Asset-backed business capital
Smarter capital, backed by what you already own.
Stop overpaying for merchant cash advances. AltFi helps business owners unlock the equity in their home and property — with rates in the single digits, not punishing factor rates.
*Illustrative starting rate via AltFi's licensed lending partners; your rate depends on credit, equity, term, and product. Not a commitment to lend. †Comparison figures are typical market ranges from public sources (see full comparison).
The MCA problem vs. the AltFi way
There's a cheaper way to fund your business
If you've taken a merchant cash advance, you know the squeeze. Equity-backed capital is built differently.
The cost of an MCA
- Factor rates that work out to 40%–350%+ effective APR
- Daily or weekly ACH debits that drain cash flow
- Short 6–18 month terms that force costly renewals
- Stacking multiple advances to stay afloat
The AltFi way
- Single-digit APRs from 6.75%*, secured by your equity
- Predictable monthly payments — not daily drains
- 10–30 year terms with the option to redraw
- One clean line of capital, not a stack of advances
Solutions
Capital for every business milestone
Six ways to put the value of your real estate to work — matched to what you're trying to do.
Home Equity Line of Credit
Turn your home equity into business capital
Tap the equity you've already built — far cheaper than a merchant cash advance.
Learn moreCash-Out Refinance
Replace your mortgage and pull cash out
Refinance into one loan and walk away with capital to grow.
Learn moreDSCR Investment Property Loans
Buy or refinance a rental on its cash flow
Qualify on the property's income — no personal income docs.
Learn moreBridge Loans
Move fast between deals
Short-term capital to close now and refinance later.
Learn moreFix & Flip Loans
Fund the purchase and the rehab
Acquisition plus renovation in a single, fast-closing loan.
Learn moreHard Money Loans
Asset-based capital, fast
When speed matters more than paperwork — lend on the asset.
Learn moreHow it works
Three steps to your capital
Check your options
Answer a few questions and see what you may qualify for in about five minutes. It's a soft credit check — no impact to your score, no obligation.
Get matched & approved
We match you with the right product and a licensed lending partner. Qualify on your home's equity and business income — not stacks of tax returns.
Get funded
Receive funds in as few as five days, then draw what you need as you need it. Use it for working capital, payroll, expansion, or to pay off an expensive advance.
Compare the markets
How equity-backed capital stacks up
The same dollars, at a fraction of the cost of short-term business financing.
| AltFi Home Equity Secured by what you own | Merchant Cash Advance Unsecured advance | SBA 7(a) Loan Bank / SBA | Business Credit Card Revolving | |
|---|---|---|---|---|
| Typical cost | From 6.75% APR* | 40%–350%+ effective APR† | 10.5%–15.5% APR† | 20%–30%+ APR† |
| Repayment | Monthly | Daily / weekly ACH | Monthly | Monthly minimum |
| Funding speed | As few as 5 days | 1–3 days | Weeks to months | Days |
| Term | 10–30 years | 6–18 months | 10–25 years | Revolving |
| Personal income docs | Minimal — bank statements | Minimal | Extensive | Credit pull |
| Draw as you need | ✓ | ✗ | ✗ | ✓ |
| Secured by | Home / property equity | Future receivables | Business + collateral | Unsecured |
†Figures are typical market ranges for illustration, drawn from public sources including Bankrate, the SBA, and Lendio (2026). MCA 'effective APR' reflects factor-rate pricing converted to an annualized basis. Your actual terms depend on your credit, equity, and the product selected. AltFi Real Estate is not a lender; loans are originated by licensed partners. Not a commitment to lend.
Common questions
Answers before you apply
What is a home equity line of credit (HELOC)?
A HELOC is a revolving line of credit secured by your home. You draw what you need up to your limit, repay, and can draw again — similar to a credit card, but at far lower rates because it's secured by your property. It's one of the cheapest ways for a business owner to access capital.
Can I use my home equity to fund my business?
Yes. Many business owners use a HELOC or cash-out refinance as a flexible, lower-cost alternative to traditional business loans and merchant cash advances. You can use the funds for working capital, equipment, payroll, expansion, or to pay off expensive short-term debt.
How is this cheaper than a merchant cash advance?
Merchant cash advances are priced with factor rates that often translate to 40%–350%+ effective APR, repaid through daily or weekly debits from your receivables. Equity-backed financing through AltFi is priced in single-digit-to-low-double-digit APRs with monthly payments — a fundamentally lower cost of capital.
Will checking my options hurt my credit score?
No. Prequalifying with AltFi uses a soft credit inquiry, which does not affect your credit score. A hard inquiry only happens later, with your consent, if you choose to move forward with a full application.
How fast can I get funded?
Many borrowers are approved in minutes and funded in as few as five days through our lending partners — dramatically faster than the weeks-to-months timeline of a typical bank or SBA loan.
Do I need perfect credit or years in business?
Not necessarily. Because the line is secured by your home's equity, qualification leans on your property and your ability to repay rather than time in business or minimum revenue. Many self-employed owners and LLC-titled properties qualify.
Financial insights
Learn before you borrow
See what your equity could do for your business.
Check your options in minutes — a soft-credit prequalification with no impact to your score, and no obligation.