Business-purpose home equity lines · up to $500,000
You already own the capital. We help you use it — a credit line sized on your home's equity, drawn when the business needs cash, left alone when it doesn't. Interest only on what you use.
Soft credit pull to start · No cost to apply · All 50 states
The flagship
A home equity line of credit is the cheapest large credit most owners will ever qualify for — because it's secured by something real: the value you've already built in your home. Prime HELOC opens that line for business purposes, up to $500,000.
It is not a refinance. Your first mortgage — and its rate — stays exactly where it is. The line sits behind it, against the equity above it, and waits.
And it works like a line, not a loan: draw what you need, when you need it, repay it, and draw again. A quiet month costs you almost nothing. A big month has $500K standing behind it.
Every product we arrange
The HELOC leads, but it isn't always the right answer. One application shows you everything you qualify for across our network of lending partners — $5K to $5M.
A credit line secured by your home's equity, opened for your business. The lowest-cost large credit most owners can reach — there when the business needs it, dormant when it doesn't.
$500K maximum line
Drawn balance only is what accrues interest
Second position — your mortgage stays put
Revenue-based funding that lands this week — sized on your deposits, not your collateral. Often the bridge while a HELOC closes.
One lump sum, one fixed schedule. For the expansion you've already priced out and just need to fund.
An unsecured cushion for the months that don't go to plan — no house involved, faster to open, smaller ceiling.
Revolving lines built across issuers and kept separate from your personal cards — for recurring spend that deserves float.
Clean-up and tradeline building that lowers what every other product on this page will cost you next year.
How it works
The address, roughly what it's worth, and what's left on the mortgage. Ten minutes, one form, and the initial review is a soft credit pull only.
Within about 24 hours an advisor comes back with what your equity supports across our lending partners — plain numbers, in writing, no obligation.
Close in one to three weeks. Then the line just sits there, ready — payroll gap, inventory buy, slow season — accruing interest only on what you draw.
Why owners come to us
24 hours
Approvals in as little as one business day from a completed application.
$500K
Maximum business-purpose home equity line we arrange.
All 50 states
Wherever the home and the business are, we can work the file.
$5K–$5M
Full funding range across the products we broker.
8 products
Financing products compared off a single application.
Soft pull
Seeing your options costs you nothing — including credit score points.
Straight answers
No. This line is secured by the equity in your home, so our partners look hardest at the property — its value and what's left on the mortgage — not just your score. Owners with bruised credit get approved on equity all the time. We start with a soft pull and give you an honest read before anything touches your report.
No — and that matters. Your current mortgage stays exactly as it is, rate and all. A HELOC is a separate line of credit secured by the equity sitting above your mortgage. Nothing about your existing home loan changes.
It depends on what your home is worth and what you still owe on it. Funding partners typically extend credit against a healthy share of the equity in between, with lines up to $500,000. Give us the address and rough numbers and we'll size it within about a day.
Business purposes: payroll, inventory, equipment, a build-out, buying out a partner, smoothing a slow season. Because the line is opened for your business rather than personal spending, it moves through underwriting on a business track.
You'll have sized options within about 24 hours of applying. Closing a home equity line usually takes one to three weeks, since real property is involved. If you need cash sooner, we also arrange working capital that funds in 24 to 48 hours — often as the bridge while your line closes.
Very little — that is the point of a line. Interest accrues only on what you actually draw, not on the full limit. Exact terms, including any annual fee or draw minimums, come from the funding partner in writing before you sign anything.
Meaningful equity in your home, a business that is at least a few months old, and — for most partners — around $10,000 or more in monthly revenue. The application takes about ten minutes and the initial review is a soft credit pull only.
Ten minutes, a soft pull, and within a day you'll know exactly what your home can put behind your business — in writing, with no obligation to take it.