Business-purpose home equity lines · up to $1,000,000
You already own the capital. We help you use it — a credit line sized on your home's equity, drawn when the business needs cash, left alone when it doesn't. Interest only on what you use.
Soft credit pull to start · No cost to apply · All 50 states
The flagship
A home equity line of credit is the cheapest large credit most owners will ever qualify for — because it's secured by something real: the value you've already built in your home. Prime HELOC opens that line for business purposes, up to $1,000,000.
It is not a refinance. Your first mortgage — and its rate — stays exactly where it is. The line sits behind it, against the equity above it, and waits.
And it works like a line, not a loan: draw what you need, when you need it, repay it, and draw again. A quiet month costs you almost nothing. A big month has $1M standing behind it.
Every product we arrange
The HELOC leads, but it isn't always the right answer. One application shows you everything you qualify for across our network of lending partners — funding up to $20,000,000, from 24-hour working capital to commercial real estate.
A credit line secured by your home's equity, opened for your business. The lowest-cost large credit most owners can reach — there when the business needs it, dormant when it doesn't.
$1M maximum line
Drawn balance only is what accrues interest
Second position — your mortgage stays put
Sized on your deposits, not your collateral — the fastest money on this page, and often the bridge while a HELOC closes.
Funding that scales with what the business actually brings in — and flexes with your revenue instead of fighting it.
One lump sum, one fixed schedule. For the expansion you've already priced out and just need to fund.
Government-backed pricing that rewards patience and paperwork. We carry the paperwork; you keep the patience.
An unsecured cushion for the months that don't go to plan — no house involved, faster to open, smaller ceiling.
The truck, the machine, the build-out gear — financed against the equipment itself, so it earns while it's being paid off.
Roll several daily-payment advances into one saner schedule and give your cash flow room to breathe again.
Buy or refinance the building the business runs from — you already know why owning beats renting.
Unlock the money sitting in slow-paying invoices and purchase orders instead of waiting sixty days for it.
Revolving lines built across issuers and kept separate from your personal cards — for recurring spend that deserves float.
Clean-up and tradeline building that lowers what every other product on this page will cost you next year.
Before you apply
No mystery scorecards. Here is what our funding partners generally want to see — and it's probably less than you think.
500+ FICO
For working capital and merchant cash advances — along with 6+ months in business and $10K+ in monthly revenue.
650+ FICO
For term loans and SBA loans, together with 2+ years in business. Stronger files reach the bigger, cheaper money.
3–4 months
Of business bank statements, plus a one-page application. That is the whole document list to get started.
How it works
Ten minutes, one form. Tell us about the business — and, if the HELOC interests you, the property. No cost, no commitment.
We look at your file with a soft credit pull only. Nothing touches your report while you're just seeing what's possible.
One file, multiple funding partners. You see competing offers side by side — amounts, timing, cost — in plain numbers, in writing.
Often the same business day. An advisor walks you through what each yes actually means before you take any of them.
Money lands in as little as 24 hours for working capital. Property-secured lines take the weeks real property takes — and they're worth it.
Put it to work — payroll gap, inventory buy, slow season. And when the next opportunity comes, your file is already built.
Who we fund
Six industries make up most of the files we work — but if you run on revenue, we can usually find you a fit.
Construction
Draw schedules, retainage, and payroll that can't wait on a bank — funding that moves at job-site speed.
Medical
Equipment, build-outs, and the long gap between seeing patients and getting reimbursed for it.
Restaurants
Seasonal swings, surprise repairs, a second location — capital that follows the rhythm of service.
Retail
Inventory buys ahead of the season, and the cushion to carry you through the slow one.
Transportation
Trucks, trailers, fuel, and repairs — financing that keeps the wheels quite literally turning.
Manufacturing
Machinery, materials, and the big purchase orders that arrive before the money to fill them does.
Why owners come to us
All 50 states
Wherever the home and the business are, we can work the file.
12 products
Funding products compared off a single application.
24 hours
Decisions in as little as one business day from a completed application.
Soft pull
Checking your options won't affect your credit.
One application
Multiple lender offers from a single file — partners compete, you choose.
Beyond funding
Payment Processing Card acceptance at rates worth a second look.
Bookkeeping Clean monthly books that make lenders say yes faster.
Payroll Everyone paid on time, taxes filed, no spreadsheets.
Advisory A straight read on what to fund, and when.
Straight answers
It depends on the product. Working capital lands in 24 to 48 hours, a business line of credit in one to three days, term loans in three to seven. Products secured by real property take the time property takes — a business-purpose HELOC usually closes in two to three weeks, SBA loans in one to four. Whichever path fits, decisions come back in as little as 24 hours, and plenty of owners use quick working capital as the bridge while a HELOC closes.
No. The first look is a soft credit pull, which never touches your score. You'll see real numbers — amounts, timing, cost — before any lender runs a hard inquiry, and nothing hard happens without your say-so.
For working capital and merchant cash advances, partners generally want a 500+ FICO, six or more months in business, and around $10,000 a month in revenue. Term loans and SBA loans set the bar higher: a 650+ FICO and two or more years in business. For the HELOC, the equity you've built in your home does much of the talking.
Less than you'd expect: three to four months of business bank statements and a one-page application. That's enough for our partners to size real offers. Property-secured products like the HELOC add the usual home paperwork later, but getting started takes about ten minutes.
It follows the product. A HELOC or line of credit accrues interest only on what you draw — repay it and draw again as needed. Term and SBA loans carry a fixed payment on a set schedule. Working capital advances are typically repaid through small automatic daily or weekly remittances tied to your revenue. Whatever you choose, the schedule is in writing before you sign.
No — and we think that works in your favor. Prime HELOC arranges financing through a network of financing partners, so one application puts your file in front of multiple lenders instead of one. Every offer is subject to that partner's underwriting, and the terms always reach you in writing before anything is final.
Business purposes: payroll, inventory, equipment, a build-out, buying out a partner, smoothing a slow season. Because the credit is opened for your business rather than personal spending, it moves through underwriting on a business track.
Ten minutes, a soft pull, and within a day you'll know exactly what your home can put behind your business — in writing, with no obligation to take it.
