Trovy

In 2019, founders TJ Milani and Ashley Harris recognized a persistent problem facing American homeowners: their homes represent their greatest financial asset, yet most never access the equity sitting within them. Instead, homeowners juggle high-rate credit cards, personal loans, and fragmented financing arrangements that drain their finances while their most valuable asset sits idle. That realization sparked Trovy - named from the French word 'trouver' (to find) and 'treasure trove' - because that's exactly what home equity should be: an accessible treasure waiting to work for homeowners, not against them.

Trovy is building the financial home base for homeowners: a comprehensive suite of products that transforms home equity into a flexible, lifelong financial tool. The company's flagship product is a home equity line of credit (HELOC) paired with a groundbreaking HELOC credit card that combines the low interest rates of traditional home equity loans with the convenience and flexibility of a credit card. Homeowners can access their equity anywhere Mastercard is accepted, earn up to 2% cashback on home-related purchases, and benefit from variable rates as low as 6.24% APR - significantly lower than typical credit card rates averaging 22.25%. With no annual fees, no draw fees on card purchases, and funding in as few as four days, Trovy is reimagining how homeowners leverage their property's value to achieve financial flexibility.