Financing/Business line
Business HELOC
A flexible line of credit designed to help qualified business owners access capital through available property equity.
Program snapshot
Loan amount
$25,000 – $750,000
Credit
FICO from 640
1st LTV
Up to 85%
APR range
9%–11%*
Program guidelines
Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.
Loan purpose
- Access property equity for business-purpose capital
- Working capital, payroll, equipment, inventory, renovations, expansion, gap funding, or MCA payoff
- Flexible line of credit for qualified business owners and property owners
Loan amount
- $25,000 to $750,000
Credit profile
- Minimum FICO 640
Lien position / LTV
- 1st position: up to 85% LTV
- 2nd position: up to 80% LTV
- 3rd position: up to 70% LTV
Property use
- Primary residence
- Second home
- Investment property
- LLC-owned property may be considered
Documentation
- No appraisal
- Minimal documentation
- Terms and eligibility subject to underwriting
Term / Draw structure
- 10 / 15 / 20 / 30-year options
- Draw period typically 3–5 years, subject to program structure
Funding timeline
- Funding can be as fast as 5 days when the file is complete and qualifies
- Timeline is not guaranteed and depends on documentation, underwriting, and third parties
Rate / APR
- 9%–11% APR range, subject to underwriting, credit profile, lien position, property type, and final terms
Key features & detail
Business HELOC financing may help qualified borrowers access available property equity for business-purpose capital without relying on a full traditional refinance.
- Final terms depend on underwriting, lien position, borrower qualifications, property profile, and complete documentation.
- This is a business-purpose product—not a generic consumer HELOC commitment.
Need help choosing a program?
Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.
Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.