Home Equity Line of Credit (HELOC)

Turn your home equity into business capital

A revolving line secured by your home — draw what you need, repay, and draw again. The cheapest capital most business owners already have access to.

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At a glance

Illustrative terms via licensed lending partners*

Initial APR: From 6.75%*
Line amount: $15,000 – $750,000
Max CLTV: Up to 80–85%
Term: 5 / 10 / 15 / 30 years
Minimum FICO: From 600
Prequalify: Soft credit pull — no score impact
Funding: As few as 5 days
Eligible title: Individual, joint, LLC, or revocable trust

See your rate

6.75%*

APR from

$15K–$750K

Line size

~5 days

To funding

5 min

To prequalify

How it works

A home equity line of credit (HELOC) lets you borrow against the equity you've built in your home. You draw what you need up to your limit, pay interest only on what you use, and redraw as you repay — much like a credit card, but at a fraction of the rate because it's secured by your property.

For business owners, a HELOC is one of the most powerful and overlooked sources of capital. Instead of a merchant cash advance at a 40%+ effective rate, you can fund payroll, inventory, equipment, or expansion with single-digit-APR capital — and qualify partly on your business income.

Why business owners choose this

Single-digit rates

Secured by your home, a HELOC is priced far below unsecured business financing — typically single digits versus 40%+ for an MCA.

Draw as you need

Pay interest only on what you use, and redraw up to your limit as you repay during the draw period.

Qualify on business income

Self-employed? Our partners can verify income via bank statements — no stacks of tax returns required.

LLC & trust friendly

Properties held in an LLC or revocable trust can be eligible.

Is this right for you?

This option tends to be a strong fit when you're:

Business owners paying off an expensive merchant cash advance
Funding working capital, payroll, or inventory
Financing an expansion, renovation, or equipment purchase
Consolidating high-interest business or personal debt

Common questions

What is a 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 much lower rates because it's secured by your property.

Can I use a HELOC for my business?

Yes. Many owners use a HELOC as a flexible, lower-cost alternative to traditional business loans and merchant cash advances — for working capital, equipment, payroll, expansion, or to refinance expensive debt.

How much can I borrow?

Typically up to 80–85% of your home's value minus your current mortgage balance, up to $750,000. Prequalify in minutes to see your number.

Will it affect my credit score?

Prequalifying uses a soft credit inquiry, which does not affect your score. A hard inquiry only happens later, with your consent, if you proceed.

Is HELOC interest tax-deductible?

Interest may be deductible depending on how funds are used; consult your tax advisor. This is not tax advice.

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.

Check your options (888) 258-6279