Home · Funding options · Business HELOCs
Your property holds equity. Your business holds potential.
A business HELOC lets you borrow against the equity in your commercial or residential property, giving you revolving access to capital at competitive property-backed rates. Draw what you need, repay, and draw again.
Turn property value into flexible business funding.
At a glance
Put the equity to work without selling the property.
If you own commercial or residential property with meaningful equity, that value can do more than sit there. A business HELOC converts it into a revolving credit line for your company, usually at rates well below unsecured options.
Because the line is secured by real property, lenders can offer more capital at better terms. You keep the property, and your business gets room to move.
Start Your ApplicationHow it works
From equity to available credit.
Property-backed lending takes a few more steps than unsecured products. Here is the path.
Equity review
We look at your property, your estimated equity position, and what you want the capital for.
Valuation and application
The property is valued and your application is packaged with the documentation the lender needs.
Approval and line setup
You are approved for a revolving line based on available equity, valuation, and credit. Terms are laid out clearly.
Draw as needed
Pull funds when the business needs them, repay, and draw again. The line stays open as long as the terms are met.
Who it’s for
Made for property owners with plans.
If you have built equity and your business could do more with it, a HELOC connects the two.
- You own commercial or residential property with meaningful equity in it.
- You want lower rates than unsecured borrowing typically offers.
- You are comfortable with secured borrowing and understand what collateral means.
- You have ongoing or repeating capital needs, not just a one-time expense.
This financing is secured by your property, which means the property is at risk if the loan is not repaid. If you use residential property as collateral, your home could be at risk. We make sure you understand that fully, in plain language, before anything moves forward.
Where it fits
What owners use HELOC capital for.
The warehouse owner
He drew against his warehouse equity to fund a second location’s build-out, at a rate his unsecured options could not touch.
The homeowner founder
She used home equity to inject growth capital into her service business, drawing in stages as hiring ramped up.
The investor
A commercial unit needed renovation before it could lease. The HELOC funded the work, and the new lease covered the payments.
Let your equity pull its weight.
Tell us about your property and your plans, and we will give you an honest read on what is possible. Start your application today.
Straight answers
Questions, answered.
How much can I access?
It depends on your available equity, the property valuation, and your credit profile. We will give you a realistic range after an initial review.
What kind of rates should I expect?
Property-backed rates are typically competitive compared to unsecured business borrowing. Your exact rate depends on the offer you qualify for.
What happens if I cannot repay?
Because the line is secured, the lender can move against the collateral property. With residential collateral, that means your home is at risk. We want you to understand that completely before proceeding.
Can I use residential property for business funding?
Yes, residential equity can secure a business-purpose line. The tradeoff is the risk to your home, which we discuss openly and never rush past.
How long does setup take?
Valuation and underwriting take longer than unsecured products. We keep the process organized and keep you updated at every step.
Your next chapter
Let’s put your capital plan on the table.
Share what your business needs. We will bring the strategy.
Funding is subject to eligibility, underwriting and approval. Amounts, rates, terms and timing vary. Introductory credit card rates are time-limited and may involve fees. Property-secured financing places collateral at risk.