Income documentation
Personal income documentation (W-2s, tax returns, pay stubs or business financials)
Business Capital Advisors
Business HELOC
Turn home equity into low-cost business capital.
A revolving, business-purpose line of credit secured by your home. Draw for a planned business use, repay, and reuse available capacity during the draw period. Your home is at risk if you do not repay.
Is this the right solution?
When does a business-purpose HELOC fit?
Flexible capital for operating needs
Open a revolving line against available home equity, then draw only what the business needs.
- Draw and repay during the draw period
- Interest generally applies to the drawn balance
- Use for eligible business purposes
Popular for: Contractors · Retailers · Practices · Restaurants
Estimate available HELOC credit
Checking options won't affect your credit score.
*Illustrative estimate only. The modeled line equals home value × combined LTV minus the mortgage balance. The payment shown is interest-only on the eligible modeled draw at a 10.9% variable rate; it excludes fees and any later principal repayment. Actual value, credit limit, rate, draw period, repayment period, appraisal, title, closing costs, and eligibility are set by the funding partner. Your home secures the line and is at risk if you do not repay.
Explore common use cases
Business uses for available home equity
Product definition
What is a business-purpose HELOC?
A business-purpose HELOC uses available home equity to create a revolving line for business expenses. Because the home secures the debt, owners should compare the expected business return, variable-rate payment risk, and unsecured alternatives before drawing.
Primary source: CFPB guide to home equity lines of credit.
How a Business HELOC works
How a business-purpose HELOC works
- 01→
Request
Share the business need, home, mortgage, income, and ownership details.
- 02→
Review
We review the intended use and estimate available equity.
- 03→
Options
Compare lender paths aligned to the property and owner profile.
- 04→
Approval
Complete appraisal, title, underwriting, and closing conditions.
- 05
Access funds
Draw approved capital as eligible business needs arise.
What you'll need
Documents needed for a business-purpose HELOC
Mortgage and insurance
Mortgage statement and homeowner's insurance
Identity and property
Standard identity and property documents; the lender orders the appraisal
We keep your information secure and private.
Common questions
Business HELOCs, answered straight.
A home-secured business line can lower financing cost, but it moves business risk onto a personal asset. Start with the questions owners should answer before applying.
How is a business HELOC different from a business line of credit?
A business line is underwritten on the business; a HELOC is secured by your home equity, which typically buys a meaningfully lower rate and a larger limit. The trade is personal: your home, not the business, is the collateral.
What are the risks of using home equity for business?
The blunt one: if the business cannot service the draw, your home is on the line. That is why we position HELOC capital for owners with stable personal finances and a clear, high-confidence use for the money, not as rescue funding.
How much can I access with a HELOC?
Lenders commonly allow combined loan-to-value up to 80-90%: home value times that percentage, minus your mortgage balance. A $500K home with a $300K mortgage at 85% CLTV supports a limit around $125K.
How long does a HELOC take to open?
Plan on 2-6 weeks: application, appraisal, title work, underwriting, and closing, often with a 3-day rescission period after signing. It is the wrong tool for this-week money and a strong one for planned projects.
Ready to see whether home equity fits the business plan?
Clear capacity math. Honest risk framing. Structured around the intended use.
Get my funding optionsPrefer to talk? Call (307) 667-1250