ROOFTOP

Rooftop operates as a Brazilian proptech firm, established in 2020, providing financial solutions for homeowners to access their property's equity. The company targets residential property owners in major Brazilian cities, focusing on high-end homes valued between R$1 million and R$7 million.

The primary offering is a product named HomeCash, which functions as a sale-leaseback arrangement. Through this model, Rooftop purchases a client's property, providing them with immediate capital. The original owner can then continue to live in the home as a tenant for a specified period, with the option to repurchase the property within up to 18 months. This structure is designed to offer a flexible alternative to traditional home equity loans, allowing clients to address financial needs such as settling debts or funding new investments without immediately displacing them from their homes.

Rooftop's business model generates revenue through the property transaction and subsequent leasing agreement. The company differentiates itself by integrating legal and financial specialists into the process to guide clients. To finance its property acquisitions, Rooftop has structured and listed real estate investment funds (FIIs) on the B3 stock exchange. Notably, in 2021, it launched the ROOF11 fund with a capital of R$100 million, and has since created other funds to support its product offerings.

Keywords: proptech, fintech, real estate equity, HomeCash, sale-leaseback, property financing, homeowner solutions, financial liquidity, debt settlement, real estate investment fund, asset-backed securities, residential real estate, Brazilian market, B3, ROOF11, property capital, home equity alternative, asset monetization, financial planning support, legal real estate services