you need them, with protection built in.
Repayment comes only from your inheritance. If the estate is worth less than expected, you're not personally liable for the difference.
The advance is based on the estate's value, not your personal credit. Your credit score isn't checked or impacted.
Multiple lenders bid on your advance, driving rates down. You choose the terms that work best for your situation.
No hidden fees—just a 2% platform fee. You'll see exactly what you'll receive and what you'll owe under different timeline scenarios.
A new asset class with built-in protections and attractive returns.
Every advance is secured by verified estate assets worth 10-20x the advance amount. You have a legal claim on the inheritance.
Advance opportunities: 12-16%. Secure opportunities: 15-20%. Rates determined by Clarity Score and competitive bidding.
You don't deploy all capital upfront. Disbursements are staged over years, reducing risk and allowing you to monitor progress.
When probate concludes, you're paid directly from the estate distribution—before the heir receives their remaining funds.