Business-Purpose HELOC

Program highlights

• Borrow $30,000 – $700,000
• Funding in as few as 7 business days
• Fixed rate loan with predictable payments
• No out-of-pocket costs — origination fee rolled into the loan
• Terms: 5, 10, 15, or 30 years
• No prepayment penalties — pay off anytime
• Keep your existing mortgage rate (no refinance needed)

Who it's for

Business owners who have equity in real estate held in their personal name and need working capital fast. This is the only HELOC available for business purposes — and the lowest-cost business loan you can get. Everything is done online, funding typically takes five to seven business days, and loans under $400,000 use a digital AVM appraisal instead of a traditional appraisal.

Eligibility snapshot

• Credit score: 640+ (primary residence), 680+ (secondary / investment)
• Max CLTV: 85% on primary, 70–80% on investment
• Property must be titled in your personal name (not an LLC)
• Primary, secondary, or investment properties eligible
• Loans under $400,000 use an AVM (digital) appraisal — no in-person appraisal in most cases