How it works
Capital in days, not months
A straightforward path from "what are my options?" to money in the bank — built around your time and your business.
Check your options
Answer a few quick questions about you and your property. In about five minutes you'll see what you may qualify for. It's a soft credit check — no impact to your score, and no obligation.
Talk with a specialist
A capital specialist reviews your goals and walks you through the options — HELOC, cash-out refinance, DSCR, bridge, and more — so you understand the cost and fit before you commit.
Match & approve
We match you with the right licensed lending partner and product. Underwriting leans on your equity and business income, not stacks of tax returns. You review clear terms before moving forward.
Get funded
Close and receive funds in as few as five days. With a line of credit, you draw what you need as you need it; with a refinance, you receive your capital at closing.
What you'll need
Getting started is light. To check your options, have these handy:
- Basic details about you and your business
- The property you'd borrow against (home, rental, or investment)
- An estimate of your property value and current mortgage balance
- Recent bank statements (for income verification — often no tax returns needed)
Common questions
How long does the whole process take?
Many borrowers prequalify in minutes, get approved within days, and receive funds in as few as five days — far faster than the weeks-to-months timeline of a typical bank or SBA loan.
Will checking my options hurt my credit?
No. Prequalification uses a soft credit inquiry, which has no impact on your score. A hard inquiry only happens later, with your consent, if you choose to proceed.
Do I have to provide tax returns?
Often not. Because financing is secured by your equity, our partners can frequently verify income with bank statements — a major advantage for self-employed owners.
Is AltFi the lender?
AltFi is the front door. We help you understand your options and match you with a licensed lending partner who originates and funds the loan. This keeps your costs low and your choices open.
Is there any cost to check my options?
No. Checking your options and speaking with a specialist is free and carries no obligation.
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.