BBYS (Buy Before You Sell) and BYOC (Bring Your Own Client) are related concepts in the home transition financing space — but they refer to different things. Understanding the distinction helps you and your real estate agent work together more effectively.

BBYS — Buy Before You Sell

BBYS is the financing product itself — the program structure that allows a homeowner to purchase before selling. It describes what the borrower is doing: buying a new home before their current home is sold, using a bridge or equity advance to fund the transition.

BYOC — Bring Your Own Client

BYOC is a referral or partnership model used by some BBYS providers. In a BYOC structure, a real estate agent or mortgage broker brings their client (the homeowner) to the BBYS platform, rather than the platform sourcing the client itself. The agent retains the client relationship while the BBYS provider supplies the financing infrastructure.

For Lendia, BYOC means we can connect your real estate agent directly with our BBYS lending partner so the program can be structured around your specific transaction — keeping your team intact.

What This Means for You

If you are working with a real estate agent you trust, the BYOC model allows them to stay involved throughout the BBYS process. Your agent brings your deal to the platform, and you get the benefit of both your agent’s expertise and the BBYS financing solution.